One of the most common reasons for business credit to be denied is the financial condition of the applicant. While all lenders seek to be repaid, the following companies may find commercial banks less likely than finance companies to take on greater risk for potentially greater reward:

• Companies That Can't Demonstrate Sustained Profitability
  
• Insufficient or Sub Bankable Net Worth
  
• Historical Liens / Losses / Filings / Judgments
• Derogatory Corporate / Personal Credit