{"id":18038,"date":"2021-06-29T04:04:36","date_gmt":"2021-06-29T11:04:36","guid":{"rendered":"https:\/\/financer.com\/?post_type=how_to&#038;p=18038"},"modified":"2024-06-05T08:23:02","modified_gmt":"2024-06-05T15:23:02","slug":"get-a-business-loan","status":"publish","type":"how_to","link":"https:\/\/financer.com\/loans\/articles\/get-a-business-loan\/","title":{"rendered":"How To Apply and Get a Business Loan"},"content":{"rendered":"\n<p>Securing a <a href=\"https:\/\/financer.com\/loans\/business-loans\/\">business loan<\/a> can be a game-changer for your company, providing the financial fuel needed to grow, expand, or seize new opportunities. Whether you&#8217;re looking to purchase equipment, increase inventory, hire additional staff, or even acquire another business, a well-timed infusion of capital can make all the difference.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/loans\/business-loans\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  >Best Business Loans<\/a><\/div>\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Quick Summary:<\/h3><ol>\n<li>\n<p>Define your loan purpose<\/p>\n<\/li>\n<li>\n<p>Assess your creditworthiness<\/p>\n<\/li>\n<li>\n<p>Craft a compelling business plan<\/p>\n<\/li>\n<li>\n<p>Gather key documents<\/p>\n<\/li>\n<li>\n<p>Research potential lenders<\/p>\n<\/li>\n<li>\n<p>Navigate the application process with confidence<\/p>\n<\/li>\n<li>Await Approval<\/li>\n<\/ol><\/div>\n\n\n<h2 class=\"wp-block-heading\">1. Define Your Loan Purpose: Why Do You Need the Money?<\/h2>\n\n\n\n<p>Before embarking on the journey to secure a business loan, it&#8217;s crucial to have a clear understanding of why you need the money and how it will be used. Lenders will want to know the specific purpose of the loan, as this helps them assess the risk and determine the likelihood of repayment. <\/p>\n\n\n\n<p>Some common reasons businesses seek loans include:<\/p>\n\n\n\n<ul>\n<li><strong>Purchasing equipment or machinery:<\/strong> If your business requires new or upgraded equipment to improve efficiency, increase production, or expand services, a loan can provide the necessary funds.<\/li>\n\n\n\n<li><strong>Increasing inventory:<\/strong> As your business grows, you may need to purchase additional inventory to meet customer demand. A loan can help you stock up on essential products and materials.<\/li>\n\n\n\n<li><strong>Hiring additional staff:<\/strong> Expanding your team can be a significant investment, but it&#8217;s often necessary to support business growth. A loan can cover the costs of recruiting, training, and onboarding new employees.<\/li>\n\n\n\n<li><strong>Acquiring another business:<\/strong> If you&#8217;re looking to expand through acquisition, a loan can provide the capital needed to purchase another company and integrate it into your operations.<\/li>\n\n\n\n<li><strong>Refinancing existing debt:<\/strong> In some cases, taking out a new loan with more favorable terms can help you pay off existing debt and improve your cash flow.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3>Interesting Fact:<\/h3><p>According to a survey conducted by the National Small Business Association, <strong>69% of small businesses used financing in the last 12 months<\/strong> to meet their capital needs, with the most common financing types being loans, lines of credit, and credit cards.<\/p><\/div>\n\n\n<p>When defining your loan purpose, be as specific as possible. Lenders appreciate a well-thought-out plan that demonstrates a clear understanding of how the funds will be used and how they will contribute to the success of your business. <\/p>\n\n\n\n<p>Consider creating a detailed breakdown of how the loan will be allocated, including specific amounts for each purpose.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3>Pro Tip:<\/h3><p>Before applying for a loan, take the time to carefully consider your business&#8217;s current financial situation and future goals. Ensure that taking on debt aligns with your long-term strategy and that you have a solid plan for repayment.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\">2. Know Your Numbers: Check Your Creditworthiness<\/h2>\n\n\n\n<p>Before applying for a business loan, it&#8217;s essential to have a clear understanding of your <a href=\"https:\/\/financer.com\/loans\/glossary\/creditworthiness\/\">creditworthiness<\/a>. Lenders will scrutinize your credit history and scores to determine the risk associated with lending to your business. Take the time to review your personal and business credit reports, looking for any errors or areas that need improvement.