Navigating the lending landscape seems to be an eternal struggle for small businesses – thanks to the series of misconceptions associated with small business financing, in general. Small business lending rules that existed 10 years ago, don’t really exist anymore. If you have a credit score of 680 or above, some kind of collateral and some experience to boot, you will easily qualify for a loan right? Not really! As a small business owner, there are still chances of you being turned away.