Update

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The Chinese fortune cookie from last night wasn't totally off-base. It looks like I could get a business loan now.

However, I should be able to get a much better deal if I a) raise another few grand in cash and b) apply for a loan that includes phases 1 and 2 of my company's expansion - instead of doing getting a loan for phase 1 now and a second one for phase 2 in another couple of months.

Welcome to the world of corporate finance!

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