2. 外语
  3. There are a few reasons why a home-based business may have trouble in securing business financing (筹集资金)through a bank or credit

There are a few reasons why a home-based business may have trouble in securing business financing (筹集资金)through a bank or credit

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问题            There are a few reasons why a home-based business may have trouble in securing business financing (筹集资金)through a bank or credit union:
           Your business isn’t firmly established： If your business is less than two years old, it’s unlikely that a traditional lender will be willing to take a chance on funding your business.
           Your business credit score is lacking：Once you apply for an employer identification （雇主识别） number, you have to start building a business credit score.You can improve the score by paying your bills, establishing trade credit accounts, and staying in business.The business and personal credit score both affect whether a lender is willing to offer you business financing.
           You lack a demonstrated（证明的） need：Taking on debt is a common way for raising funds.However, you should never do so unless you need to.Lenders will refuse to finance a business that can’t clearly show why they need funding, and how they’ll pay it back.
           If, as a home business owner, you discover an area that requires serious investment, you should be able to make your case to lenders, whether they are your local bank or an online lender.
Whether a business can obtain financing is likely to be decided by______.
选项 A、its yearly profit
B、its business scale type
C、its business credit score
D、its relationship with a lender
答案C
解析 根据第三段最后一句话“The business and personal credit score both affect whether a lender is willing to offer you business financing.”可知，业务和个人信用评分都会影响到贷款人是否愿意为你提供业务融资,故选C。
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