Does my ETF portfolio effectively balance growth and income for long-term investing? As a beginner, I've selected VUG, IJR, VTV, SCHD, VNQ, and AGG with specific allocations. Will this mix achieve capital growth, dividend returns, and overall portfolio stability? Your expertise is appreciated.

I need a loan for my business start-up. But my credit score is not good. So is there any way to apply for a business loan with bad credit, or how would I just raise the chance of acceptance?