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It can take time for a new business to earn revenue. And while it’s possible to get a startup business loan with no money, you’ll likely qualify for better rates and terms once your business’s finances are stronger. If you can’t afford to wait for a small-business loan, there are some financing options available for businesses without revenue.

If you’re wondering how to get a small-business loan, you’ll want to devote the necessary time to do your research and find the best fit. It can take months to receive funding, particularly for loans guaranteed by the U.S. Small Business Administration, which often involve a longer application process. Carefully exploring your business loan options can help ensure you apply for the right product, increase your chances of approval and avoid unnecessary delays or expenses. Here are six steps to apply and get a small-business loan.

The foundation of a healthy lifestyle consists of lasting habits like eating right, watching your weight, exercising regularly, managing your mental health, and getting routine medical exams. But even daily, small steps toward these goals also can have a significant impact. Here are some practices that can help support your ongoing health journey. While you might find it unrealistic to follow them all the time, try to include them in your daily life as much as possible.

Whether you’re a road warrior seeking adventure or you’re just looking for a way to get around town, there’s nothing quite like driving a motorcycle. As you would with a car, you’ll need insurance if you want to protect yourself, your passengers and your investment. And just as you’d shop around for auto insurance quotes, you’ll want to find the best insurance for your bike. Here’s NerdWallet’s guide to understanding motorcycle insurance.

Shopping for a personal loan doesn’t have to be complicated. Understanding how to get a personal loan — including where to start, what you need to apply and how to compare offers — can help you select the best personal loan. Below are seven steps to help you navigate how to get a personal loan.

You can get car insurance by shopping online, contacting companies directly or working with an agent or broker. There’s no shortage of ways to purchase car insurance. You can buy it online, call, or even find a local agent and apply in person. The way you choose to get car insurance depends on your specific insurance needs and the time you want to spend shopping for coverage. No matter which method you pick, the process of getting car insurance comes down to these five steps:

What is money management, exactly? It’s a plan for your money so you can make the most of it. This plan typically involves budgeting and saving money, avoiding or reducing debt and investing in your future. If learning how to manage your money sounds intimidating or stressful, take it one step at a time. Below are money management tips to help you gain control and, more importantly, peace of mind.

Car insurance is expensive, but taking these steps can lower your premiums.

For most people, insurance isn’t a very interesting topic. Still, it’s an important aspect of your financial (and ultimately, emotional) well-being, and owning the right policies can have a life-altering impact.  People are often tempted to forgo buying insurance. The premiums necessary to own these policies can be shockingly expensive, relative to one’s budget. That’s especially true when one thinks, “I’ll never even need that coverage.”  No one expects their house to burn down or to acquire a disability that prevents them from working. But it can and does happen.  There’s no single insurance policy that will cover all aspects of your life. So, if you want to prevent major financial hardships, you’ll need various kinds of coverage. Here are the seven most common types of insurance that every individual needs — or, at the very least, needs to consider.