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These are a spectrum of unsecured business and personal credit lines and loans available from many providers. You could apply for some of these on your own, but you don’t know their underwriting and approval guidelines. Therefore, your potential for getting declined is very high. Once you are declined 3 times for any business lending product, then you will be declined for all business lending products for at least the next six months. That is because other lenders don’t know what happened on those applications and they will wait to watch your credit reports to find out. Typical approvals for business credit cards are $25,000 to $150,000.