All businesses reach a critical juncture when they need additional capital to get to the next level. In this environment, when a business is poised to take on more customers or larger orders, it can’t afford to let the competition step in just because it’s unprepared to access the capital it needs. Yet studies show that nearly 80% of small businesses are turned down by banks for financing. One of the top reasons banks give for denying a loan to small businesses is that they weren’t prepared—they were missing some of the pieces of the puzzle.