<\/p>\n\n\n\n<p>\ud83d\udca1<strong>Read More:<\/strong> <a href=\"https:\/\/financer.com\/how-to\/how-to-check-your-business-credit-score\/\">How to Check Your Business Credit Score<\/a><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>According to a study by the Federal Reserve, <strong>businesses with credit scores above 720 are more likely to be approved for loans and receive better interest rates<\/strong>.<\/p><\/div>\n\n\n<p>To check your personal credit score, you can request free reports from the three major credit bureaus: Equifax, Experian, and TransUnion. For your business credit score, you may need to purchase reports from companies like Dun &amp; Bradstreet, Experian Business, or Equifax Small Business.<\/p>\n\n\n\n<p>If your credit scores are lower than desired, take steps to improve them before applying for a loan. This may include:<\/p>\n\n\n\n<ul>\n<li><strong>Paying bills on time:<\/strong> Late payments can significantly impact your credit scores, so make sure to stay on top of your obligations.<\/li>\n\n\n\n<li><strong>Reducing debt:<\/strong> High debt levels can be a red flag for lenders. Work on paying down existing debt to improve your <a href=\"https:\/\/financer.com\/wiki\/what-is-debt-to-income-ratio\/\">debt-to-income ratio<\/a>.<\/li>\n\n\n\n<li><strong>Correcting errors:<\/strong> If you find mistakes on your credit reports, dispute them with the relevant credit bureau to have them removed.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3>Pro Tip:<\/h3><p>If you have a limited credit history or low scores, consider alternative financing options, such as secured loans, merchant cash advances, or invoice financing, which may have more lenient credit requirements.<\/p><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Compare loans from 79 lenders<\/h3><p>Find the cheapest rate with one click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"500\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360&\" data-slider-url=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360&\" data-required=\"results?query=1non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compare Offers<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\">3. Prepare a Compelling Business Plan<\/h2>\n\n\n\n<p>A well-crafted business plan is a crucial component of your loan application. It serves as a roadmap for your business, outlining your goals, strategies, and financial projections. Lenders will review your business plan to assess the viability of your venture and your ability to repay the loan.<\/p>\n\n\n\n<p>Your business plan should include the following key sections:<\/p>\n\n\n\n<ul>\n<li><strong>Executive summary:<\/strong> A concise overview of your business, including your mission, products or services, target market, and competitive advantage.<\/li>\n\n\n\n<li><strong>Company description:<\/strong> A detailed description of your business, including its history, legal structure, and management team.<\/li>\n\n\n\n<li><strong>Market analysis:<\/strong> An in-depth look at your industry, target market, and competitors, demonstrating your understanding of the market landscape.<\/li>\n\n\n\n<li><strong>Product or service line:<\/strong> A description of your offerings, including features, benefits, and pricing.<\/li>\n\n\n\n<li><strong>Marketing and sales strategy:<\/strong> An outline of how you plan to reach and acquire customers, including your marketing channels and sales tactics.<\/li>\n\n\n\n<li><strong>Financial projections:<\/strong> A detailed forecast of your revenue, expenses, and cash flow for the next three to five years, including assumptions and justifications.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>According to a survey by the National Small Business Association, <strong>31% of small businesses cited a lack of access to capital as their biggest challenge<\/strong>.<\/p><\/div>\n\n\n<p>When preparing your financial projections, be realistic and conservative in your estimates. Lenders will want to see that you have a solid understanding of your business&#8217;s financial needs and a plan for generating sufficient revenue to repay the loan.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Consider seeking the assistance of a professional, such as a business consultant or accountant, to review and refine your business plan before submitting it to lenders.