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In making loan requests, entrepreneurs tend to be confident that they will meet or exceed what they consider conservative financial projections. They then have trouble understanding when they receive a less than enthusiastic response. To complete the picture, however, we need...
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There comes a time in almost every small business owner's career when borrowing money becomes necessary. Often, funds are needed to purchase commercial real estate and quit leasing. Sometimes, it's growth and the need for expansion that fuels the drive for financing. Whatever...
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One of the reasons people don't start their own business, despite a desire to, is lack of capital or an uncertainty about being able to raise enough. Lack of enough capital is also a prime reason why many businesses fail. How much do you need? You don't have to be rich to...
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Yourself
You are the first and a necessary source of money. If your planned operation is modest enough, you may be able to supply all the capital yourself. (About 48 percent of small start-up businesses are funded by the owner.) But even if you can provide all the money,...
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While poor management is cited most frequently as the reason businesses fail, inadequate or ill-timed financing is a close second. Whether you're starting a business or expanding one, sufficient ready capital is essential. But it is not enough to simply have sufficient...
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There are two types of financing: equity and debt financing. When looking for money, you must consider your company's debt-to-equity ratio - the relation between dollars you've borrowed and dollars you've invested in your business. The more money owners have invested in their...
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