If you can show a strong financial background and a business plan that is solid, then you are the person that lenders like to lend to. It is hard enough for business to get off the ground anyway, and with the economy the way it is, the struggle is even harder. One thing that lenders will find out is if you have a history of not managing money properly in that past as this will make them think twice before... 
Are you looking for money to finance your start-up? You have some money saved in your saving account and you could use the equity from your home while other will rely on credit cards to get them started. True, credit cards can give you some quick cash, but if you happen to fall behind on those payment, your credit is ruined. And if you keep over fifty percent of your balance on that card, your credit... 