This guide covers how to get approved for the right business loans. Many people who eventually want to open up their own businesses and work hard to save money to fund their new business.
- However, they will need a business loan from a bank or via SBA, Small Business Administration, in order to make it happen
- Banks, credit unions, and commercial loan broker are the right sources to go to for a business loan
In this article, we will discuss and cover how to get approved for the right business loans.
Before You Apply For A Business Loan
The first thing a business loan borrower should do is to get a written business plan together as well as prepare a resume on the partners if any. Need to clearly state all the qualifications and experience of all partners. The business plan and resume should show the lender why the borrowers will be successful. Need to convince business/commercial lenders why the lender should lend the borrower the money to fund their business.
- They should prepare financial statements and asset information and collateral information as well
- A business plan should include a detailed executive summary
- I should also include a detailed description of the scope of the business as well as goals and forecasts of the subject business revenues and expenses
- It should also include an overview of the competition and marketing plan
- If the business is an existing business, the business lender will want to see profit and loss statements, income tax returns, and financial statements for the business for the past three years
- The business lender’s underwriting department will underwrite the business and the strength of the guarantor/borrower
They will want to know the borrower’s past experience in the industry as well as their financials.
Requirements For a Business Loan Application
Although the business loan lender will treat the business operations as its own entity, the lender will feel more comfortable with a personal guarantee and/or collateral.
- Whether the guarantor of the business loan will be an owner-operator or a passive investor will need to be address
- Also, lenders will need to see that the guarantor has the ability to run the business successfully and is able to repay the business loan timely
Business loans are viewed as risky loans so the business loan lender will especially pay attention of compensating factors such as following:
- Personal Guarantee
- Assets
- Reserves
- Collateral in the event if the business fails
The business loan lender will scrutinize and analyze the guarantor’s credit report, credit scores, assets, bank statements, personal financial statement, and three years of personal and business tax returns.
Match your business with the right funding
Compare term loans, LOCs, SBA, equipment, and invoice financing side by side.
Collateral on Business Loans
Business loan lenders will require strong collateral in order to approve business loans. Most business lenders want the borrower to put skin in the game. That means large down payment, reserves, personal guarantee, and collateral.
- They will require a substantial down payment unless it is an SBA Loan
- Personal guarantee and collateral is important
- Lenders will evaluate on how liquid the collateral is in the event if the business fails
Examples of collateral to secure a business loan is real estate and equipment that has significant value.
Business Purchase Loans For Start-Up Companies are available. However, lenders often are limited in taking on risks. Lenders love lending money to stable businesses. However, start-ups are often risky. Lenders often look at the resume and experience of the entrepreneur. Was this the first business? How many businesses does the entrepreneur have started and how was the outcome?
Buyers are looking for a great deal. Sellers are looking to get the highest price: a strategy that accomplishes both. What is the total cost a buyer really pays for a business?
Let’s refer to this total cost as “opportunity price”, this is not just the price the buyer pays for the business but the “total repayment costs in terms of gross, or before-tax, income … the purchaser will be required to earn to make the after-tax payments.”
Example of Business Purchase and Business Loans
Example: The cost of the business is $100,000; the purchase must earn a gross income of $180,000 (assuming a combined 45% tax) in order to have the $100,000 after-tax income to purchase the business.
As for the Seller, they may want the highest price possible. But the market will dictate what a buyer is willing to pay and what the business purchase is worth.
Tax Strategy on Business Purchase
Through a specific financial and tax strategy, a Seller can net out their desired profit from the business, while at the same time provide not only a very competitive price to the buyer but also an immediate tax deduction, thereby reducing the purchaser’s total cost even further.
How To Get Approved For The Right Business Loans
Learn how to prepare an application, choose a loan type, and avoid pitfalls to get faster approval on a business loan. In the world of business growth, finding the right money has the power to change everything. John Strange, a senior mortgage loan originator at Gustan Cho Associates says the following about business loans:
Business loans can provide a lifeline, whether starting a business, expanding an already operating one, or just trying to cover a cash flow.
Applying for a loan has never been more complex. Approvals take much strategy. This guide focuses on increasing the chances of getting approved for business loans and taking the right actions. We will cover applying for business loans, understanding eligibility, and preparing an application. You will be confident in the funding you get.
