Preparation is everything when it comes to applying for any type of loan. Whether it be a 30 year mortgage or any of the unsecured start up business loans, the package you present must be impeccable. You will be up against numerous applicants trying to obtain a limited amout of funds. Like everything else in a capitalistic society, this is a competition. Whether you look at that way or not. There is no such thing as a carte blanche when it comes to the good old dollar. Be sure to find a reputable loan broker. Be tediously annoying when asking questions and dealing with them.