Plenty of successful people swear by goal setting. They're praising wrong behavior. Brain research tells us that goals don't matter--it's intention that gets us where we want to go.

Intentions and goals are not same. Goals tend to be arbitrary and number-oriented, such as number of pounds lost, amount of money earned, number of hours spent in gym, number of new clients introduced or new products developed. Intentions are big-picture statements about what fulfills you. It's a little harder to measure an intention, but results are more meaningful.

Let's say you want to lose 20 pounds. How will you feel when you do that? What will your life be like if you are 20 pounds lighter? Establishing an intention requires recognizing what will satisfy you.

You want to lose weight so that you will feel healthy, strong, fit, confident, attractive, and sexy. The number on scale isn't what matters most--it's how you feel each day.

Here's a weight loss goal: I will lose 20 pounds in five months.

Here's an intention: I feel strong, healthy, fit, confident, attractive and sexy.

The problem with typical goals is that we tend to get bogged down by our "even though" statements. We tell ourselves that we are going to lose 20 pounds EVEN THOUGH we failed last time, EVEN THOUGH we question our ability to do so, EVEN THOUGH we don't think we'll be able to maintain it. Our minds go directly to negative images and we sabotage our efforts before we even begin!

Here's a thought: Why not create an intention that will get your brain to work for you instead of against you?

Intentions allow us to picture ourselves--and how we'll feel--when we are successful. There's no room for failure in picture. We focus on positive and powerful feelings we'll have.

·Credit. Did you pay previous lenders back as contracted? ·Capacity: Can you afford to pay back this loan? ·Collateral: If you don’t pay back loan from what asset can lender recover their principal?

Step one is:

1.Identify your strength and weaknesses in '3 C’s'. Do this as would a lender – with a very critical eye. Identify your loan to value ratio and your debt service coverage ratio. If you have reason to believe that your credit is less than sterling, get a copy of your credit report including your credit score.

Each lender has different criteria with cost of loan being higher as your strength in '3 C’s' is lower. Step two is:

2.Identify lenders who lend to your level of borrower and to your industry type. Call lenders to get their criteria. Learn about SBA 504 program and 7A loan guarantees. Find who others in your industry have used for financing.

If there is a gap (not a canyon, just a gap) between your borrowing ability and lenders' criteria, a loan broker may be able to help. They spend their working hours finding second and third tier (more aggressive and more expensive) lenders and establishing relationships with them. They can act as a salesperson for your project in ways that you as a principal cannot. Step three: