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Small Business Loans, TD Canada Trust, loan for business.#Loan #for #business


Small Business Loan

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Or, to begin an application, call our Small Business Advice Centre at 1-866-222-3456

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Small Business Loans

Loan for business

Available Fixed or Floating Interest Rates for Small Business Loans

Flexible Business Loan Payment Options

A Business Loan 1 can help you purchase or upgrade business assets, or help with your expansion plans. The choice is yours.

Secured or unsecured options

  • Available as an unsecured loan 2 in amounts from $10,000 to $50,000
  • Also available as an asset secured loan in amounts from $10,000 to $1,250,000. Flexible security options 3 include:
    • Business real estate
    • Residential real estate (full or partial)
    • Liquid or margin security (full or partial)
    • Business assets

Flexible payment options

  • Choice of 1 to 5 year fixed-rate terms
  • Amortization up to 20 years, based upon the useful life of the asset financed

Fixed or floating interest rates available

  • Floating interest rate options based on TD Prime Rate with no prepayment penalties.
  • Fixed interest rate options available with the flexibility to make 10% principal prepayments annually without penalty.
  • No review fees.
  • Set-up fees may apply.

Protection for your Business Loan

Business Credit Life Insurance can help meet the financial obligations of your business should a person who is key to the success of your business die or suffer a covered accident. Get the coverage your business needs.

Multi-unit property mortgages

We can help you build a customized mortgage for multi-unit residential properties (5+ units).

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1 Subject to complying with TD Canada Trust lending policies and criteria including confirmation of good personal credit history. Certain business documentation is required. Other conditions may apply. Set-up fees may apply. Personal guarantee(s) may be required.

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Government Grants for Small Businesses – Incentives SA, government grants for small

Government Grants for Small Businesses

Government Grants, Incentives and funding for business

Incentives SA offers advice and information on a variety of grants available through the DTI in all sectors including SMME’s and Business funding. Government grants for small business .

Grants are available for small business funding, medium sized businesses and large companies with turnovers exceeding R35 million per year.

The Department of Trade and Industry offers a range of incentives and grants to suit your business requirements.

Small, Micro- and Medium-sized Enterprises (SMME) Development Incentives

BBSDP is a cost-sharing grant offered to small black-owned enterprises to assist them in improving their competitiveness and sustainability in order to become part of the mainstream economy and create employment. BBSDP provides a grant to a maximum of R1 000 000 (R800 000 maximum for tools, machinery and equipment and R200 000 maximum for eligible enterprises to improve their corporate governance, management, marketing, productivity and use of modern technology).

The Co-operative Incentive Scheme (CIS) is a 90:10 matching cash grant for registered primary co-operatives (a primary co-operative consists of five or more members who are historically disadvantaged individuals). The CIS is an incentive for co-operative enterprises in the emerging economy to acquire competitive business development services, and the maximum grant that can be offered to one co-operative entity under the scheme is R350 000.

The DTI initiated the ISP as a grant to develop incubators into successful enterprises with the potential to revitalise communities and strengthen local and national economies. The ISP encourages partnerships whereby big businesses assists SMMEs with skills transfer, enterprise development, supplier development and marketing opportunities.

THRIP is a partnership programme funded byВ the dtiВ and managed by the National Research Foundation (NRF). On a cost-sharing basis with the industry, THRIP supports science, engineering and technology research collaborations focused on addressing the technology needs of participating firms and encouraging the development and mobility of research personnel and students among participating organisations.

Industrial Development-Related Incentives

The Manufacturing Competitiveness Enhancement Programme (MCEP) is one of the key action programmes of the Industrial Policy Action Plan (IPAP) 2012/13 – 2014/15. It will provide enhanced manufacturing support aimed at encouraging manufacturers to upgrade their production facilities in a manner that sustains employment and maximises value-addition in the short to medium term. The MCEP comprises two sub-programmes: the Production Incentive (PI) and the Industrial Financing Loan Facilities which will be managed by the dti and the Industrial Development Corporation respectively.

Manufacturing Investment Programme (MIP)

The MIP is a reimbursable cash grant for local and foreign-owned manufacturers that wish to establish a new production facility; expand an existing production facility; or upgrade an existing facility in the clothing and textiles sector.

