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Related Articles


How to Launch a New Business Successfully
How Much Do You Need to Start Your Small Business?
Common Start-Up Expenses of Small Businesses
When Resources Are Not Enough: What Do You Do?
How to Raise Money to Start a Business

Recommended Books


Financing the Small Business: A Complete Guide to Obtaining Bank Loans and All Other Types of Financing
Business Financing: 25 Keys to Raising Money
Guerrilla Financing: Alternative Techniques to Finance Any Small Business
Small Business Financing: How and Where to Get It
Finding Money: The Small Business Guide to Financing
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Questions on Financing a Business

Here are some of the questions on financing a business that our readers have sent us. Read our Guide's answers and learn from them. 

If you wish to share your own thoughts on these questions, please feel free to contact us and send in your responses. You may also send your own questions on any aspect of starting, managing and growing a home business through the submission form  

 

Tips on Financing and Getting Start Up Capital for Your Small or Home-Based Business

 

Investor's Money or Own Capital? 
I have been thinking of the right approach for my business. I am wondering if it is advisable that I start the business now using investor's money (I have nothing to give as capital), or would be it better to wait until I have enough money myself? Thanks, Adam (Orlando, Florida) Answer by Isabel Isidro

Accepting Payments for an Ecommerce Site: Paypal or Merchant Account? 
I am planning on starting an e-commerce small business. Do I need to get a merchant account now, or would Paypal alone be okay? I want to accept credit cards on my web site, but unsure whether I need to get a merchant account at this point. – Edgar (Akron, Ohio) Answer by Isabel Isidro

How To Get Government Grants for small Business  
I am I want to start a small business, but I have no money. I have been hearing about government giving money through grants. How can I get grant money to start a business? Are there resources on the Web where I can get this information for free? I tried to search for grant money on the Web and I all see are websites that want me to pay to get the information that I need. Thanks. Shirley (New Jersey)   Answer by Isabel Isidro

Obtaining Addtional Financing  
I am co-owner of a small print shop in Chicago. We've been in business for about two years now and are really close to becoming full time. There's one piece of equipment that would definitely push us over that edge and get us running full time but it isn't in our budget. We've talked to several equipment leasing companies who said that our business credit and past bankruptcies would not be a problem. Then they turn around and decline for a lack of business credit and past bankruptcies. We talk to a financial expert who said that for the amount we need ($16,000) we shouldn't have any troubles. So what now  Answer by Nach Maravilla

Financing a Start Up Business 
I am attempting to start a rent-to-own business. How can I go about obtaining financing to cover the purchasing of the product, upfront, until we start receiving our payments? - Shawn, MA 
Answer by Kathleen J Lauwagie, CPA

Stock Certificates of a New Company
I want to sell certificates in my new company on the Internet.  What is best way do to it and is it legal. ... -Thomas  Answer by Nach Maravilla

Buying a Business with No Credit and with very little money
We are trying to get funding for buying a Strip club, we have no credit and no large sums of money but have 19 years experience ... - Bob 
Answer by Nach Maravilla

Micro Lending  or Small Financing
I have a capital money to put up a microlending and small financing money, My problem is I have only few idea about this business - Noel (Philippines)  Answer by Nach Maravilla

Government Loans to Start a Business:
I don't have very good credit. What are my chances of getting a Small business loan? -- Jessica  Answer by Nach Maravilla

Finding Grants to Start a Business:
My best friend and I are both artists and plan to open an art gallery and school as soon as we can find a place to rent or lease ... 
Answer by Isabel Isidro

Getting Government Grants 
I've been told my ideas are wonderful and I should very easily qualify for a government grant but need a professional grant proposal writer ... - Nancy Answer by Nach Maravilla

Need Real Estate Business Financing
I have a real estate investment corporation. I need working capital, 95% will be used to purchase deeply discounted single family housing ...
Answer by Lisa Segal 

Attracting Investors for a Small Business
I would like to know how to find sponsors and donations for a daycare, which will only be open Saturday and Sunday from 2pm to 12am ... 
Answer by Lisa Segal

Getting a Small Business Loan from the Government
I am trying to start a business and I'm female I was wondering you could help direct me to some where I could find out about getting a small business loan through the government?
Answer by Tammy Harrison

Buying an Existing Business
My friend and I are interested in buying a business. How do we go about getting a loan to purchase these businesses?

Answer by Tammy Harrison  

Home Business Taxes 
By not having a home-based biz, I was probably missing out on about $200 per month, in tax benefits ... Dorothy Grupe Answer by Tammy Harrison  

 

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