When we manage our business, we can not ignore the issue of credits . Therefore, we can focus to a business credit card with a limit broad, but do not forget that we should have hundreds of thousands of dollars to finance the rapid growth of a business.

For this reason, corporate finance and most of all to the SMEs is a key link in the economic and business development. By this way, we highlight some ways to get money without bumping up against the wall when we ask for it.

The first thing that we know is that getting a loan is much easier when not needed. But there are ways to build your business to avoid the rejection that often face from the beginning.

Here are five options to start:

Use your personal credit rating
The most important factor in many banks’ decision to provide money up front companies they own personal credit scores and usually seeking a high personal credit score.

To increase your credit score, be sure to pay your personal bills in a timely manner, maintain a low ratio of debt to available credit on credit cards and lines of credit, and make sure that all balances are still less than 30% its limit in plastics. On the other hand, lenders also usually check the personal credit of an investor or business partner with over 20% participation in the business.

Apply for credit before you need it
To start building a credit history for your business, you can apply at least some form of credit immediately after commissioning. For small businesses is usually set for two years before a bank is comfortable offering a credit line of considerable size. But there are ways to prevent rejection, either by obtaining a credit card company or by requesting a bank loan small.

If you have trouble getting even a small loan, consider opening a credit line based on the store or get a credit card with a low limit.

Credit growth and its use
Many companies with an enviable credit card company credit, lines of credit have been used as soon as possible. Once you have established a payment history, request a higher credit limit but we do not need immediately, it will be simple. You can then add credit references, such as suppliers that have worked to raise your credit profile.

Establish relationships with more than one lender
Banks can change their lending policies at any moment and cut your credit limit, so you can help not having all your eggs in one basket funding. Instead, you can choose to have a credit card through a major bank and a credit line through a locally owned bank or credit union. With the smaller banks can actually talk to the person who will put their money. On the other hand, a large bank may offer more products and more places.

Consider alternatives
Remember that traditional banks are not your only opportunity for credit. There is a growing number of other options, including asset-based lenders, focusing more on the warranty and not solvency, factoring the loans peer-to-peer and crowdfunding sites.

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