As part of the Government’s strategy to consolidate small-enterprise support activities since April 2006, the activities of the Godisa Trust, the National Technology Transfer Centre (NTTC), the three business incubators of the dti, the Technology Advisory Centre (TAC), the technology-transfer activities of the Technology for Women in Business (TWIB) programme and the support programmes for small enterprises of the South African Quality Institute were merged into a single programme – the seda Technology Programme (STP).

The SPII is a support programme ofВ the dti, managed by the Industrial Development Corporation (IDC). The SPII is designed to promote technology development in industry in South Africa through the provision of financial assistance for the development of innovative products and/or processes. The SPII specifically focuses on the development phase, which begins at the conclusion of basic research and ends when a pre-production prototype has been produced.

The SSAS is a reimbursable 80:20 cost-sharing grant offering financial support to export councils, joint action groups and industry associations. The scheme comprises two sub-programmes, namely Generic Funding and Project Funding for Emerging Exporters (PFEE). The aim of the SSAS is aligned to the dti’s overall objectives in several respects, as indicated below.

Under the PI, applicants can use the full benefit as either an upgrade grant facility or an interest subsidy facility, or a combination of both. Eligible enterprises include clothing manufacturers, textile manufacturers, Cut, Make and Trim (CMT) operators, Footwear manufacturers, Leather goods manufacturers, and Leather processors (specifically for leather goods and footwear industries).

The FIG compensates qualifying foreign investors for costs incurred in moving qualifying new machinery and equipment (vehicles excluded) from abroad to the Republic of South Africa.

The CTCIP aims to build capacity among clothing and textile manufacturers and in other areas of the apparel value chain in South Africa to enable them to effectively supply their customers and compete on a global scale. Such competitiveness encompasses issues of cost, quality, flexibility, reliability, adaptability and the capabilityВ to innovate.

The CPFP is a cost-sharing programme that contributes to the cost of feasibility studies likely to lead to projects outside South Africa that will increase local exports and stimulate the market for South African capital goods and services.

The South African Government implemented a Business Process Outsourcing and Offshoring (BPO O) incentive programme as from July 2007. Between July 2007 and March 2010, the incentive resulted in the creation of at least 6 000 new jobs and attracted R303 million in direct investment. As part of a process of improving South Africa’s position as an investment destination, a systematic review of the BPO O incentive programme was undertaken with the private sector, resulting in a revised BPS incentive

Trade, Export and Investment Incentives

The dti assists South African exporters by organising National Pavilions to showcase local products at international trade exhibitions. The EMIA scheme bears costs for space rental, the construction and maintenance of stands, electricity and water charges, as well as freight charges, up to a maximum of three cubic metres or two tonnes per exhibitor. Also included are assistance withВ International Trade Exhibitions, Group Outward-Selling Missions and Group Outward-Investment Missions

The CIP is a cost-sharing cash grant for projects designed to improve critical infrastructure in South Africa. The grant covers qualifying development costs from a minimum of 10% to a maximum of 30% towards the total development costs of qualifying infrastructure. It is made available to approved Eligible Enterprise upon the completion of the infrastructure project concerned. Infrastructure for which funds are required is deemed to be ‘critical’: if the investment would not take place without the said infrastructure or the said investment would not operate optimally.

The South African Government offers a package of incentives to promote its film production and post¬production industry, which includes the Foreign Film and Television Production and Post-Production Incentive and the South African Film and Television Production and Co-Production Incentive.  The Foreign Film and Television Production and Post-Production Incentive aims to attract foreign-based film productions to shoot on location in South Africa and conduct post-production activities in the country. The South African Film and Television Production and Co-Production incentive aims to assist local film producers in the production of local content.

The AIS is an incentive designed to grow and develop the automotive sector through investment in new and/or replacement models and components that will increase plant production volumes, sustain employment and/or strengthen the automotive value chain. Eligible Enterprises include Light motor vehicle manufacturers that have achieved or can demonstrate that they will achieve a minimum of 50 000 annual units of production per plant, within a period of three years; or Component or deemed component manufacturers that are part of the Original Equipment Manufacturer (OEM) supply chain and will achieve at least 25% of a total entity turnover of R10 million by the end of the first full year of commercial production as part of a light motor vehicle manufacturer supply chain, locally and/or internationally.



