A new generation of innovative capital providers has ushered in a Golden Age of financing for small businesses. Today's entrepreneurs can select a finance provider, choose an application process that meets their needs, and specify a repayment schedule.

But dogs are welcome in the fine dining venue.

As the peak of the holiday season approaches, many small businesses will be seeking an injection of capital. This is a busy time for many business owners who need to account for an increase in sales.

This burden has left the U.S. female graduate with over $28,000 in student loan debt, according to The Institute for College Data and Statistics. Moreover, a new report from the Brookings Institution points out that this student debt average is quadruple the amount that it was just 12 years ago.

Many small business owners begin their search for capital by seeking out financing options. However, they might be skipping an important step: knowing their business' credit score.