Want to grow your small 商売／仕事 but not sure how to 基金 it? We explain how to get a bank 貸付金 - and when an overdraft or 政府 貸付金 is better

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Money is one of the biggest 障害物s when setting up a 商売／仕事 and いつかs a helping 手渡す is needed to 基金 規模ing-up costs or to keep a 商売／仕事 afloat.

The most 伝統的な way for 商売／仕事s to 橋（渡しをする） gaps in 基金ing has been to take a 商売／仕事 貸付金.?They enable small 会社／堅いs to 基金 their day to day 操作／手術s or その上の growth.?

But getting a 貸付金 can be a daunting experience because there are so many different 製品s and providers, 同様に as 混乱させるing jargon.

We've come up with a guide to explain what to consider before 適用するing for a bank 貸付金, 含むing whether you should take a short or long-称する，呼ぶ／期間／用語 貸付金 and what other 基金ing 選択s are 利用できる.?

Startup sagas:?開始する，打ち上げるing a 商売／仕事 is hard work so 安全な・保証するing 外部の 基金ing can be a 負わせる off small 商売／仕事 owners' shoulders

Check if you're 適格の?

The first step is working out whether you're 適格の for a 商売／仕事 貸付金.

Each 貸す人 will have 明確な／細部 必要物／必要条件s on the turnover of 商売／仕事s 適用するing and the health of the 商売／仕事 will also be taken into account.

Most will ask that your 商売／仕事 is 公式に 登録（する）d in the UK, the owner is over the age of 18 and it has been 活発に 貿易（する）ing for a 最小限 of six months.

You will need to decide how much you want to borrow and work out how long you need it for.

Decide what 肉親，親類d of 貸付金 you need?

Once you know you're 適格の, you should work out how much money you need, what you can afford to 返す and how long you need the money for.

A short-称する，呼ぶ／期間／用語 貸付金 might be best if you need a quick cash 注射 to 緩和する cash flow 強制s or to buy 製品s or 器具／備品.

The main advantage of short-称する，呼ぶ／期間／用語 貸付金s is that they are repaid quickly, often within a year. This 限界s the 量 of time in which 利益／興味 can build up, meaning the borrower will often 支払う／賃金 いっそう少なく 利益／興味 全体にわたる.?

They also usually have faster 使用／適用 過程s - but the 率 of 利益／興味 will be 意味ありげに higher than if you 選ぶd to 返す the 貸付金 over a medium or long-称する，呼ぶ／期間／用語 period.

Medium and long-称する，呼ぶ／期間／用語 貸付金s typically 許す you to borrow to help grow the 商売／仕事, meaning they are spread over a long period and 月毎の instalments are lower.

A medium to long-称する，呼ぶ／期間／用語 貸付金 might be more appropriate for those looking to 始める，決める up a 商売／仕事 or 拡大する their 存在するing 商売／仕事.

Medium 称する，呼ぶ／期間／用語 貸付金s can be paid in 月毎の instalments over one to five years, while long-条件 can 範囲 from anywhere between five and 30 years. Short 称する，呼ぶ／期間／用語 貸付金s are 一般に repaid in between three months and a year.

It is also 価値（がある） 公式文書，認めるing that it is more difficult to be 認可するd for a long-称する，呼ぶ／期間／用語 貸付金 because 貸す人s need to have 保証／確信s you will be able to 返す it.

It is 価値（がある） calculating the 月毎の 貸付金 返済s before 適用するing so you know you can afford to 支払う／賃金 it 支援する.

Get your 財政／金融s in order

Once you have worked out what 肉親，親類d of 貸付金 and how much you want to borrow you'll need to make sure your 財政／金融s are in order.

強固にする／合併する／制圧するing 負債s might help. This is when you 連合させる 多重の 負債s into one 選び出す／独身 負債 which can make it more manageable to 支払う／賃金 支援する.

貸す人s will review your 商売／仕事 accounts so make sure you have とじ込み／提出するd fresh accounts before 適用するing for the 貸付金.?

You will also have to show a 詳細（に述べる）d 利益（をあげる） and loss 声明 and a balance sheet.

It is 価値（がある） having all of the 文書s to 手渡す before you 適用する, 含むing 合法的な 文書s, 商売／仕事 and personal 税金 returns, and 財政上の 声明s.

You will also need to 供給する a （疑いを）晴らす explanation of what the 基金s are going to be used for.

What are the other 基金ing 選択s??

You may have gone through all of these steps only to discover your bank has 拒絶するd your 使用／適用.

Given the 経済的な 背景 and rising costs, banks have started to 強化する their 強調する／ストレス 実験（する）ing on new borrowers.

最近の 研究 by Altenburg says 実験（する）s that 以前 assumed a two per cent year 増加する in a 会社／堅い's cost base, are now assuming five per cent or higher.

It makes the already 堅い 環境 for small 商売／仕事s even more difficult - but there are other 選択s.

The most ありふれた short-称する，呼ぶ／期間／用語 施設 for small 商売／仕事s is an overdraft, but these can be expensive so be sure to check 利益／興味 率s.

You can also usually borrow more with a 商売／仕事 credit card than a personal one. Some banks will 許す you to spend 利益／興味-fre e for a 始める，決める period of time, but once the 0 per cent 申し込む／申し出 ends the 利益／興味 率 is likely to spike.

>>?Read our guide to the best bank accounts for small 商売／仕事 and compare 料金s, 利益／興味 and overdrafts.

強調する／ストレス 実験（する）: Banks have 強化するd their 適格（性） 基準 for new 商売／仕事 borrowers, sousing an overdraft or 適用するing for a 政府-支援する start-up 貸付金 might make more sense

You can 適用する for a 政府-支援するd start up 貸付金 of £500 to £25,000 to start to grow your 商売／仕事, and you will also receive 12 months of f ree 助言者ing.

Unlike a 商売／仕事 貸付金, however, this is an unsecured personal 貸付金. The 貸付金s 告発（する），告訴（する）／料金 a 直す／買収する，八百長をするd 利益／興味 率 of six per cent per year and you can 返す over a period of one to five years. The 普通の／平均（する） 貸付金 量 is £7,200.

Crowdfunding might be another 選択 to raise 財政／金融. There are plenty of 壇・綱領・公約s that 許す companies to ask individuals for small 量s of money.

You will need to have a 的 人物／姿／数字, pitch the 詳細（に述べる）s of your 商売／仕事 to your would-be 投資家s and then raise the money.

You can also raise money 経由で 公正，普通株主権 - when people 投資する for a 火刑／賭ける in return - or through peer-to-peer lending, where money is lent at a 始める，決める 利益／興味 率.

Former Dragons' Den 星／主役にする Piers Linney told This Is Money: 'If you can make 公正，普通株主権 財政／金融 work, you're then thinking about building a 商売／仕事 that you sell or buy 投資家s out.?

'If you're in this place there are lots of new 壇・綱領・公約s there… new angel 投資 網状組織s. But 投資家s are also taking a 攻撃する，衝突する in their own 大臣の地位s so you might find the 供給（する） of 財政／金融 might 減少（する） off, it's going to be a difficult period.'

'The advice has to be understand your 財政／金融ing 選択s. Make sure you really understand them… you 港／避難所't just gone to one high street bank and that's it you've gone home. There are lots of 選択s.'