British Small Business Grants, Helping small businesses grow, grants for business.#Grants #for

A monthly cash competition for the UK’s brightest small business stars

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About the grant

As the leading advice website in the small business space, SmallBusiness.co.uk receives many requests every month from would-be entrepreneurs and existing company owners asking what financial assistance is available to help them, start, run, grow and succeed.

Whether you are running a cafe, operating a business from home, or perhaps managing a franchise, you will need funds to establish and grow your company. Depending on the type of business, this requirement may vary from a few hundred pounds to multiple thousands.

While some companies may be able to get away with minimal investment in equipment, staff and marketing, others will be faced with significant expenditures that are key to establishing their company.

The Small Business Grants initiative will help small businesses in this area, offering monthly financial assistance to maximise their chance of success.

Every month, one business deemed by our panel of judges to be the most deserving will benefit from a £5,000 financial grant, as well as being featured on SmallBusiness.co.uk as a monthly winner.

We look forward to receiving your applications for this exciting initiative. Good luck!



Canadian Business – Your Source For Business News – Your source for

Canada’s Richest People 2018: The Top 25 Richest Canadians

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How Equitable Bank reshaped its culture for a future of mobile-first finance

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For the Running Room, the shift to digital retail is a marathon, not a sprint

John Stanton wanted to make exercise less intimidating. Now, customer-friendly stores are the Running Room’s biggest advantage in a digital world

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Chase Offers $150, 000 In Small Business Grants, small business grants for

Chase Offers $150,000 In Small Business Grants

Grow your small business with a grant and marketing guidance from Chase and Google

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Chase continues its ongoing commitment to to provide $3 million to local small businesses through its Mission Main Street Grants, a program that will award 20 grants of $150,000 to small businesses nationwide this year. Qualifying businesses will gain access to a marketing Toolkit from Google, a program sponsor.

The chosen 20 grant winners will receive a trip to Google for an exclusive small business marketing workshop, a Google Chromebook Laptop computer and a $2,000 coupon toward one market research study with Google Consumer Surveys (Opens Overlay).

Last year Samuel Gilmore was the recipient of a $200,000 Mission Main Street grant. It was 25 years ago that the former Air Force pilot founded Overnight Success Inc., a construction and supply company, in response to the high unemployment rate among African Americans in his hometown of Miami..Launched in 2012, the program has received $3 million from Chase and Google to help 20 small businesses in 2015.

The former flier of B-52 bombers took $17,000 from his savings to jump-start the business. His first projects consisted of simple jobs such as drywall painting and putting up concrete blocks. But his company went on to win contract bids on major construction projects such as the Miami International Airport, American Airlines Arena, and other commercial developments in the Miami area, and in 2013 Overnight Success grossed $1.4 million in revenues last year. “My contracting firm has hired more than 500 people, paying these workers $15 million in payroll,” says Gilmore, the company’s president and CE

Entrepreneurs from across the country applied in 2014 for the chance to win a Mission Main Street grant and a trip to Google headquarters. After completing the five-question application, entrants had to use social media to get at least 250 votes for their business in order to move up to the next round—in which they could be selected as a grant recipient by a panel of judges.

“The Internet has proven to be a vital pipeline for small businesses, and it continues to connect more businesses to their customers every day,” Jon Kaplan, Google s vice president of U.S. sales and operations, said in a statement

Out of nearly 35,000 applicants, Overnight Success made the cut and was selected as one of 12 small businesses to receive a $250,000 grant. Gilmore used the grant money to buy equipment to compete for contracts such as the Miami-Dade Water and Sewer Department’s $4.5 billion expansion project. With additional funds to help provide more employment opportunities in his community, Gilmore says winning the grant has allowed him to reassess the direction of his company and to evaluate the jobs that have benefited it the most.

In the beginning stages of a small business, Gilmore says, it’s easy for companies to get stuck on a treadmill, taking on jobs that may not always be the most beneficial, because of the need for steady cash flow. But with the help of the Mission Main Street Grants program, Overnight Success can now be more selective about the jobs it takes on.

In this year s contest, the grants are smaller but going to more businesses, 20 versus 12. The winners will be announced early in the year.

