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Excerpt: Today’s economy and high unemployment rates are pushing most of us to explore the option of putting up our own small businesses. You will get to handle your own money, there is no risk of lay-offs, and it is a great opportunity to explore your skills on handling your own business and company. However, more banks nowadays are enforcing stricter rules and guidelines for giving out business loans. A bad credit history may be one of your concerns for getting rejected for a loan, and this makes it difficult for us to get the financial help few need to get…