The need for financing is a critical and continuing concern for the owners of small businesses - there are few things as crucial to the health of a small business operation. 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. The link to the Federal Reserve's brochure below may help to simplify the process for you and improve your chances of getting the credit you need.
The Credit Process: A Guide For Small Business Owners (FRB of New York)