The Mission Main Street Grant is among the various corporate-sponsored entrepreneurship programs and non-traditional sources of capital that will be discussed at the 2015 Black Enterprise Entrepreneurs Summit (May 13–16 at the Hyatt Regency in Atlanta), which marks its 20th year assisting startup and established entrepreneurs. The summit is a pivotal venue for small business owners to broker deals with key stakeholders, and to participate in sessions that cover topics such as accessing capital, accelerating tech startups, winning corporate and government contracts, and making value-added industry peer connections.



Alabama Small Business Development Center Network, Alabama SBDC Network, small business grants

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Start Your Business

Small business grants for womenOur business advisors can help you to explore the possibilities, and help you to decide whether to embark on this new venture.

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Small business grants for womenLocal events hosted by ASBDC small business experts can help you learn quickly to get your business on the road to success.

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Small business grants for women



Business Loans – Apply for a Business Loan Today, loans for business.#Loans

Business Loans

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A business loan can help you realize your aspirations for your company. Whatever the size of your business, whether you are just starting or you need a cash injection to expand, you might require the extra support of a loan. However, if you are considering a business loan make sure that it is something your business can afford. It is worth comparing as many different business loan offers as possible to ensure that you get the best deal possible. This loan could be the make or break of your business. Work out all of your costs carefully and make sure you are confident that you will be able to make payments on time. Generally speaking the two main types of business loans are either secured or unsecured. It pays to do your research and shop around because you are more likely to find a better deal than just accepting the first loan that you come across. We provide the details for loan suppliers who offer some of the best interest rates in South Africa.

If you wish to speak to someone: Contact Us

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Whether you are just starting up or are already an established business, a business loan can help you reach your goals.

These types of loans are taken out for people looking for financing for their business. Often getting the right finance is critical to the success of any business.

Business loans can help you realise your current and future aspirations.

Whatever the size or type of your business you can find a wide range of loans that can suit your corporate requirements. There are lenders that specialize in finding both short term and long term financial solutions for business owners, regardless of their personal credit history.

Be prepared to be required to submit a business plan when applying for a loan to provide information to the lenders on the performance and future plans for your business.

What can a Business Loan be used for?

Most business loans are taken are in order to expand a business’s earning potential in some way. Business loans are particularly helpful for companies looking to get started. Business loans give businesses instant access to money allowing companies to expand their potential profitability.

Business loans are used for a range of purposes. It could be that you are looking for new offices or space for your business, you want to purchase business insurance or you need to buy necessary equipment, employ more staff or for promotion for your company.

Finding the right loan for you and your business

Whatever your needs it is important that you choose the right business loan to ensure you get the best deal. Make sure you find the lender that offers the most competitive interest rates and a range of loan terms to suit your requirements. Choose a company that understand your specific needs.

The amount you can borrow will depend on your business and each lender will have its own criteria. The exact amount you can borrow is usually based on the size or type of your business but could also be determined by what you need the money for.

Watch out for any hidden or upfront fees that might be attached to the loan and always read the terms and conditions thoroughly.

Business loans can have many flexible aspects so take your time and compare the different loan offers. Use the table above to compare different lenders.

How to compare business loans quickly and easily

Searching for a loan that is suitable for you can be a challenging task. That is why our comparison grid will come in helpful so you are able to make an informed decision your you and your company. You are quickly able to compare information such as the provider, representative APR, total amount payable, product and terms and conditions.

Remember, every time you are refused an application for a loan it could have an effect on your credit rating. Only apply for a loan you are confident you will be accepted for.



Business Loans Adelaide, Finance Brokers Adelaide, Commercial Loans, loans for starting a

The right business loans allow your business to soar in Adelaide

Business loans are an essential key to making your business flourish in Adelaide. Whether you’re a start up or existing business, the right loan will put you on the road to success. When acquiring and developing a business, help from professional finance brokers is essential. At Coscia Finance we can assist with all facets of your business’s operations. Whether it’s purchasing commercial property, expanding your business or cash-flow funding, we can help you find business loans to facilitate the process in Adelaide.

Our finance brokers make the loan application process simple in Adelaide

The procedure of obtaining a business loan can be quite daunting for business owners unfamiliar with the process. With different lenders offering different loan options, it can become confusing. Rather than taking the steps alone, allow our finance brokers in Adelaide to be with you every step of the way. We equip you with the right information and documentation, making the process much easier. With our help, you will be confident in your business loan choice.

