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Small Business Funding Options

The availability of capital is crucial for small business startup, survival and growth. For entrepreneurs, getting a loan could mean the difference between success and failure, whether it’s used for renovation, purchasing equipment or working capital. Potential funding options for small businesses include the U.S. Small Business Administration loans, community banks and credit unions, microloans and alternative online lenders. Here is a look at some of the available options.

Small loans of less than $50k for entrepreneurs who are typically ineligible for traditional bank loans.

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Smaller banks are key allies to small businesses with similar services as big banks but with higher loan approval rates.

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The U.S. Small Business Administration’s (SBA) loan guarantee programs covers a variety of purposes, including start-ups, working capital, real estate, equipment and inventory.

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A new breed of online lenders are transforming financing options for small businesses.

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Entrepreneurs raise funds by creating an online campaign and reaching out to the “crowd.”

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Equity financing in which wealthy individuals invest their own money in startup ventures.

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Equity financing for early-stage, high-growth startups with funds pooled from institutional investors.

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  • No-interest loans (yes, they exist!)
  • A new development: crowdfunded, no-interest loans for small businesses.
  • Business plan competitions.
  • Cash awards to small businesses with stellar business plans.

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