Since I’ve never had any trouble obtaining a home mortgage, credit card, or auto loan, shouldn’t I be able to easily obtain a loan for my small business?

Obtaining a small business loan is not the same as getting a personal loan. It is much more challenging to obtain a loan for a small business than a loan to purchase a home or car. You should not assume that just because you easily obtained a personal loan that you will be able to obtain a small business loan. Business loans typically take more time, require more documentation, require collateral and are more highly scrutinized.