Trying to land a business loan can be a real challenge. No one enjoys applying, but it’s even worse to try and run your business without the necessary funds.

There are a few killer secrets that can give you a leg up on the competition, however.

Get to know your lender. People usually prefer to do business with someone they know, so establishing a personal relationship with the lender is a good way to go. You immediately increase your chances of getting the loan.

Use a local bank. National banks are less likely to approve you unless you have a really good track record in business. Local banks may be willing to take a risk in order to improve the local economy.

Double check your work. When you apply for a loan, you need to bring in a lot of paperwork. Be sure you have everything that is needed. You could be turned down simply because you don’t have what they require.

Check with credit unions. If a bank isn’t interested in helping you out, don’t give up. Try the local credit union next.

A business loan can take your business to the next level, but you do have to go after it. The tips here are designed to help you improve your chances of getting those tricky business loans.