Understanding the Basics of Business Loans
Before the approval process, it is crucial to understand what business loans mean. Business loans are products of financing intended for business use and offer capital to business owners that they are to pay back over an extended duration at an interest rate. Unlike personal loans, business loans assess the finances of the business and its anticipated income and needs. Various creditors, including banks, online lenders, and other financing institutions, offer business loans. All lenders assess these loans regarding risk, so preparation is crucial.
What Makes a Business Loan “Right” For You
The “right” business loan is the one that caters to your background and all your circumstances. For example, suppose you are a small business proprietor needing immediate cash to purchase stock. In that case, a more logical solution is a short-term business loan instead of an expensive long-term loan. Look at loan size, interest charges, repayment duration, etc. A loan that is easily mismatched is accompanied by excessive repayment challenges, so do your estimating and decide if you are paying for cash, equipment, real estate, or working capital. Many online loan calculators can assist you in working out the costs and target business loans that allow you to grow sustainably.
Common Types of Business Loans Available
Familiarizing yourself with the types of loans available allows you to choose wisely. A term loan is the best option for predictable expenses since it repays a lump sum with fixed repayments. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about business loans:
For more flexible needs, lines of credit permit borrowing funds up to a certain limit. The terms for businesses qualified for SBA loans from the Small Business Administration are more favorable, but the paperwork is more burdensome.
Invoice financing is suitable for service-based firms as it provides funding for unpaid invoices. Each type has different approval requirements, making it easier to find the business loans that suit your needs.
Preparing Your Business for Loan Approval
Approval can be given out when a business is deemed creditworthy and viable. Lenders want to see that your business can repay the loan without defaulting, which is why this kind of preparation is important. When applying for loans, it’s best to review your financials months in advance, as applying at the last minute is the reason many loans get denied.
Developing your Business Credit Profile
Your Business Credit is akin to a Personal FICO Score. It is one of the foremost indicators of your business’s likelihood of securing a loan. Payment history and credit usage, as well as relevant public records, are tracked by agencies like Dun & Bradstreet and Experian.
To improve your credit profile, attend to the timely payment of debts to suppliers and existing obligations. Charge off accounts for which credit obligations exceed 30%, and if you have not done so, apply for a DUNS number.
It is considerably favorable in the odds department if your score is above 75 on the 0-100 range. Keep your report for inaccuracies as well. Disputing errors can increase your score and is one of the fastest ways to access favorable business loan rates.
Preparing Necessary Financial Documents
Transparency is the core of a loan’s structure, so you must gather profit and loss statements, balance sheets, 3 years of tax returns, and bank statements. Startup companies should also use business. Startup companies should also use business plans that include market research and cash flow projections.
Personal financials are also critical, particularly for small businesses where the owner countersigning on the loan is a common phenomenon.
Accurate and orderly financial reports can be achieved using accounting programs like QuickBooks. Pro Tip: loan documents showing consistent growing cash flow should be tailored to emphasize these particular strong points.
Putting Together a Convincing Application
While a well-founded structure can be helpful, you have to shift your attention to the application. Professionalism is evident in how organized a submission is, and the resultant increased chances of approval can be as high as 40% of the market average.
Writing an Effective and Strategic Business Plan
Business plans are the most critical elements of any application. Clarifying your mission, audience, market competition, and how the loan helps you achieve strategic goals becomes critical. Quantifying the impact is most important in writing the statement:
“A fifteen percent production increase and an increase in the annual revenue of $150,000 dollars is achievable with a business loan of 50,000 dollars.”
Each lender is different, with traditional banks focusing more on conservative estimates, while fintechs are more innovative. Concise and clear are important, not just for approval but also for your strategic vision on using business loans for growth.
Get pre-qualified without hurting your credit
Soft-pull pre-qual shows estimated limits, terms, and payments in minutes.
Choosing a Lender That Best Fits You
Each lender follows different protocols, so picking the relevant lender increases the chances of getting approved quickly. For example, banks have low rates, but their criteria are very strict. These banks work best with established firms due to their low-rate offers. Kabbage and OnDeck both work as online lenders.
Lenders of business loans work with startups and get business loans approved fast, about 24 hours, but charge a higher interest rate.
Credit unions focus on their members, while SBA lenders get security from government-approved partners. Use LendingTree and other sites to research, analyze APRs, and check the ratings. Use LinkedIn or attend business conferences to find specialized, tailored business loans.
