Small-business lending is the tightest it has been in decades, and only the most creditworthy companies are getting the capital they seek. Jeff Stibel, CEO of Dun & Bradstreet Credibility, offers 10 tips for joining the ranks of those creditworthy companies, starting with separating your business account from personal ones. After that, always pay your vendors on time -- and ask them to report your timely payments to credit agencies.

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