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.
To secure business financing, a business owner should clearly demonstrate to the lender______.
选项 A、the need for funding
B、the marketing strategy
C、the company’ s products
D、the business management
答案A
解析 根据第四段最后一句“Lenders will refuse to finance a business that can’t clearly show why they need funding, and how they’ll pay it back.”可知，出借人将拒绝为不能清楚说明他们为什么需要资金以及他们将如何偿还资金的企业提供资金。因此企业主应该向贷款人清楚地证明资金的需求,故选A。
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