Write the next sentence in this paragraph:

How to finance your business 
Identify business lenders. 
Debt financing is probably the most common way to finance your business. You take out a loan and agree to pay it back over a certain amount of time.

Choose from:
(I) You then will pay off the loan and if your business has a down payment, the creditor gains more. For the purposes of this loan, you usually will choose a loan company that will be willing to make payments on your business loan.
(II) Then, you proceed to loan the owner up to the money it can pull together. You also borrow to finance a particular loan.
(III) The lender charges interest and makes a profit that way. The most common business lenders are the following : Commercial banks.
(IV) Other loans, such as payday loans or mortgage loans, are better as last resort. You want to avoid the risk of incurring interest and may benefit from locking down a portion of the debt-in other words, having a simpler time with it.
(III)