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.
A traditional lender will NOT be willing to provide funds to a business if_________.
选项 A、it is a foreign company
B、it has been newly set up
C、it is located in a remote area
D、it is a small family business
答案B
解析 根据第一个原因“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.”可知，如果你的企业成立不到两年,传统的贷款机构不太可能愿意冒险为你的企业融资。成立不到两年即新成立的,故选B。
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