There are many differences when applying for business finance compared to when you seek personal finance.
The major difference is in the time taken for approval of a business mortgage loans. When getting store credit or a personal credit card, you wait patiently for 60 seconds, and all is done. Compare this to business finance where you need to supply two or three years figures, a details proposal of how you are going to repay the loan, and then it goes off to some mysterious loans officer to approve.
The role of a broker is helpful here where you can get a third party, who is earning money for getting the loan approved, to do all the leg work.
When you have your loan in place, as long as payments are regular, a business mortgage loans is very much set and forget.
So, it takes longer, you need more support documentation but when in place, it is usually hassle free. With a good business plan, you can get your finance requirements set for the next 2 to three years now.