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"There are a few reasons why a home-based business may have trouble in securing business financing(凑集资金) through a bank or credit union:

·Your business isn’t firmly established: If your business is less than two years old, it’s unlikely that a traditional lender will be willing to take a chance on funding your business.

·Your business credit score is lacking: Once you apply for an employer identification(雇主识别)number, you have to start building a business credit score. You can improve the score by paying your bills, establishing trade credit accounts, and staying in business. The business and personal credit score both affect whether a lender is willing to offer you business financing.

·You lack a demonstrated (证明的) need: Taking on debt is a common way for raising funds. However, you should never do so unless you need to. Lenders will refuse to finance a business that can’t clearly show why they need funding, and how they’ll pay it back.

If, as a home business owner, you discover an area that requires serious investment, you should be able to make your case to lenders, whether they are your local bank or an online lender.""

1)【单选题】A traditional lender will NOT be willing to provide funds to a business if________.

#A. it is a foreign company

#B. it has been newly set up

#C. it is located in a remote area

#D. it is a small family business

2）【单选题】Whether a business can obtain financing is likely to be decided by_______.

#A. its yearly profit

#B. its business scale type

#C. its business credit score

#D. its relationship with a lender

3）【单选题】To secure business financing, a business owner should clearly demonstrate to the lender _________.

#A. the need for funding

#B. the marketing strategy

#C. the company’s products

#D. the business management

4）【单选题】The expression “make your case” in the sentence“...you should be able to make your case to lenders...” (Para 5) means “_________”.

#A. give your sales plan

#B. offer your proposal

#C. make your promise

#D. state your reasons

5）【单选题】The passage is mainly about _________.

#A. when a home-based business should build a business credit score

#B. how a family business applies for financing from a local bank

#C. why a home-based business has difficulty obtaining financing

#D. where a home-based business can secure business financing"