1. Money

Financing & Funding

Explore a variety of funding alternatives, including self-funding, angel funding, venture capital, grants, conventional loans, and special loan programs spsecifically for small businesses.

Your guide to SBA Loans.
A description of how to successfully apply for an SBA loan.

Getting a Business Line of Credit
Entrepreneurs frequently encounter difficulties managing their cash flow as a result of seasonal credit demands and time gaps between capital needs and revenue realization. Lines of credit accommodate the seasonal credit demands of your business along with ups and downs in your cash flow. They also enable you to purchase inventory in anticipation of future sales.

Small Businesses Find Alteratives to Banks to Fund Expansion
Traditional bank loans are getting harder to obtain for small businesses. Fortunately there are alternative sources of funding, from peer-to-peer lending exchanges to purchase order financing and other forms of debt that can fund a business's cash flow needs.

2009 Venture Technology Investment Outlook
January 2009. The world economic conditions have changed the investment and venture environment significantly. What are the trends you need to be aware of when seeking venture funding?

Strategies for Small Business Capital Raising
How small businesses decide what kind of financing to pursue: bootstrapping with credit cards, loans from friends and family, venture capital, angel financing or bank loans.

Startup Business Financing -- Finding Funding for Your New Small Business
We'd all love to have a few million dollars to start our business, but the reality is that for most entrepreneurs, you have to prove your concept first before anyone will put up that kind of money. But most businesses require some sort of initial capital for things like inventory, marketing, physical facilities, etc. If you don't have the money yourself that you need to open your doors for business, here are some options to explore.

SBA Microloan Participants
Find a participating SBA Microloan Lender in your area.

Equity Financing - Is It Right for Your Small Business?
There are a few different ways to raise funds for your startup. The traditional path is debt financing, which involves taking on a bank loan or private loan. A different approach is to seek equity financing by issuing stock in your company. In essence, this option allows you to sell shares of your company to investors, injecting your business with cash and leaving the investor with the chance to make a high return.

SBA Loan Information
Learn the factors that are considered for an SBA loan and the procedure for applying for an SBA Guaranteed Loan.

Debt Financing - Pros and Cons
Debt is borrowing money from an outside source with the promise to return the principal, in addition to an agreed-upon level of interest. Although the term tends to have a negative connotation, startup companies often turn to debt to finance their operations. In fact, even the healthiest of corporate balance sheets will include some level of debt. The most popular source for debt financing is the bank, but debt can also be issued by a private company or even a friend or family member.

Bootstrapping Your Start-Up
Venture Capital funding has largely dried up these days, and the fact is that despite dreams of angel investors, most business owners build their business with their own funds. There are a variety of techniques for self-financing explored here.

Before You Apply for a Business Loan
A bank or government agency (such as the U.S. Small Business Administration) are two common sources of funding for your startup venture. If you go that route, here’s a checklist of the things you’ll need to do and think about to prepare for the application process.

Angel Investing: Changing Strategies During Volatile Times
This working paper from the Center for Venture Research explores recent statistics of angel activity during the rapid run-up of venture investing and its post-bubble decline.

Private Lending: An Alternative Funding Source
It happens everyday. Well-prepared entrepreneurs are walking into the banks with brilliant business ideas with well developed business plans — and are walking out empty-handed. For individuals who do not want to give up a certain percentage ownership in the business as is often required by venture capitalist and deal with the angel investors who may demand a board position or significant day-to-day control, the private lender may be an alternative worth considering.

Raising Capital for Your Business When the Market for IPOs is Down
Alternatives to initial public offerings to finance small businesses.

CEOs Who Have Experience Raising Capital Prefer Angel Investors
A survey of CEOs reveals preferences of sources for raising capital, including angel investors, venture capital and friends and family sources.

Entrepreneurship & Innovation Will Suffer if Debt Isn't Brought Under Control
Experts on the federal budget offer an opinion on how the national debt will impact entrepreneurship.

What do Do When Your Small Business Loan Application Gets Stalled at the Bank
Advice from an alternative finance specialist on how to deal with banks that may not approve your business loan application.

