Business Loans

Financial Geniuses > Business Loans

Business loans can help your company secure the funding necessary to grow. However, obtaining access to funding from financial institutions can be difficult. Similar to our personal loans process, Financial Geniuses will provide you with different lenders so that you may choose the option that best suits your business’s needs.

Not sure if you qualify for a business loan? Here's all you need to know.

Credit Score

To increase the chances of obtaining a business loan, you must have a good credit rating. As a business owner, your personal credit matters; such that a positive history of repayments makes you eligible for better loan terms in the future.


Debt Service Coverage Ratio
An important factor in all business loans is the business's DSCR. DSCR is the Net Operating Income to Annual Debt Service Ratio. This ratio is typically 1.25:1.

Business Value

The chances of securing funding increase if your business has existed for at least two years. A newly-formed business is less likely to obtain a loan due to not having a financial track record.


Loans backed by collateral minimize financial risk for lenders. This allows you to potentially borrow more money at a lower interest rate and a longer repayment period.

Industry Risk

The sector that your business operates in also affects your chances of securing a loan. Lenders are more hesitant to loan funds to a business in a volatile industry.

Business Plan

A lender will require a business plan that outlines your financial expectations based upon future projections of your business.

Most common types of business loans

These are loans that total a small amount of money, lent at low interest, to a new business.

These loans are for companies that require a significant amount of funding and have an established financial history.

A line of credit meant for business owners who require flexible funding to meet their short-term monetary needs.

These loans are best suited for emerging small-to-medium enterprises and start-ups. The quality of your business idea can help you receive better loan terms.

We help you get the right kind of funding

Experts at Financial Geniuses assist you in meeting all the requirements that qualify you for a business loan. We also help you select the loan most suited to your specific business needs.

Business Loans