Following the Application Process In An Organized Manner
It’s advisable to show patience in business loans especially. With other types of loans, the patience period is between 2 and 30 days. The rest is a waiting game. Paying attention to your loan application can prove beneficial. You can track your loan application on a portal, and other loan documents can be tracked via portals on the internet.
How to Increase Your Chances of Getting Approved
Business loan applicants are generally the strongest and most competent, but there is always room for improvement in their applications. These methods are the best for faster and less complicated business loan approvals.
Improving Your Personal Credit Score
Almost every business loan will need some form of personal guarantee, which is where your FICO score (aim for 680+) will come in handy, as it will influence the terms of your personal loan. Pay down debts, avoid new credit, and dispute errors on your credit report. Credit takes time to build, but a 50-point increase can see you get better business loan options.
Demonstrating Revenue and Cash Flow Stability
When lenders look at cash flow, they look for evidence of consistent cash inflow. During slow cash flows, provide evidence of aged receivables. Seasonal businesses should provide some recorded data for recovery patterns. Also, provide equipment as collateral to lower your business loan risk.
Leveraging Collateral And Co-Signs Effectively
Put down collateral like property or equipment. Your business loan rates will be lower because you shift some of the risk to yourself. Just remember, a default will also result in collateral loss, which needs to be considered. Co-signers can provide extra support when credit is weak, provided they do not burden the relationship.
Steer Clear of These Common Mistakes When Applying for Business Loans
- Don’t fall victim to these blunders to avoid rejection and the effort that goes to waste.
- Overborrowing or Underestimating Repayments
- Don’t request more cash than what is needed.
- Too much borrowed too soon will spell danger. Budgeting for loan repayments ensures they do not squeeze your cash flow too much.
Hidden Fees and Terms Ignored
Vagueness and half-truths about closing costs like origination fees and prepayment penalties can be deeply troubling. A transparent lender will disclose everything well before closing. If they provide vague offers regarding their services, kindly walk away to enhance your business loans experience.
Inaccurate and Incompletely Submitted Documents
Spelling and grammatical mistakes, along with missing information, suggest negligence. Ask a seasoned professional to review everything. Submission accuracy helps in business loan approvals, establishes trust, and improves your chances of being liable.
Today, Secure the Future of Your Business
Complexity aside, getting business loans is a process that takes a lot of time and dedication. Preparing, having a strong business profile, and delivering everything in a strong business proposition are half the battles. Business loans are receivable and will fortify your position; just be patient. In case of a negative response, you must accept the feedback and adjust. It is essential to apply again. Apply, explore, and step forward to seize the opportunity.
The Various Types of Business Loans
- Term Loans: These loans allow you to borrow a specified sum of money and pay it with interest within a set time.
- They are, therefore, repaid over a specified period.
- They are well-suited for big purchases or expansions.
- Credit Lines: A credit line is an extremely flexible borrowing option.
- You can withdraw money as you want up to a set maximum amount.
- It’s great for cash flow management or other unexpected costs.
- SBA Loans: These loans, backed by the Small Business Administration, offer a much lower interest rate and a longer repayment time, making them ideal for small businesses that can’t secure a loan from a traditional bank.
- Equipment Loans: You can finance equipment like machinery and tools as collateral for the loan, making it much easier to qualify for.
- Invoice Loans: These loans allow you to access funds from pending customer payments against an invoice for immediate cash flow.
How To Get Approved For The Right Business Loans
Learn how to prepare an application, choose a loan type, and avoid pitfalls to get faster approval on a business loan.
In the world of business growth, finding the right money has the power to change everything. Business loans can provide a lifeline, whether starting a business, expanding an already operating one, or just trying to cover a cash flow. However, applying for a loan has never been more complex. Approvals take much strategy.
The Right Way To Get Approved For Business Loans
This guide focuses on increasing the chances of getting approved for business loans and taking the right actions. We will cover applying for business loans, understanding eligibility, and preparing an application. You will be confident in the funding you get.
Understanding the Basics of Business Loans
Before the approval process, it is crucial to understand what business loans mean. Business loans are products of financing intended for business use and offer capital to business owners that they are to pay back over an extended duration at an interest rate.
