Business funding can unlock new growth — but approval depends on how well you prepare.
Understanding what lenders look for helps you stand out, secure funding faster, and negotiate stronger terms.
At Grammont Enterprises, we’ve helped hundreds of entrepreneurs structure successful loan applications. Here’s what matters most when you’re applying for a business loan in 2026.
1. A Strong Business Plan
Every lender — bank or private — wants to see a clear, realistic plan. Your business plan should outline:
• Market opportunity and competitive positioning
• Revenue projections and operating expenses
• Use of funds and expected ROI
Even established companies benefit from an updated plan that reflects current goals and market conditions.
(External resource: SCORE – How to Write a Winning Business Plan)
2. Cash Flow and Financial Health
Lenders evaluate your ability to repay the loan, not just your idea. Maintain up-to-date financials, including:
• Profit and loss statements
• Balance sheets
• Cash-flow forecasts
Private lenders like Grammont focus on performance potential and repayment strategy — giving growing businesses more flexibility than traditional banks.
3. Creditworthiness (But Not Just Credit Score)
Credit is important, but it’s not everything. Private lenders may consider your business and personal credit, but they also weigh your experience, industry, and collateral strength.
If your credit is less than ideal, emphasize your operational history and profitability. A well-documented record of success can offset credit challenges.
4. Equity or Investment in the Business
Lenders like to see owners with “skin in the game.”
Through Grammont’s 90/10 Funding Model, we fund up to 90% of your project cost — with just 10% from you.
If your 10% contribution isn’t available in full, our team helps structure or source it creatively.
5. Clear Purpose for the Loan
Know exactly what you need and why.
Whether it’s equipment, working capital, or a business acquisition, defining how funds will be used helps lenders assess ROI and repayment likelihood.
Our Funding Options page outlines the programs best suited to specific business goals.
6. Documentation Readiness
Incomplete paperwork is one of the most common reasons for loan delays or denials.
Before applying, gather:
• Tax returns (business and personal)
• Bank statements
• Business licenses and registrations
To stay organized, download our Funding Checklist — it lists everything lenders typically require.
7. Professional Presentation
Your loan application is also a reflection of your business credibility. Make sure your documents are clean, consistent, and professionally formatted.
If you’re applying for private funding, our specialists at Grammont can review your materials and help you position your business to qualify faster.
Being prepared doesn’t just improve your chances of approval — it shortens the time between application and funding.
If you’re ready to take the next step toward private business financing, book a Funding Strategy Session with Grammont Enterprises today.