Are Small Business Loans and Microloans Getting Easier to Obtain

March 2, 2010 - PRLog -- There is a rumor going around that the money to finance a new business venture is more difficult to come by today than it was two years ago before the recession. Capital for business ventures has dried up and investors are seeking more established companies to sink their resources into, or so the story goes. It is perfectly understandable if you believe this rumor. After all, the past two years have been difficult for many small businesses and those who have invested in them.  

Now, look at the flip side of the coin. The recession is over. Economic indicators are showing growth in the economy and a decline in unemployment numbers. People are starting to spend money again and the gloom and doom predictions of the ultra-conservatives and pessimists have not come to pass. Small loans have increased like the SBA Microloans and Microloan funding is designed for businesses that can operat with less than a $35,000 dollar loan amount. http://www.sbaloans-123.com/sba-microloan

Some of the established companies of the past half century have gone out of business and some of the newer ones have survived. Can an investor in this climate really be jaded against new ventures?

If you take a moment to contemplate the question you will find that there really is no reason right now for either private investors or public lending institutions to refuse start-up capital for business ventures. Regardless of whether you are in an older niche market or a brand new technology category there is a good chance that you’ll be successful in what appears to be a market ready to surge after a long drought. If this recession proved anything to lenders it is that the status quo and business as usual cannot be counted on to be consistent anymore. http://www.ibank.com/

If you are an investor or financial professional looking to build a new portfolio for the next decade, diversity will be a key factor in your decision making. If you’re seeking financing for small business you’ll want to emphasize how you are different and how you fit into those diverse equations lenders are looking for. http://www.ibank.com/business-loans.cfm

It’s a good bet that banks and private financiers won’t put all their eggs in a single basket again.  If you are a small or new business looking for capital, ask around. The money is there to be had.

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Learn About SBA Loans and how to get SBA funding and How to get SBA financing for your small business. The SBA also has the Microloan program that small businesses can take advantage of.