Our finance brokers liaise closely with business owners to ensure they understand their business goals. Often we ask to see a business plan, as well as personal and business financial statements. Information regarding collateral is also sometimes required if the loan is secured.

Once we’re equipped with a business’s relevant information, we help you prepare a business profile. A business profile provides lenders with relevant information about your business, including information regarding the company’s annual sales, a profit and loss statement, details about recent ownership, the type of business, number of employees etc.

Our finance brokers make the loan application process simple in Adelaide

Coscia Finance deals with more than 25 different lenders to find you the best business loan. Currently, secured loans are the most common form of funding, however, specific financing differs from lender to lender. Below we have outlined the most common financing options available.

• Start up financing

• Business growth financing

• Debtor/ inventory financing

• Motor vehicle financing

• Equipment and plant/ tool financing

• Business property financing

If you are starting up a new business, or alternatively want to grow your existing business, talk to our professional finance brokers at Coscia Finance in Adelaide. We are committed to helping your business and securing business loans that put you on the path to success in Adelaide.



8 Great Sources of Financing for Women Starting a Business – Next

8 Great Sources of Financing for Women Starting a Business

Loans for starting a business

Four years ago, Linda Waitkus quit her job as store manager for a Bloomingdale’s near Washington, D.C., to open Great Dogs of Great Falls, an 1,800-square-foot pet shop with grooming services in Great Falls, Va.

When I stopped by to interview her recently, I was impressed to discover that Waitkus, now 57, made all the right moves for launching a new venture, starting with a rock-solid business plan. But what really impressed me is this: She had saved enough money outside of her retirement accounts to finance the startup.

Great Dogs started turning a profit in its first year, and Waitkus has been able to pay herself a salary. (I contributed to the cause by purchasing some treats and marrowbones for my Lab, Zena, when I popped in.)

Women have been starting businesses like mad in recent years, and at a higher rate than men, according to a report from American Express OPEN Forum. Between 1997 and 2012, the number of women-owned firms increased by 54 percent, a rate 1.5 times the national average.

But starting a business may be even harder for women than for men, as explained in a recent Forbes.com article by Susan Coleman and Alicia Robb. Authors of a new book released by the Kaufmann Foundation, A Rising Tide: Financial Strategies for Women-Owned Firms, Coleman and Robb contend that businesses run by women face hurdles that aren’t encountered by men.

For instance, they report, women seeking first-year financing to get a business off the ground receive about 80 percent less capital than men. This echoes what I’ve heard from female entrepreneurs I know, who’ve told me that finding money to finance their companies was the hardest part of their launches.

With that in mind, here are eight resources women should consider if they want to raise cash for a fledgling business — and two to avoid at all costs:

Personal savings Most startups, like Waitkus’s pet shop, are financed with an entrepreneur’s own money. But as I wrote in my Next Avenue blog post, “When It Comes to Money, the Deck is Stacked Against Women,” women tend to earn less than men, which means they often don’t have a full cupboard to tap.

Loans from banks and credit unions These are the chief sources of financing for women-owned firms. Fortunately, women are no longer more likely to be rejected for these loans than men, according to Coleman and Robb’s research.

If you plan to apply for a bank or credit union loan, I recommend you have a solid business plan, a stellar credit record and an excellent credit score (720 or higher). You might want to try a bank where you’ve been a longtime customer or one that is familiar with your company’s field. For more tips, read the Next Avenue article, “How to Get the Business Loan You Want” by Steve Bloom, a counselor with SCORE, the nonprofit small business adviser affiliated with the U.S. Small Business Administration.

An SBA-guaranteed bank loan can keep your down payment and monthly payments low. To find a bank offering one of these loans, check the Local Resources section of the SBA’s website as well as the site’s loans and grants search tool.

Home equity credit lines or loans Lenders typically let you borrow 75 to 80 percent of your home’s value, minus the amount of money you still owe on the mortgage. With a home-equity line, you receive the money in increments, rather than the lump sum you get with a home equity loan. The interest rate on home equity credit lines is typically lower than on loans, which you receive as a lump sum.