Private Lending as Alternative Funding: Where Do Entrepreneurs Go When the Bank Says "No"?
It happens everyday. Well-prepared entrepreneurs are walking into the banks with brilliant business ideas with well developed business plans — and are walking out empty-handed. For individuals who do not want to give up a certain percentage ownership in the business as is often required by venture capitalist and deal with the angel investors who may demand a board position or significant day-to-day control, the private lender may be an alternative worth considering.

Startup America Partnership Makes Funds and Expertise Available to Entrepreneurs
The Obama Administration joined with major businesses to launch a partnership that will bring new funding and expertise to startups and entrepreneurs.

Finding Startup Money
Our Small Business: Canada Guide discusses the ins and outs of getting initial funding for your startup.

Building Business Credit
Bank loans and personal capital are common ways of securing funds or developing business credit in the early stages, but your vendors are another possibility, and can offer reasonable terms.

2004 Capital Strategy and U.S. Economic Trends
After three years of general recession in the U.S., and of investors wary of the stock market and private investment, the country has begun a slow and steady recovery. First signs appeared mid-2003, and have held their course into the first quarter of 2004. We can see this early recovery in the new movement of capital from corporate, venture and private sources.

Business Equipment Leasing
Building a business from scratch is expensive. If your start-up is particularly capital-intensive from the get-go, or could require frequent equipment upgrades down the road, you may want to consider leasing certain equipment.

Due Diligence Is No Mystery
When getting funded, the due diligence process can be excruciating for the business. But if you know what to expect, it will be far less painful. Venture capitalist Ziad Abdelnour of Blackhawk Partners recently sent the following letter out to his list explaining their due diligence process in more detail. While each investment group may have its own variations, this offers tremendous insight from an investor's perspective.

Presenting Small Business Financial Statements to a Lender
Business owners who present their financial statements to a lender will usually present a full set of financial statements to the lender. These include a recent balance sheet, a profit and loss statement, a statement of cash flows, and notes to the financial statements. The statements, prepared in accordance with generally accepted accounting...

Angel Investing: Changing Strategies During Volatile Times
This working paper from the Center for Venture Research explores recent statistics of angel activity during the rapid run-up of venture investing and its post-bubble decline.

Bootstrapping Your Start-Up
Venture Capital funding has largely dried up these days, and the fact is that despite dreams of angel investors, most business owners build their business with their own funds. There are a variety of techniques for self-financing explored here.

SBA Loan Information
Learn the factors that are considered for an SBA loan and the procedure for applying for an SBA Guaranteed Loan.

SBA Microloan Participants
Find a participating SBA Microloan Lender in your area.

Fundraising: An Overview
Fundraising tips for startups and small businesses.

Funding Success Stories from Square, Fab and Couchsurfing
Funding success stories from Fab, Square and Couchsurfing and what lessons more modest entrepreneurs can apply.

Intro to Crowdfunding
A guide to using crowdfunding to fund-raise for your business.

All About Microfinance
An introduction to microfinance for entrepreneurs.

What Entrepreneurs Need to Know About the JOBS Act
It used to be that investing in small business was confined to high net worth individuals who had accreditation as investors. With the JOBS Act in place, just about anyone with a few thousand dollars to invest can get into the game -- mean a lot more opportunity for small businesses.

Top Entrepreneurial Kickstarters of 2013
Here is a look at some of the biggest entrepreneurial Kickstarters this year and what lessons any entrepreneur can draw from them.

Bitcoin
Bitcoin is a new kind of currency that isn't regulated by any government. It's attracted a lot of attention by investors, law enforcement, and entrepreneurs.

How Crowdfunding Can Help Your Business Grow
Is crowdfunding changing the way entrepreneurs do business? This article shows you how to put crowdfunding to work for your business.

Smart Ways to Stretch Your Entrepreneurial Dollar
Financial sense is one of the hardest entrepreneurial skills to develop. So get your finances in order with these 5 core tips.

Mastering Cash Flow
Don't let your business run you -- find out how to master cash flow and make more profit.

Raise Your Prices (Without Losing Customers)
How can you raise prices and retain your customers? Ideas on how to time a price hike, enhance your underlying value proposition and increase your profits.

Fundraising for Startups: 5 Pitch Deck Essentials
A pitch deck is an essential instrument in fundraising for your startup. Here's a simple template for building your pitch deck and preparing to present to investors.

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