As to the matter of small business loans bad credit, I’m puzzled by it all. That’s why I avoid undesirable credit right off the bat. Yet in today’s tough economic climate, when FICO’s raised the benchmark of what’s a good score and what’s not, it can be just about impossible for people to avoid being labeled a credit risk. That is, what company doesn’t operate on a deficit once in a while; what business doesn’t talk to creditors in the hopes of renegotiating previously agreed-upon terms? Fine, so not all these things affect your score, but I hope you see what I mean: stuff happens, doesn’t it; plenty of things can ensue. Why should anyone be held responsible just for random stuff? All right, all right – however, random stuff can also be good, and one must, as the ol’ proverb suggests, take the good with the bad.