Borrower's credit score always reflect on their history of repaying. Paying late and failure to pay credit affect your credit score. Credit scores also appear on their repaying history and this may lead to getting in a way of your chance to get another business loan. Amount over dues and bankruptcy would add score on your credit history and this might put off lender on giving you loan. It is true that bad credit business loan may still be availed by those who have bad credit score. It is an advantage on your part because the lender may approve your loan yet, gives you a higher rate of interest and gives you a shorter loan period.
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