The initial financial challenges of starting a small business are substantial and often unpredictable. In fact, 38% of small-business owners report that they underestimated how much it would cost to start their business.

When hidden costs arise, many turn to outside funding—according to findings from our new survey of over 700 business owners, one in three entrepreneurs report that having access to personal loans and business credit cards is what helped them start their business.

Unfortunately for some businesses, credit can be a serious barrier to meeting the financial challenges of starting a business. A whopping 43% of business owners say their score isn’t high enough to qualify for traditional small-business lending.

Not having access to additional funds when problems arise can be fatal to small business hopes and dreams, especially when you consider that only 32% of business owners have an emergency fund in case their business doesn’t generate revenue.