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\">4. Get Your Financial House in Order: Gather Key Documents<\/h2>\n\n\n\n<p>In addition to your business plan, lenders will require a variety of financial documents to assess your business&#8217;s financial health and ability to repay the loan. <\/p>\n\n\n\n<p>According to a study by the <a href=\"https:\/\/www.newyorkfed.org\/\">Federal Reserve Bank of New York<\/a>, <strong>small businesses that had a better understanding of their financial health were more likely to receive approval for loans and lines of credit<\/strong>.<\/p>\n\n\n\n<p>Before applying, gather the following key documents:<\/p>\n\n\n\n<ul>\n<li><strong>Personal and business tax returns:<\/strong> Most lenders will require your personal and business tax returns for the past two to three years.<\/li>\n\n\n\n<li><strong>Financial statements:<\/strong> Prepare up-to-date financial statements, including balance sheets, income statements, and cash flow statements, for your business.<\/li>\n\n\n\n<li><strong>Bank statements:<\/strong> Provide personal and business bank statements for the past three to six months to demonstrate your financial management and cash flow.<\/li>\n\n\n\n<li><strong>Collateral documentation:<\/strong> If you&#8217;re applying for a secured loan, you&#8217;ll need to provide documentation for the assets you&#8217;re offering as collateral, such as property deeds, vehicle titles, or equipment invoices.<\/li>\n<\/ul>\n\n\n\n<p>Organizing your financial documents in advance can streamline the loan application process and demonstrate your professionalism and preparedness to lenders.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3>Tip:<\/h3><p>Consider using accounting software or working with a bookkeeper to ensure that your financial records are accurate, up-to-date, and easily accessible when needed.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\">5. Find Your Perfect Match: Research Potential Lenders<\/h2>\n\n\n\n<p>With your loan purpose defined, credit in check, business plan polished, and financial documents gathered, it&#8217;s time to find the right lender for your business. There are several types of lenders to consider, each with their own advantages and disadvantages:<\/p>\n\n\n\n<ul>\n<li><strong>Traditional banks:<\/strong> These institutions often offer the most competitive interest rates and loan terms but may have stricter qualification requirements and longer application processes.<\/li>\n\n\n\n<li><strong>Credit unions:<\/strong> Like banks, <a href=\"https:\/\/financer.com\/loans\/credit-union-loans\/\">credit unions<\/a> can provide favorable loan terms, but they may have membership requirements and limited geographic reach.<\/li>\n\n\n\n<li><strong>Online lenders:<\/strong> These digital platforms often have more lenient qualification criteria and faster application processes but may charge higher interest rates.<\/li>\n\n\n\n<li><strong>SBA lenders:<\/strong> Lenders participating in <a href=\"https:\/\/www.sba.gov\/\">Small Business Administration<\/a> (SBA) loan programs offer government-backed loans with competitive terms, but the application process can be lengthy and requires extensive documentation. <a href=\"https:\/\/financer.com\/wiki\/sba-loans\/\">Click here<\/a> to learn more about applying for an SBA Loan.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/loans\/business-loans\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  >Compare Business Loans<\/a><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3>Interesting Fact:<\/h3><p>According to a survey by the Federal Reserve, <strong>small banks approved 60% of business loan applications, while large banks approved only 27%<\/strong>.<\/p><\/div>\n\n\n<p>When researching potential lenders, consider factors such as:<\/p>\n\n\n\n<ul>\n<li><strong>Loan products:<\/strong> Ensure that the lender offers the type of loan you need, such as term loans, <a href=\"https:\/\/financer.com\/loans\/glossary\/credit-line\/\">lines of credit<\/a>, or SBA loans.<\/li>\n\n\n\n<li><strong>Interest rates and fees:<\/strong> Compare the <a href=\"https:\/\/financer.com\/wiki\/what-is-apr\/\">annual percentage rates<\/a> (APRs) and fees charged by different lenders to find the most cost-effective option.<\/li>\n\n\n\n<li><strong>Loan terms:<\/strong> Look for lenders that offer repayment terms that align with your business&#8217;s cash flow and growth plans.<\/li>\n\n\n\n<li><strong>Qualification requirements:<\/strong> Assess each lender&#8217;s minimum credit score, annual revenue, and time in business requirements to determine your likelihood of approval.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3>Pro Tip:<\/h3><p>Don&#8217;t be afraid to shop around and compare offers from multiple lenders. Even small differences in interest rates and fees can have a significant impact on the total cost of your loan over time.