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Tips: Types of Loans

Lease Equipment to Improve Cash Flow
Leasing equipment can free up cash. Equipment leases rarely require down payments, though you may have to set aside some cash for a refundable security deposit. By contrast, if you take out a loan

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to finance equipment, you will probably need to put down 25 percent or more.

Don't Overlook Home Equity Loans to Fund Your Business
If you own your own home and need to borrow money for your business, a home equity loan may be an option. As with any loan, there are risks, but home equity loans are unique in that if you default on your loan, you may lose both your home and your business.

Turn to the SBA for Disaster-Recovery Loans
Natural disasters can devastate a small business -- especially for those without adequate insurance coverage. But the Small Business Association (SBA) grants loans to businesses that have suffered tangible losses due to a natural disaster. The maximum limit on real estate damage is $200,000, and the amount you can borrow depends on the actual cost of repairing or replacing your property, less any money received from insurance companies, other reimbursements, or grants.

In addition, make sure to read these articles:

  • Leasing Equipment and IRS Section 179 Deductions
    • Certain kinds of leased equipment that is put into service before December 31, 2009 qualifies for the special IRS Section 179 deduction, though it must ......
  • New source of equipment financing.
    • Stopol Inc., Solon, Ohio, which sells and services new and used equipment and provides auction and liquidation management, appraisals, and merger/ acquisition consulting, has ......
  • Spa retailer gets statewide recognition ...
    • Spa retailer gets statewide recognition ... Alice Cunningham of Olympic Hot Tub Co., has been named Washington State Small Business Association's "Small-Business Person of the ......
  • Association sets record for small business loans
    • With almost two months remaining in its fiscal year, Small Business Association Louisiana has broken a 9-year-old record for the number of loans the agency ......
  • Before You Choose a Business Organization...
    • One of your critical early decisions about your new business is what form it will take for accounting, legal and tax purposes. Much has been ......
  • Connecting Cleveland.
    • [ILLUSTRATION OMITTED] Marsha Powers is a woman in love. As CEO of Powers Advertising and Marketing Inc. in the '90s, she saw the Web's potential....
  • Safety Vision, L.P. Sales Hit the Quarter-Billion...
    • HOUSTON -- Safety Vision, a global provider of mobile video solutions, announced today that sales since its 1993 inception have topped the quarter-billion dollar mark....
  • For repeat business, get personal.
    • A business should have ongoing customer service that is as routine as paying bills or ordering office supplies, according to Ron Consolino in his recent ......
  • FranNet.
    • FranNet has joined the U.S. Small Business Association and SCORE in partnering with Easi Media Inc. to distribute iEdition, a small-business resource guide to prospective ......
  • Small Business Association Presents 2001 Minority...
    • Cristina Lopez, owner of Cristi Cleaning Service Corporation, Union City, was recently named the U.S. Small Business Administration's (SBA) 2001 New Jersey Minority Small Business ......
  • A dismal outlook: survey reveals small businesses...
    • A recent study sponsored by the National Small Business Association revealed that small-business owners are in the midst of challenging times. The report shows ......
  • Chux Trux.
    • Chux Trux By Joe Escobar Charting a trail of success in the Kansas City area Back in the early 1800s, transportation was vastly different ......
  • NeuroLogica Named Winner of SBANE 2007 Innovation...
    • Company Cited as Region's Leading Innovator for their CereTom[R] Portable CT Scanner DANVERS, Mass. -- NeuroLogica Corporation, a neuroscience-based medical imaging company, today announced that ......
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Podcasts

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    • Hoovers.com's Tim Walker interviews Katie Ford, a small business expert, about how small businesses can secure a loan.
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    • Do you need to borrow money to buy a franchise? Tom Burke, head of Wells Fargo's SBA Lending Program, discusses how to secure financing.
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