Business Finance

Learn about business financing options.

  • Need Business Capital? Advertise for Investors

    While equity crowdfunding is still in the future, company's needing capital now can begin to explore advertising as a means to reach potential investors.

  • SBA Increases Funding for SBIC's Early Stage Innovation and Social Impact Programs

    Finding investors and funding for start-ups and for social impact businesses can be difficult. However, the Small Business Administration's Small Business Investment Company's Early Innovation and Social Impact programs might be you answer.

  • Your Startup's Financing and Business Entity Choice

    A startup’s entity choice and financing options affect other aspects of the business, including its long-term fate. Familiarizing yourself with some differences among various entities should help when talking with your professional advisor about how to set up and finance your business.

  • Crowdfunding: A Rainbow of Opportunities ... With a Pot of Gold at the End?

    Crowdfunding involves many people contributing toward the funding of a specific project or goal. Because it involves small contributions from a large number of people, it provides a creative alternative to seeking large contributions from only a few sources. People contribute to crowdfunding campaigns for a variety of reasons, such as helping someone achieve a dream or complete a valuable and worthwhile endeavor. This "cash from the crowd" concept has been used to fund projects ranging from artwork to building renovations.

  • Choosing and Using Charge Cards for Alternative Financing

    Exploring the rise in using credit cards, instead of conventional loans, for financing small business ventures and providing tips on understanding the fine print of an issuer's terms and how to find the best deal for you.

  • Inside Advice on SBA Loan Guarantees

    Reviewing the ins and outs of the SBA guaranteed loan program and how to best take advantage of it.

  • How Do the Banks View Your Business?

    Interactive web-based tools can help you look at your loan application through the eyes of a banker.

  • Choosing Financing Sources for Your Business

    Financing options available to a small business vary based on the current life cycle of the company: startup, growing, mature, existing and aging.

  • Initial Public and Private Offerings

    If you're willing to open up ownership to the general public, an initial public offering (IPO) provides an attractive way to obtain capital without relinquishing any operational control over business activities. But as you'll find, this option isn't for everyone.

  • Export and Local Financing for Small Businesses

    If you're considering or engaged in exporting or international trade, the SBA and other sources can help you secure financing. And regardless of your exporting ambitions, don't forget to tap into state and local financing.

  • Section 504 Loan Program (CDCs)

    Section 504 loans are intended to help you avoid the large down payment and floating interest rates typically associated with the purchases of "brick and mortar" fixed assets. You'll want to fully understand the financial commitment necessary to obtain this loan.

  • Short-Term Financing

    In need of some short-term funding? Check out the SBA 's capital umbrella program CAPlines that offers asset-based lines of credit and revolving lines of credit to small businesses.

  • SBA Regular and Special 7(a) Loan Guarantees

    The SBA continues to administer its traditional Section 7(a) guarantee program, which includes a number of specialty loans. Due to their popularity, we've included the information you'll need to help secure your 7(a) loan.

  • SBA Loan Guarantees

    To encourage private lenders to provide funding to small businesses, the SBA will guarantee repayment of a substantial percentage of the loan amount if the borrower defaults on the loan. Find out your options, what business qualify, and which businesses aren't eligible for SBA-backed loans.

  • What Banks Look for When Reviewing a Loan Application

    Not all banks are created equal, but many of them focus on the same areas throughout the loan review process. Learn what documentation, projections and narratives you'll need to prepare as well as tips to ensure you negotiate the best loan package available.

  • Government Financing Programs

    When you need financing for your business, Uncle Sam might be just the man for the monetary job. Despite its uncertain future, the SBA still offers entrepreneurs important financing options.

  • Asset-Based Financing for Small Businesses

    To generate working capital or to meet specific short-term cash needs, you may use certain short-term assets, such as inventory or accounts receivable, as collateral for commercial loans. Personal assets, such as insurance policies, can also serve as a source of short-term financing.

  • The Real Cost of Borrowing Money

    Before signing on the dotted line of the loan papers, you'll want to consider a variety of other monetary and nonmonetary costs to help you determine the real cost of borrowing.

  • Personal and Insider Financing Options

    Before pursuing traditional debt and equity financing options, you may want to consider your own financing options, help from family and bootstrap funding methods.

  • Common Types of Bank Loans

    With myriad varieties of loans and financing options available from banks of all sizes, you'll need to know the which is option is best for you.

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