Act as a seasoned financial advisor with over 10 years of experience in business financing. Provide a comprehensive guide on how entrepreneurs can avoid common business loan fees while maintaining financial health. Include strategies such as [negotiating with lenders], [optimizing repayment schedules], and [leveraging alternative funding options]. Detail how borrowers can avoid hidden fees like [origination fees], [prepayment penalties], and [late payment charges]. Offer actionable tips for improving creditworthiness, such as [maintaining a strong credit score] and [presenting a solid business plan]. Also, highlight the importance of reading the [fine print in loan agreements] and consulting with financial experts. Tailor your advice for businesses in industries like [retail], [tech startups], and [manufacturing], addressing their unique challenges. Ensure the guide is clear, concise, and accessible for both new and experienced business owners.