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Well you need to build some credit. Personal as well as business. First step is going to your bank and asking for a credit card. Talk to your banker about how to build credit. You are a long way away from getting a business loan.

What is your FICO and what kind of credit do you currently have? In order to get big loans you need a history of repaying smaller loans. I started out with a 1000 limit credit card from my credit union at 17 years old. Through a lucky break (responding to an ad for hearing aids) I ended up with...