Assessing The Options for Your Business Loans
Before starting the application, it is important to note that different loans serve different purposes. Understanding each’s features and benefits will guide your decision on which business loan will best suit you.
Unlike personal loans, business loans assess a business’s finances, anticipated income, and needs. Various creditors, including banks, online lenders, and other financing institutions, offer business loans. All lenders assess these loans regarding risk, so preparation is crucial.
What Makes a Business Loan “Right” For You
The “right” business loan is the one that caters to your background and all your circumstances. For example, suppose you are a small business proprietor needing immediate cash to purchase stock. In that case, a more logical solution is a short-term business loan instead of an expensive long-term loan. Look at loan size, interest charges, repayment duration, etc. A loan that is easily mismatched is accompanied by excessive repayment challenges, so do your estimating and decide if you are paying for cash, equipment, real estate, or working capital. Many online loan calculators can assist you in working out the costs and target business loans that allow you to grow sustainably.
Common Types of Business Loans Available
Familiarizing yourself with the types of loans available allows you to choose wisely. A term loan is the best option for predictable expenses since it repays a lump sum with fixed repayments. For more flexible needs, lines of credit permit borrowing funds up to a certain limit. The terms for businesses qualified for SBA loans from the Small Business Administration are more favorable, but the paperwork is more burdensome. Invoice financing is suitable for service-based firms as it provides funding for unpaid invoices. Each type has different approval requirements, making finding the business loans that suit your needs easier.
Preparing Your Business for Loan Approval
Approval can be given out when a business is deemed creditworthy and viable. Lenders want to see that your business can repay the loan without defaulting, which is why this preparation is important. When applying for loans, it’s best to review your financials months in advance, as applying at the last minute is why many loans get denied.
Developing your Business Credit Profile
Your Business Credit is akin to a Personal FICO Score. It is one of the foremost indicators of your business’s likelihood of securing a loan. Payment history and credit usage, as well as relevant public records, are tracked by agencies like Dun & Bradstreet and Experian. To improve your credit profile, attend to the timely payment of debts to suppliers and existing obligations. Charge off accounts for which credit obligations exceed 30%, and if you have not done so, apply for a DUNS number. It is considerably favorable in the odds department if your score is above 75 on the 0-100 range. Keep your report for inaccuracies as well. Disputing errors can increase your score and is one of the fastest ways to access favorable business loan rates.
Preparing Necessary Financial Documents
Transparency is the core of a loan’s structure, so you must gather profit and loss statements, balance sheets, 3 years of tax returns, and bank statements. Startup companies should also use business.
Startup companies should also use business plans that include market research and cash flow projections. Personal financials are also critical, particularly for small businesses where the owner countersigning on the loan is a common phenomenon. Accurate and orderly financial reports can be achieved using accounting programs like QuickBooks. Pro Tip: loan documents showing consistently growing cash flow should be tailored to emphasize these strong points.
Putting Together a Convincing Application
While a well-founded structure can be helpful, you have to shift your attention to the application. Professionalism is evident in how organized a submission is, and the resultant increased chances of approval can be as high as 40% of the market average.
Writing an Effective and Strategic Business Plan
Business plans are the most critical elements of any application. Clarifying your mission, audience, market competition, and how the loan helps you achieve strategic goals becomes critical. Quantifying the impact is most important in writing the statement:
“A fifteen percent production increase and an increase in the annual revenue of 150,000 dollars is achievable with a business loan of 50,000 dollars.”
Each lender is different, with traditional banks focusing more on conservative estimates, while fintechs are more innovative. Concise and clear are important, not just for approval but also for your strategic vision on using business loans for growth.
Choosing a Lender That Best Fits You
Each lender follows different protocols, so picking the relevant lender increases the chances of getting approved quickly. For example, banks have low rates, but their criteria are very strict. These banks work best with established firms due to their low-rate offers. Kabbage and OnDeck both work as online lenders.
These lenders work with startups and get business loans approved fast, about 24 hours, but charge a higher interest rate. Credit unions focus on their members, while SBA lenders get security from government-approved partners.
Use LendingTree and other sites to research, analyze APRs, and check the ratings. Use LinkedIn or attend business conferences to find specialized, tailored business loans.
Build a lender-ready business plan first
Package your executive summary, financials, resumes, and market analysis to strengthen approval.
