Why Women Entrepreneurs Face Bank Lending Obstacles Both female and male business owners alike should understand how their business and personal circumstances are viewed by a lender before they make an application. And knowing when it is necessary to involve a business owner’s spouse—and when it is not—is key to the successful completion of the loan application process . That understanding begins with a thorough grasp of the criteria used in bank loan underwriting. These criteria include a measurement of the applicant’s ability to repay a loan or line of credit.
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