A Guide to

A Guide to
Business Credit
for Women, Minorities, and Small Businesses




The need for financing is a critical and perennial concern
for the owners of small businesses. Indeed, few things are as
crucial to the health of a small business operation. Many small
businesses are launched by the personal resources of their
owners. But they can quickly reach the stage where the owner
must look to the credit market for financial help in expanding
operations. The banking industry is an important source of
working capital. However, entrepreneurs may not realize that
applying for commercial credit is a more customized process
than obtaining consumer credit, and requires a great deal of
preparation by the business applicant. This brochure may help
to de-mystify the process and improve your chances of getting
the credit you need.