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| What Are Business Loans? 什么是商业贷款？ by: John Williams由： 约翰威廉斯 Business loans can be defined as money lent for a specified amount of time at a specific interest rate to a specific person or people that operate a business or plan to operate a business.商业贷款可以被界定为钱借给某一特定的时间在特定的利息率的具体的人或人，开展业务或计划开展业务。 This definition is very broad, but so are the various types of loans available to business people. Deciding on which type of business loan that you and your company will benefit from the most is very important.这个定义非常广泛，而且还有各种类型的贷款提供给工商界人士。决定哪种类型的企业贷款，你和你的公司将受益于最是非常重要的。 Often times, a start-up business or someone that has never owned a business will find themselves more or less applying for a “personal” loan.一般情况下，开办企业或有人说从来没有国有企业将发现自己或多或少申请“个人”贷款。 This can be a very risky endeavor, mixing business loans with personal loans, however, often times it is the only available means for first time business owners.这可能是一个非常危险的努力，混合商业贷款与个人贷款，但是，往往这是唯一可用的手段首次业主。 One of the first things personal business owners need to do is establish business credit.其中的第一件事个人业主需要做的是建立商业信用。 Business credit can help you get a business only loan without using your personal credit.商业信用可以帮助您获得商业贷款只有不使用你的个人信用。 Establishing business credit can be done by:建立企业信用可以做的事： 1.) Opening up a business credit card account and paying it in full. 1 。 ）开拓业务的信用卡帐户，并缴纳足额发放。 2.) Buying equipment and supplies from companies that will report good standing to the business credit bureaus. 2 。 ）购买设备和用品的公司，将报告良好信誉的企业信用分社。 3.) Having a good business plan with potential earnings, letters of intent, and any type of customer contracts already laid out. 3 。 ）具有良好的商业计划的潜在收益，意向书，以及任何类型的客户的合同已经规定了。 All of these types of endeavors can help in receiving a business loan. Often times, financial institutions require in-depth business plans, be prepared to spend days working on just the certification paperwork prior to applying for a business loan.所有这些类型的努力能够帮助在接受商业贷款。通常，金融机构需要深入的商业计划，准备花几天的工作，仅认证文件之前，申请商业贷款。 A business only loan can be obtained in the business name without use of personal credit as long as the business can justify the loan amount and the ability to pay it back.商业贷款只可在企业名称而不使用个人信用，只要企业能够证明贷款金额和支付能力回来。 There are several different types of business loans available, ranging from those secured with collateral, non-secure loans, which are based upon the credit worthiness of the applicant, and even government loans for small business ventures, women and minorities.有几种不同类型的企业提供贷款，包括那些与抵押担保，非安全的贷款，这是根据信用的申请人，甚至政府贷款的小企业，妇女和少数民族。 Government loans are those loans secured by the government; in most instances these loans are available when the business or owner can prove that the community will prosper based upon the business at hand.政府贷款是指贷款担保的政府;在大多数情况下，这些贷款可以在商业或拥有者可以证明，社会繁荣，根据企业在手。 For the most part, government loans are based upon personal credit.在大多数情况下，政府贷款是根据个人信用。 The basis for which you may need or require a business loan may vary. Some of the most common business loans available to business owners are:根据您可能需要或要求商业贷款可能会有所不同。一些最常见的商业贷款提供给企业主是：
One of the most important tools when deciding on what type of business loan your company needs is research.其中最重要的工具，在决定什么类型的企业贷款贵公司需要的是研究。 Researching the different types of loans available to you and your company can save you money.研究不同类型的贷款提供给您和您的公司可以节省您的钱。 First, look into the different type of business loans available to you in your state. Many states have government loans available; some even offer grants, which is money available for specific purposes that do not require repayment. Research the different type of Federal loans available.第一，考虑不同类型的企业贷款提供给你的状态。许多国家政府提供贷款;有些甚至提供赠款，这是钱可用于特定目的，不需要偿还。研究不同类型的联邦提供贷款。 You can do this at the following website: www.sba.gov.为此，您可以在以下网址： www.sba.gov 。 Call your local bank and investment companies regarding the business loans they have available for you.请您当地的银行和投资公司的商业贷款，他们已经为您提供。 Many times, business loans are not that hard to acquire.很多时候，企业贷款并不难求。 With research and a good business plan, your dreams may come true.随着研究和良好的商业计划，你的梦想可能成真。 | |||||