<\/p><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>How to save <span class=\"compare-amount\">$619.00 <\/span> on your loan<\/h3>\n\t\t\t\t<p>The price difference for a $500.00 loan in 90 days is $619.00.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.com\/results\/?query=1&filter_non_affiliate=1&param_amount=500&param_period=90\" class=\"button is-normal is-primary is-rounded\">Find out how<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\">6. Apply with Confidence: Complete the Loan Application<\/h2>\n\n\n\n<p>Once you&#8217;ve identified potential lenders, it&#8217;s time to submit your loan applications. Each lender will have its own application process and requirements, but most will ask for similar information, including:<\/p>\n\n\n\n<ul>\n<li><strong>Personal and business information:<\/strong> Provide details about your business, such as its legal structure, ownership, and contact information, as well as personal information for all owners with a significant stake in the company.<\/li>\n\n\n\n<li><strong>Loan details:<\/strong> Specify the amount you&#8217;re seeking, the purpose of the loan, and your preferred repayment terms.<\/li>\n\n\n\n<li><strong>Business plan:<\/strong> Include your comprehensive business plan, which outlines your company&#8217;s goals, strategies, and financial projections.<\/li>\n\n\n\n<li><strong>Financial documents:<\/strong> Submit the financial documents you gathered earlier, such as tax returns, financial statements, and bank statements.<\/li>\n\n\n\n<li><strong>Collateral information:<\/strong> If you&#8217;re applying for a secured loan, provide details about the assets you&#8217;re offering as collateral, including their value and ownership.<\/li>\n<\/ul>\n\n\n\n<p><strong>Interesting Fact:<\/strong> According to a study by the National Small Business Association, <strong>the average small business spends 24 hours researching and applying for loans<\/strong>.<\/p>\n\n\n\n<p>When completing your loan application, be thorough and accurate in your responses. Inconsistencies or missing information can delay the application process or even result in denial.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3>Tip:<\/h3><p>Before submitting your application, review it carefully for errors or omissions. Consider having a trusted advisor, such as a business mentor or accountant, review your application to ensure it presents your business in the best possible light.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\">7. Submit Your Application and Await Approval<\/h2>\n\n\n\n<p>After submitting your loan application, the waiting game begins. Lenders will review your application and supporting documents to assess your creditworthiness and the viability of your business. This process can take anywhere from a few days to several weeks, depending on the lender and the complexity of your application.<\/p>\n\n\n\n<p>During this time, lenders may request additional information or documentation to support your application. Respond promptly to these requests to keep the process moving forward.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3>Interesting Fact:<\/h3><p>According to a survey by the Federal Reserve Bank of New York, <strong>the median wait time for a small business loan decision was four business days<\/strong>.<\/p><\/div>\n\n\n<p>If your loan is approved, review the loan agreement carefully before signing. Pay close attention to the <a href=\"https:\/\/financer.com\/loans\/glossary\/interest\/\">interest rate<\/a>, repayment terms, and any fees associated with the loan. If you have questions or concerns, don&#8217;t hesitate to ask the lender for clarification.<\/p>\n\n\n\n<p>If your loan is denied, don&#8217;t be discouraged. Many successful businesses have faced rejection at some point. Ask the lender for feedback on why your application was denied and use this information to improve your creditworthiness and application for future attempts.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3>Tip:<\/h3><p>While waiting for a loan decision, continue to operate your business as usual. Demonstrating consistent revenue and cash flow can strengthen your application and increase your chances of approval.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>What is a business loan?<\/h4><div class=\"faq_inner\"><p>A business loan is a sum of money borrowed by a business to use for various purposes, such as starting a new venture, expanding an existing business, or covering operational costs. The borrower must repay the loan amount plus interest over a specified period.