Following the Application Process In An Organized Manner
It’s especially advisable to show patience when dealing with business loans. With other types of loans, the patience period is between 2 and 30 days. The rest is a waiting game. Paying attention to your loan application can prove beneficial. You can track your loan application on a portal, and other loan documents can be tracked via portals on the internet.
How to Increase Your Chances of Getting Approved
Business loan applicants are generally the strongest and most competent, but their applications always have room for improvement. These methods are the best for faster and less complicated business loan approvals.
Improving Your Personal Credit Score
Almost every business loan will need some form of personal guarantee, which is where your FICO score (aim for 680+) will come in handy, as it will influence the terms of your personal loan. Pay debts, avoid new credit, and dispute errors on your credit report. Credit takes time to build, but a 50-point increase can help you get better business loan options.
Demonstrating Revenue and Cash Flow Stability
When lenders look at cash flow, they look for evidence of consistent cash inflow. During slow cash flows, provide evidence of aged receivables. Seasonal businesses should provide some recorded data for recovery patterns. Also, provide equipment as collateral to lower your business loan risk.
Leveraging Collateral And Co-Signs Effectively
Put down collateral like property or equipment. Your business loan rates will be lower because you shift some of the risk to yourself. Just remember, a default will also result in collateral loss, which needs to be considered. Co-signers can provide extra support when credit is weak, provided they do not burden the relationship.
Steer Clear of These Common Mistakes When Applying for Business Loans
- Don’t fall victim to these blunders to avoid rejection and the effort that goes to waste.
- Overborrowing or Underestimating Repayments
- Don’t request more cash than what is needed.
- Too much borrowed too soon will spell danger.
- Budgeting for loan repayments ensures they do not squeeze your cash flow too much.
Hidden Fees and Terms Ignored
Vagueness and half-truths about closing costs like origination fees and prepayment penalties can be deeply troubling. A transparent lender will disclose everything well before closing. If they provide vague offers regarding their services, kindly walk away to enhance your business loans experience.
Inaccurate and Incompletely Submitted Documents
Spelling and grammatical mistakes, along with missing information, suggest negligence. Ask a seasoned professional to review everything. Submission accuracy helps in business loan approvals, establishes trust, and improves your chances of being liable.
Today, Secure the Future of Your Business
Complexity aside, getting business loans is a process that takes a lot of time and dedication. Preparing, having a strong business profile, and delivering everything in a strong business proposition are half the battles. Business loans are receivable and will fortify your position; just be patient. In case of a negative response, you must accept the feedback and adjust. It is essential to apply again. Apply, explore, and step forward to seize the opportunity.
Frequently Asked Questions:
What Credit Score Do I Need For Business Loans?
- Most lenders require a business credit score of 70+ and a personal FICO score of 680+.
- However, some online options accept lower scores at a premium.
How Long Does it Take to Get Approved for Business Loans?
- Approvals can take hours for online lenders or weeks for banks.
- SBA loans, on the other hand, can take 45 to 90 days because the paperwork is overwhelming.
Are Startups Eligible for Business Loans?
- Yes, but it will involve a deeper investigation.
- Prioritize personal credit, a comprehensive business plan, and potential microloans for funding.
What Happens if The Application For The Loan is Denied?
- Understand why it was denied, remove factors like credit score, and reapply after 3-6 months of cooling.
- You can also consider getting a business credit card to build credit.
Are There Loans Available for Small Businesses without Any Form of Collateral?
- Unsecured business loans are available for businesses with excellent credit.
- However, the interest is much higher.
- Invoice financing, which has little to no collateral, is also available.
What is The Loan Amount Available for Business Loans?
- The amounts differ for various loans, from $5,000 to $250,000 for smaller loans and even beyond millions for term loans, based on revenue and credit score.
What Credit Score Do I Need For Business Loans?
- Most lenders require a business credit score of 70+ and a personal FICO score of 680+.
- However, some online options accept lower scores at a premium.
How Long Does it Take to Get Approved for Business Loans?
- Approvals can take hours for online lenders or weeks for banks.
- SBA loans, on the other hand, can take 45 to 90 days because the paperwork is overwhelming.
Are Startups Eligible for Business Loans?
- Yes, but it will involve a deeper investigation.
