As I mentioned in This Post, lending has tightened up in business lines of credit.

Here are some issues that have resulted in ZERO MONEY in the last 3 months:

-          Over 12 inquiries (4 per bureau) in the last year
-          Under a 675 FICO score
-          Over 70% debt ratio on revolving credit
-          High balances on Net-30 or $0 Limit accounts, such as Open AMEX cards.
-          HELOC or Mortages under 4 months old

If any clients have these stats – THEY ARE CERTAINLY A NO-GO