<\/p><\/div><h4>What types of business loans are available?<\/h4><div class=\"faq_inner\"><p>There are several types of business loans, including:<\/p>\n<ul>\n<li><strong>Term Loans<\/strong>: Lump sum amounts that are repaid over a fixed period.<\/li>\n<li><strong>SBA Loans<\/strong>: Loans partially guaranteed by the Small Business Administration.<\/li>\n<li><strong>Business Lines of Credit<\/strong>: Flexible loans that allow you to withdraw funds as needed up to a certain limit.<\/li>\n<li><strong>Invoice Financing<\/strong>: Loans based on outstanding invoices.<\/li>\n<li><strong>Equipment Financing<\/strong>: Loans specifically for purchasing business equipment.<\/li>\n<li><strong>Merchant Cash Advances<\/strong>: Loans repaid through a percentage of daily credit card sales.<\/li>\n<\/ul><\/div><h4>How do I determine the right type of loan for my business?<\/h4><div class=\"faq_inner\"><p>The right type of loan depends on your business needs, financial situation, and repayment ability. Consider factors like loan amount, interest rates, repayment terms, and the purpose of the loan. Consulting with a financial advisor can also help.<\/p><\/div><h4>What are the basic requirements to apply for a business loan?<\/h4><div class=\"faq_inner\"><p>Basic requirements typically include:<\/p>\n<ul>\n<li>A solid business plan<\/li>\n<li>Good personal and business credit scores<\/li>\n<li>Financial statements (e.g., income statement, balance sheet)<\/li>\n<li>Tax returns<\/li>\n<li>Legal documents (e.g., business licenses, articles of incorporation)<\/li>\n<\/ul><\/div><h4>How can I improve my chances of getting approved for a business loan?<\/h4><div class=\"faq_inner\"><p>To improve your chances:<\/p>\n<ul>\n<li>Maintain a strong credit score.<\/li>\n<li>Prepare a comprehensive business plan.<\/li>\n<li>Ensure accurate and up-to-date financial records.<\/li>\n<li>Demonstrate a clear plan for how the loan will be used and repaid.<\/li>\n<li>Consider collateral to secure the loan.<\/li>\n<\/ul><\/div><h4>How long does it take to get approved for a business loan?<\/h4><div class=\"faq_inner\"><p>The approval time varies depending on the lender and type of loan. It can take anywhere from a few days to several weeks. SBA loans and traditional bank loans typically take longer, while online lenders might offer quicker approval.<\/p><\/div><h4>What interest rates can I expect for a business loan?<\/h4><div class=\"faq_inner\"><p>Interest rates vary based on the type of loan, the lender, your creditworthiness, and current market conditions. They can range from 4% to 20% or higher. It&#8217;s important to compare rates from different lenders.<\/p><\/div><h4>Can I get a business loan with bad credit?<\/h4><div class=\"faq_inner\"><p>It\u2019s possible to get a business loan with bad credit, but it might come with higher interest rates and stricter terms. Some lenders specialize in bad credit loans, and securing collateral or a co-signer can also help<\/p><\/div><h4>What should I do if my business loan application is denied?<\/h4><div class=\"faq_inner\"><p>If your application is denied:<\/p>\n<ul>\n<li><strong>Ask for feedback<\/strong> from the lender to understand the reasons.<\/li>\n<li><strong>Review and improve<\/strong> your credit score and financial documents.<\/li>\n<li><strong>Consider alternative financing<\/strong> options such as microloans, peer-to-peer lending, or crowdfunding.<\/li>\n<li><strong>Reapply<\/strong> once you have addressed the issues.<\/li>\n<\/ul><\/div><\/div>","protected":false},"author":37432,"featured_media":18229,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1076],"_links":{"self":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/how_to\/18038"}],"collection":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/how_to"}],"about":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/types\/how_to"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/users\/37432"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/comments?post=18038"}],"version-history":[{"count":34,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/how_to\/18038\/revisions"}],"predecessor-version":[{"id":78590,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/how_to\/18038\/revisions\/78590"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media\/18229"}],"wp:attachment":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media?parent=18038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/categories?post=18038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}