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You must know what any lender is going to look at before you apply. Do you? If you don’t, you are completely wasting your time and you will become one of the 97% that get declined.

Along your entrepreneurial journey, take the time to thank those who help you. If you will treat others the way you would like to be treated, you will find that people will go out of their way to help you. Learn More...

Being an entrepreneur is very challenging and it means that you are willing to take the risks that most people won’t.

So What Do You Do About It?

This will get your business ready to receive business financing and hear “approved.”

Now, you can apply everywhere and be a real danger to yourself and your business, or you can use our AL University Program and get the expertise you need.

Why Build Your Business Credit?

Why Have a Legal Business “Entity”?

What are Business Owners Biggest Mistakes?

Know Where You are Now and Where to Start!

Click Learn More for a list of the services that AL University gives you.

97% of all business loan applications are declined. Why?

A 2003 government study of U.S small businesses showed that out of 15.7 million business loan applications, 97% were declined. Why?

In order to successfully fund your future capital needs, it is important that you build a favorable credit score for your business. In order to build a business credit score it is vital that you follow the outlined steps exactly as presented.

The reasons businesses don’t find funding are…

• They don’t know which lenders offer what they need.
• They don’t know how to pre-qualify themselves before they apply.

So how do you successfully fund your business?

Begin by signing up for Real Time Credit Services through AL University. By doing this you will give yourself and AL University 24/7 access to your personal FICO score. Learn More...

When you apply for business funding, lenders will look at your personal credit and the business credit score to determine if they will approve your request, the amount, what the terms will be and if you will have to give a personal guarantee to secure the debt.

Does This All Sound Like a Huge Amount of Work?

Having an excellent Business Credit Score will open up a world of new financing opportunities for your business. It will open up more funding programs to you in the future and you may not have to personally guarantee every deal.

The biggest business financing mistake that almost every business owner makes is simply, not knowing how to properly setup their business to have its own business credit.