My latest article is up over at the Online Merchant Network. "How to Get Your First (or Next) Business Loan" offers basic advice for getting a business loan if you've never had one before, or even if you have: "Cut the revenues in half and multiply the expenses by two." That's the mantra of a business planner friend of mine. He means that startup entrepreneurs tend to make rosy plans, but in reality sales take longer to build, and there are always unexpected expenses. In short, you'll need more cash than you anticipate. Do you have any tips for getting a business loan? Share them by leaving a comment.