{"id":783,"date":"2025-10-25T21:13:51","date_gmt":"2025-10-25T21:13:51","guid":{"rendered":"https:\/\/prostartfinancialconsulting.com\/2025\/10\/25\/what-do-aliquam-sed-fringilla\/"},"modified":"2025-11-28T00:16:58","modified_gmt":"2025-11-28T00:16:58","slug":"guia-financiamiento","status":"publish","type":"post","link":"https:\/\/prostartfinancialconsulting.com\/en\/guia-financiamiento\/","title":{"rendered":"Essential guide to obtaining financing if your business is less than 2 years old"},"content":{"rendered":"
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Even if you're new, you can raise capital: you just need the right strategy.<\/span><\/em><\/h5>\n

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Many entrepreneurs believe that without two years of track record they cannot access financing. The reality is that <\/span>Yes, there are options.<\/b>They just require a more solid structure and well-prepared documentation.<\/span><\/p>\n

Here's a clear guide to increase your chances.<\/span><\/p>\n

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1. Organize your business legally<\/b><\/h4>\n

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Banks do not lend to \"informal\" businesses.<\/strong> You must have:<\/span><\/p>\n

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  • LLC or Corporation<\/span>

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  • A<\/strong> (Employer Identification Number \/ Employer Identification Number<\/strong>,)<\/span>

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  • Operating Agreement<\/span>

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  • Bank account business<\/strong><\/span>

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  • Business address (avoid PO Box)<\/span>

    <\/span><\/li>\n<\/ul>\n

    This demonstrates legitimacy<\/strong> and reduces risks to lenders.<\/span><\/p>\n

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    2. Build your business credit<\/b><\/h4>\n

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    Before requesting capital, your company must demonstrate:<\/span><\/p>\n

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    • Paid punctual<\/strong><\/span>

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    • Net-30 accounts \/ business lines of credit<\/span>

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    • Initial lines of suppliers<\/strong><\/span>

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    • Reports from bureaus such as D&B, Experian Business, Equifax Business<\/span>

      <\/span><\/li>\n<\/ul>\n

      A good foundation facilitates<\/strong> the approvals.<\/span><\/p>\n

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      3. Prepare your financial documentation<\/b><\/h4>\n

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      Even if your business is new, a bank wants to see<\/strong>:<\/span><\/p>\n

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      • Real income<\/span>

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      • Bank statements<\/strong> 3\u20136 months<\/span>

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      • Clear projections<\/span>

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      • Contracts or invoices<\/strong> that support operations<\/span>

        <\/span><\/li>\n<\/ul>\n

        Clarity<\/strong> financial inspires confidence.<\/span><\/p>\n

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        4. Consider options outside of the big banks<\/b><\/h4>\n

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        Young companies tend to obtain capital more easily in:<\/strong><\/span><\/p>\n

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        • Digital lenders

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        • Secured lines of credit<\/span>

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        • Business cards<\/span>

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        • Micro-loans<\/span>

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        • Community programs or grants<\/span>

          <\/span><\/li>\n<\/ul>\n

          After, already with a history,<\/strong> you will be able to access larger products.<\/span><\/p>\n

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          Do you want financing but don't know where to start?<\/b><\/h3>\n

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          Prostart helps you to structure your business<\/strong> so that it is bankable, even if it is less than two years old.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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