Trying to start a new business or keep a business running these days is no easy task. It takes some smart planning, and unfortunately some cutbacks. For example when a company is struggling and the economic times do not support a fast recovery, many of them lay off employees. Employee cut backs are the fastest way to save money, even though they are extremely unpopular. If you want to keep a company going, or plan a start up you need to know what you are spending your money on. Look at your expenses like shipping, labor, insurance, materials, office supplies, electric, rent, and any other thing that is costing you money. By taking the time to find cheaper deals with the same companies you use, or with their competitors, you can save a lot of money.Another thing to consider is loans. Whether you are trying to get money to start up or keep going, or maybe you want to buy a property to avoid high rent costs, commercial loans are very valuable. They are however not easy to get, especially in a poor economy. The one thing you absolutely must have to get approved is a good credit score. A good score can not only get you approved but it can also help you get lower interest rates and finance charges, things that will make a big deal as you pay off the loan. If you have a poor score you can look into credit repair. A credit repair company fixes and score, no matter the reason it was lowered, and the process can be done in weeks rather than months or years. They can fix a score even if you have suffered from missing payments, identity theft, bankruptcy and any other reason. Its worth the time to check and fix your score if you want to take out a commercial loan.