According to Bankrate.com, the average rate for a $30,000 home equity credit line is 4.58 percent; for a $30,000 home equity loan, it’s 5.71 percent. Just be certain that you’ll be able to repay this kind of financing — your house is on the line.

Relatives and friends Family members and pals often lend money interest free or at a low rate of, say, 3.5 percent. Be sure to get legal advice and create a binding contract if you want to finance your business this way. You’ll want to put the loan’s terms in writing to avoid any misunderstanding about repayment dates and interest.

Angel investors and venture capital firms These financing sources provide money in exchange for equity or fractional ownership. However, they’re typically swamped by requests and extremely careful with their money.

Compared with men, only a tiny percentage of women rely on this kind of financing, according to Coleman and Robb. One possible explanation, the authors say, is the difference between the types of firms typically started by each sex. Women-owned firms tend to be less growth-oriented and heavily represented in the retail and service sectors. Equity investors prefer growth-oriented sectors, like technology and bioscience.

Another reason women have often find equity-financing windows shut is that don’t belong to the key networks that provide this financing. Traditionally, the authors note, angel investing and venture capital fields are closely knit, difficult to penetrate and dominated by men.

Crowdfunding websites Financing for the incredibly successful Pebble smartwatch was ramped up via Kickstarter, a crowdfunding website that entrepreneurs use to find people who’ll invest small amounts of money in tech projects or creative endeavors like music or video games. Pebble’s founders hoped to raise $100,000 through Kickstarter; they ended up bringing in more than $10 million.

With Kickstarter, listing your project is free. You simply post a description of the project, including a video, your target dollar amount and a deadline. Then you send a mass e-mail to family, friends and colleagues, asking them to help and also to share your financing invitation with others. When you reach your goal, Kickstarter takes 5 percent, and you pay 3 to 5 percent to Amazon.com’s credit-card service. If you don’t raise the money by the deadline, all pledges are canceled.

Similar crowdfunding sites, like Rock the Post, Indiegogo and AngelList, can also connect you with angel investors.

In the past, small businesses couldn’t sell shares of their company through crowdfunding sites because that violated Securities and Exchange Commission rules. But this spring, Congress passed the JOBS Act, which will allow such equity-based crowdfunding sometime next year, when the SEC’s new rules kick in.

(For more about this law, read NextAvenue small-business blogger Gwen Moran’s post “What the New Crowdfunding Law Means to Small Business Owners.”)

Economic development programs You’ll need to do some legwork for this type of financing, but it could be well worth your time. As Moran blogged in “A Great Way to Give Your Small Business an Edge,” getting your firm certified as a woman-owned business can help you qualify for money that’s only available to companies with that designation. Certification can also help you land government and big-business clients.

Some corporations offer these types of programs. For example, Michelin North America, based in Greenville, S.C., has provided $1 million in low-interest financing — loans range from $10,000 to $100,000 — to certain businesses, including women-owned firms, in parts of South Carolina.

Local economic development agencies, such as Rockville Economic Development in Maryland, also award cash prizes for new, female business owners. Check the SBA’s online directory and contact the office in your area to see if any money is available for women-owned businesses.

Grant programs for women The SBA operates a network of nearly 100 Women’s Business Centers around the country. They provide state, local and private grant information to women eager to start for-profit or nonprofit businesses.

Grants.gov lists information on more than 1,000 federal grant programs; many are specifically for women-owned businesses.

Business.usa.gov is the federal government’s site for entrepreneurs looking for short-term microloans and small business loans. Search this site for info on all programs available to women business owners in your state.

2 Financing Sources to Avoid

And now the two sources of money you don’t want to use:

Credit cards Avoid using plastic at all costs. Most cards carry double-digit interest rates, which is an outlandish price to pay for starting a business. Also, it’s very easy to get yourself into trouble this way, given the financial ups and downs of a new venture.

Retirement savings Trust me, you don’t want to dip into your 401(k) and IRA. Not only will you owe income taxes by taking money out, you’ll lose the tax-deferred compounding and, if you’re younger than 59½, you’ll owe Internal Revenue Service withdrawal penalties. Worst of all, you’ll highjack your future financial security. Please don’t do that. No business is worth it.

Loans for starting a business