The difficulty or ease with which you get start-up business loans depends on your assets and liabilities. Banks and other financial institutions are hesitant to lend new entrepreneurs start-up business loans because of their naivete with respect to building a business. Now what makes getting a loan easy or difficult? Checking your financial status and surveying the assets at hand will determine whether you would get the start-up loan or not. Banking and non-banking institutions are more interested in what they can get from you than the start-up business loans they will give you. Usually, the start-up business loan amount si computed with the total amount of assets that the bank can seize, in case you cannot pay back your business loans. That is why it is good to seek professional help, in order to reduce the stress of computing your assets in comparison with the amount you are borrowing.Most financial advisers advise their clients not to get business loans that are higher than their assets, so that it will be easy to get out of trouble. It is not easy to give your entire house and other assets just because you have incurred a bad loan. That is why many financial experts advice that you get small start-up business loans because the less start-up business loans you get, the less loans obligations you are going to pay.Nevertheless, improving your income can ensure you get the loan you want. Your ability to create personal financial opportunities (which means that you would have a good financial status until the year ends) will give the financial institutions an assurance that once they give you the money, they can have their investments returned. Remember, lending is a business too, and the primary goal of a lending institution is to earn profits in order to allow expansion of the business, thus creating more financial opportunities for others.In conclusion, you don't need huge Start Up Business Loans that are difficult to pay. All you need is the right information about the business venture that you want to undertake. All you need to do is to plan your finances carefully; avoid hasty judgments and decisions when it comes to money matters. Meanwhile, when getting any kind of loan; ensure that you understand the terms and conditions connected with the loan. Since interest rates are easy to shoot up, ensure that you can pay the principal and the interest in due time. Always check the status of your loan and do not get another loan, if you are not yet finished paying the other one.