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Not too long ago, if you needed funding for your business, your first—and often only—stop was the bank. You’d gather stacks of paperwork, sit through a number of meetings and wait, sometimes weeks, for an answer. Even then, a single misstep in your credit history or a dip in last quarter’s revenue could sink your application.

But the world of small business finance has changed dramatically, and many business owners today are turning to private credit.

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