![business statement](https://img.overdriveonline.com/files/base/randallreilly/all/image/2014/05/ovd.business-statement.png?auto=format%2Ccompress&q=70&w=400)
![Partners in Business is sponsored by Ryder, Goodyear and Truckstop.com.](https://img.overdriveonline.com/files/base/randallreilly/all/image/2016/09/ovd.pibsponsorsjpg-2016-09-07-13-09.png?auto=format%2Ccompress&fit=max&q=70&w=400)
When you apply for a loan, be prepared to provide as much information as you can. You’ll need a budget, a business plan and a cash-flow statement when you apply for a loan. Be prepared to list credit references, even if you don’t have a perfect credit history. Include present and past creditors. Show the lender that you are a business owner first and an operator second.
The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm. It is sponsored by Ryder and Goodyear.