Whether you are starting out in business or a seasoned business veteran, eventually additional funding may be required for expansion, payroll, covering expenses or marketing services. Getting a business loan in Lubbock, Texas or anywhere these days is extremely difficult. Bank loans create debt and those debts affect cash flow. Getting a bank loan to cover short term expenses doesn’t make sense. Typically, if you’re lucky enough to get a small business loan, most banks will not give additional lines and more debt may hurt a company when trying to increase cash flow.