I actually would like information on Personal Loans. Sometimes I'm facing a situation where a person's utilization is high and they need say $50k - $100k to pay down utilization so they can qualify for the business 0% cards. Their credit score might be in high 600's - and clean - just lower then it should be because of utilization. A personal loan from lightstream, or BHG, or Prosper, or Best Egg or one of those companies might be best to do the trick. There are cases when the business is just not aged long enough or might have an MCA or some other debt in the business where the business is harder to use then a Personal Loan. Before I send people to those companies - I want to be able to guide them with some data points, much like we do with the 0% cards. That info would help me greatly and no body seems to have (or I haven't found) much information available on this as to who is best to use, where they pull from and data points