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New Small Business Financing

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Business Financing for Small Businesses

Believe it or not, there are lenders and investors who want to loan you money for your business. And with less business competition and more customers looking for solutions, now is a great time to start a business.

Whether you need money to purchase equipment, pay down debt, fund new projects or something else, America One Funding is a great resource for small business loans.

One opportunity for small businesses to obtain money is through a micro loan. Micro loans can provide start-ups with needed capital, and they can also be used by existing businesses to grow operations. Micro loans can sometimes provide solutions for entrepreneurs with poor credit, those without collateral and people who don't have a stable income or are unemployed.

Microfinancing can be easier to obtain than the traditional bank loan and can be used for a variety of purposes. However, borrowers may be required to go through business management training in order to qualify. If your business provides employment for others and/or improves the quality of life for those in low-income areas, you may also have a better chance of getting a micro loan.

The Small Business Administration (SBA) is a government organization helps small businesses unable to get loans through normal lending channels. (including special interest loans, micro-loans and secondary market programs) Business financing information. To find a non-profit lender in your area, go to www.microenterpriseworks.org.

Small Business Financing is Back!

Small business loans are getting harder to come by. Entrepreneurs are having to get creative and use alternative resources.

One of these loan resource is American One Funding. They offer multiple financing options for small businesses and entrepreneurs. They make it easier to obtain financing in an otherwise "finance-challenged" market. You can apply online, get a loan quickly and have money to start your business.

Another resource is Prosper Marketplace, which connects individual lenders with entrepreneurs to create a peer-to-peer marketplace, sometimes known as "crowdsourced funding". Loan amounts are generally smaller than traditional bank loans, but many small businesses don't need large amounts of money either.

Get more information on American One and Prosper Marketplace.

Where do I Find Venture Capital?

Venture Capital FundingFundingPost has matched thousands of capital-seeking entrepreneurs with venture capital investors. If you're looking for funding for your business idea or start-up and don't know where to go - here's a good place to start.

You can list your company and the capital that you are seeking on this highly active exchange website. FundingPost will then display your company's profile to thousands of potential angel investors and VCs.


On the site, angel Investors reveal exactly what they look for in a business venture, how you should go about raising capital and how to reach them. To find out more >> How to Raise Your First Million Dollars

SBA Financing

The Small Business Administration is a well-known government organization that helps small businesses which are unable to get loans through normal lending channels. Often they have ideas and resources that are able to help small business entrepreneurs find the the funding they need. (including special interest loans, micro-loans and secondary market programs) Business financing information

Find Out About Government Grants

Small Business GrantsBeware of the numerous "government grant" scams on the internet. Grants can be hard to come by, but there is money and financing available for small and start-up businesses.

New York Times Bestselling Author Matthew Lesko runs a website dedicated to helping people find available grant money - especially entrepreneurs. He lists 10 Free Government Programs that are available to help small businesses increase their sales. Get more information: Information on Government Grants for Small Businesses

Business.gov has a small business grant/loan/financing search tool on their website that you can use for free to help you find money to help finance your business.

If you need to find a grant writer to help you obtain a grant, Allied Grant Writers is a BBB Accredited Company that offers business grant writing, non profit grant writing and federal grant writing services. They also offer several other grant related services that can be useful in getting a grant for your business.

Small Business Financing with Credit Cards

It almost seems too easy - look in your own wallet for some business start-up money.

Although credit cards are known for charging a higher interest rate, some credit cards offer a 0% interest rate for an entire year - giving you a chance to get your business off the ground. You may also be able to negotiate with your current credit card company to give you a "balance transfer" check with 0% apr for a certain length of time - and a low transaction fee of 3%.

Compared to other loan options, sometimes credit card financing may be your best alternative. Here's an online search tool that's free to use - you can compare credit card offers and interest rates from several credit card companies - and apply right online. Free Business Credit Card Search Tool

See also: Creative Financing for Small Businesses

Small Business Financing Resources at Amazon

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This UpMarket page written by

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Sue Barrett is the Director of Business Solutions at Home Business Center, Inc. and Founder of The New Business Idea Blog. When she's not helping people... more »

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