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[Music] foreign [Music] hi Im Irv Hughes president of American Credit assurance and I am really excited to share with you some information on how to go about getting a business loan over the years my team and I have helped over 4 000 small businesses get access to over a hundred million dollars in loans and access to Capital and today were going to run through some bullet points to help you understand what exactly it is you need to do to stack the deck in your favor so to begin what applicants should know and the first thing I want you to know guys is that business lending is different than consumer lending and frankly many people understand uh consumer lending simply because theyve had more experience previous borrowing experiences with making purchases of homes cars and getting approvals for credit cards and things like that so with business lending to get a business loan heres one of the things that you want to know first of all instead of just one approval this requires two se