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Many small businesses looking for a loan feel they are in a stormy sea being pulled and tugged in many directions, some of them potentially treacherous. There are lots of very different lenders vying for their business; some with approaches that are new and different and others that have been around since the early part of last century.
There’s no shortage business owners whose credit was destroyed in the great recession. I’ll bet all small business lenders see folk who have been affected. It happened to a lot of people; a lot of small businesses went under. What differentiates lenders is their reaction to an applicant with poor credit.