There are a lot of options for your business. There are non-bank lenders that provide unsecured loans up to $100K - there are other non-bank lenders that provide small amounts of capital from $500 to $50K - these are either non-profit organziations that help business owners who do not qualify for traditional bank loans or social lending networks where members borrow and lend to each other. There are also asset based lenders that can fund your organization based on your future credit card receipts, accounts receivables or purchase orders. There are also non-bank compaines that provide equipment loans and leases - normally any type of equipment used in business from machinery, tools, office equipment, etc. These are usually easier to get as they do not rely so much on credit scores. There are also commercial lenders that will fund business property or re-finance exsisting property. To find out more information on these products - please visit our website.

There are a lot of options for your business. There are non-bank lenders that provide unsecured loans up to $100K - there are other non-bank lenders that provide small amounts of capital from $500 to $50K - these are either non-profit organziations that help business owners who do not qualify for traditional bank loans or social lending networks where members borrow and lend to each other. There are also asset based lenders that can fund your organization based on your future credit card receipts, accounts receivables or purchase orders. There are also non-bank compaines that provide equipment loans and leases - normally any type of equipment used in business from machinery, tools, office equipment, etc. These are usually easier to get as they do not rely so much on credit scores. There are also commercial lenders that will fund business property or re-finance exsisting property. To find out more information on these products - please visit our website.

Banks look at two primary things. Your willingness to repay the debt (your personal credit score) and your ability to repay the debt (you current cash flow). If you put yourself in their place - either lending your own money or lending the money of your depositors - you would not just give money to everyone and hope to get repaid - you would also have high requirements. Also, the Government or any other organization just does not give out money to everyone - or everyone in this country would be in business for themselves. They usually have their mission they have to accomplish and will grant you capital if you can help them fulfill their mission. There are many other options for small businesses - if you know where to look. Our website is designed to help business owners find and access capital for their business. We provide information and resources only - these resources want to work with small businesses but they too have requirements - but usually not as high as traditioanl banks.

We are a small company for 12 years. Me and my husband we work together, onCoffeetech Trading Inc.,but now we can  grow a little more, because is very hard to collect money. We would like same help, to continuo with our business and gave work a 3 employes. Thank you for your attention. I am Portuguese but i became American Citizen 10 years ago . sorry if message is not really clear. Maria Filomena Tavares 

The Federal government does not provide grants to small businesses. Grants.gov provides information on federal grants available to non-profits, educational institutions, and state and local governments. Some federal grant programs are open to or-profit businesses, but these are usually very specialized, such as medical or agricultural research. Federal and state governments do guarantee low interest loans aimed for business owners who are having trouble getting loans through traditional channels. You can use the Loans and Grants search tool to find these. Message Edited by BobK on 04-30-2009 12:04 AM

Banks look at two primary things. Your willingness to repay the debt (your personal credit score) and your ability to repay the debt (you current cash flow). If you put yourself in their place - either lending your own money or lending the money of your depositors - you would not just give money to everyone and hope to get repaid - you would also have high requirements. Also, the Government or any other organization just does not give out money to everyone - or everyone in this country would be in business for themselves. They usually have their mission they have to accomplish and will grant you capital if you can help them fulfill their mission. There are many other options for small businesses - if you know where to look. Our website is designed to help business owners find and access capital for their business. We provide information and resources only - these resources want to work with small businesses but they too have requirements - but usually not as high as traditioanl banks.

We are a small company for 12 years. Me and my husband we work together, onCoffeetech Trading Inc.,but now we can  grow a little more, because is very hard to collect money. We would like same help, to continuo with our business and gave work a 3 employes. Thank you for your attention. I am Portuguese but i became American Citizen 10 years ago . sorry if message is not really clear. Maria Filomena Tavares 

The Federal government does not provide grants to small businesses. Grants.gov provides information on federal grants available to non-profits, educational institutions, and state and local governments. Some federal grant programs are open to or-profit businesses, but these are usually very specialized, such as medical or agricultural research. Federal and state governments do guarantee low interest loans aimed for business owners who are having trouble getting loans through traditional channels. You can use the Loans and Grants search tool to find these. Message Edited by BobK on 04-30-2009 12:04 AM