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Stick to the purpose you stated in your application. Misusing funds can lead to cash flow problems.

A good credit score increases your chances of approval and better terms. Settle any outstanding obligations if needed.

Lenders often ask for bank statements, tax returns, or audited financials—make sure yours are up to date.

Timely payments build your credit reputation and avoid penalties or increased interest.

Especially for business loans, lenders want to see where their money is going and how you plan to grow.

Assess your monthly income and expenses. Don’t over-borrow—choose a loan amount you can comfortably repay.

Short-term loans have higher monthly payments but lower total interest; long-term loans offer lower monthly payments but higher interest over time.

Timely payments build your credit reputation and avoid penalties or increased interest.

If you're having trouble with repayment, talk to your lender early. They may offer restructuring or a grace period.

Understand the loan terms, including interest rate types (fixed or variable), penalties, and fees.

Set Up an Emergency Fund
This helps you continue repayments even during unexpected financial difficulties.