Ok here it is I have been in business for 10 years and have done almost everything on my own with cash. I did finance the occasional mower or piece of equipment. I have never really had a Business loan. I am going to incorporate or form a LLc for my company now. I know I should have done it a long time ago. But the question I face now is two parts. one which one should I do the s-corp or LLc. and more importantly how do I get business credit for a business loan for general expenses or if i want to finance business equip in the company name, I have had good credit all along but a year ago a drunk driver hit me head on and now all the medical bills are piling up which lead to late payments and etc. I am now fixing my credit which has become ruined. So till I do and because I should anyway I need to get a l;loan in the business asap. I don't know where to start with business credit. Is it automatic or do you form it like personal credit. Is there a loan or grant I should be looking at now or a few diffrent ones that I should go for that can mend my company till the "big one" comes. Help!!!!!