- Prioritize personal credit, a comprehensive business plan, and potential microloans for funding.
What Happens if The Application For The Loan is Denied?
- Understand why it was denied, remove factors like credit score, and reapply after 3-6 months of cooling.
- You can also consider getting a business credit card to build credit.
Are There Loans Available for Small Businesses without Any Form of Collateral?
- Unsecured business loans are available for businesses with excellent credit.
- However, the interest is much higher.
- Invoice financing, which has very little to no collateral, is also available.
What is The Loan Amount Available for Business Loans?
- The amounts differ for various types of loans, for example, from $5,000 to $250,000 for smaller loans and even beyond millions for term loans, based on revenue and credit score.
Getting Ready for the Business Loan
With business loans, preparation is extremely important. Lenders will want to see that your business is making money and that you can pay the loan. To be the best prepared:
- Calculate the Loan Factor: A personal and business credit score affects one’s ability to obtain bank loans. It is important to check one’s credit report for mistakes and revise scores by paying bills on time.
- Arrange Your Economic Papers: The lender will need various economic documents, such as:
- Business Plan: Define your business’s major objectives, strategies, financing needs, and forecasts.
- Financial Statements: Prepare the income, balances, and cash flow statements.
- Tax Returns: You must prepare your business and personal tax returns for the last two or three years.
- Bank Statements: Recent bank statements must be provided to demonstrate cash flow and other transactions.
- Lower Your Debt-to-Income Ratio: A lower debt-to-income ratio indicates that the business can take on more debt.
- Relative to income, debt must be paid down, and income needs to be enhanced.
Leverage collateral and guarantees wisely
Understand down payment, reserves, and personal guarantee expectations before you apply.
Finding the Most Appropriate Lender For Business Loans
The most appropriate lender is as important to business financing as the loan. Different lenders have different criteria and offerings, so it is very important to find a business match.
Conventional Lending Institutions
These are the most common sources of financing. Banks and other financial institutions usually have very competitive interest rates and many loan products. Unfortunately, they are also often stricter in their criteria and have a longer processing period for loan applications.
Alternative Lending Institutions
These are very important for businesses that need cash very fast. Alternative lenders have a quick approval and funding period. Even though these institutions have a reputation for very high interest rates, there are many situations where they are more lenient with credit and cash flow requirements.
Credit Unions
When working with a credit union, borrowers will likely encounter lower interest rates and more tailored services. They are excellent options for businesses with strong credit records and existing ties to the union.
The Application Process
After deciding on the right lender and loan type, the application must be processed. Generally, this is what to expect in the process.
Gather All Necessary Documents
A business plan, financial statements, tax records, and bank statements are mandatory. If all the documents are available, the application process is usually streamlined, and completion is quicker.
Complete the Application Form
Providing as much detail as possible in the application is important. No section should be left blank, and the application should be as comprehensive as possible.
Wait for Approval
Approval time varies from a couple of days to multiple weeks, depending on the lender and the application’s intricacies. Respective loaners should be contacted and informed that further details may be needed.
Business Sellers
Securing a business loan aligned with your goals is important for advancing your business activities. Understanding your business, preparing the right documentation, and finding the right lender for your business and the entire loan process are critical for loan approval. Focus on your business’s goals. Remember that every business is unique, so do your diligent research to find the loan that is aligned with your goals.
When applying for a business loan, a business plan, financial statements, tax reports, certificates, and some legal documents, including articles of incorporation or a business license, are required.
When it comes to selling a business, through these time tested strategies, a business seller can end up getting top dollar for their business while simultaneously reducing their tax liabilities and providing a great deal to the business purchase buyer. A WIN-WIN for everyone, except maybe the taxman.
Can I Get a Business Loan With Bad Credit?
The minimum credit score for a business loan depends on the lender and the type of loan. In most cases, 640 is considered a good score, but some lenders will take lower scores on some loan products.
This is also a great strategy for Medical and Dental Professionals looking to increase the value of their practices. If you are looking for a doctor, dentist, veterinarian, podiatrist, chiropractor, or a licensed member of the healthcare community, please contact Gustan Cho Associates at 800-900-8569 or text us for a faster response. Or email us at gcho@gustancho.com. The team at Gustan Cho Associates can assist on the best route to take in qualifying for commercial loans plus business purchase loans for members of the healthcare community.
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