[header] How to apply for business loans [title] Understand your needs. [step] One of the biggest difficulties that people run into when applying for a business loan is not understanding what they need. Before you ever even fill out the application, have a firm idea of how much money you need in order to do what is necessary for your business. 
This will also help the loan to go through smoothly, and you may even find that you are able to get more money than what you actually need. It is always good to have a starting point, however, so make sure that you take this step before you begin.