It's easy to get credit when you don't need it -- and not so much when you do -- so as soon as possible is the best time for small businesses to start building their credit-worthiness, Kelly K. Spors writes. Pay attention to your personal credit rating and apply for credit shortly after starting your business, experts advise. Establish a good payment history with vendors and a business credit card, and don't limit yourself to one bank or lender. Also, remember there are more sources for assets than traditional banks.

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