How many of you all started your business with a loan from a bank or other lending institution? This is our first year and we have received a contract that will pay $75,000 over the next 3 years (beginning July 1st). We currently have residential accounts that gross $1700 per month. My husband lost his job this week and really wants to mow full time, but the cash flow just isn't there yet. At this point I'm considering a business loan, but I really don't know what the lenders require. Our entire business is financed based on our personal credit (loans for equipment and credit card cash advances - bad idea, I know). I would love to borrow enough money to get us through this season and the winter. We got a late start obtaining commercial properties this year and I really think next year will be awesome. I'd love to hear your thoughts along with the requirements of lenders. Thanks!