As an entrepreneur, you want to be able to run your business smoothly and efficiently. However, for many people this, unfortunately, means floating on credit when money is tight. While having a company credit card can be essential, it’s never a good idea to rely on credit cards too often to balance your books.

There are very few businesses out there that are able to stay profitable every part of the year. Most businesses experience a season or two of profit and success, and then have to use the money they made during that time to make it through the rest of the year, when earnings drop off.

As an entrepreneur, you know that you have to spend money to make money. Whether you’re just starting, trying to expand, or you need a cash infusion to manage some unexpected expenses, getting a business loan is a necessary part of the enterprise process.

In December Senators Sherrod Brown and Senator Marco Rubio introduced the Small Business Lending Fairness Act, which is dedicated to helping prevent predatory lending to small businesses. This is a different lending act than the one recently passed in California,...