The American dream of business ownership

The American dream of business ownership is even more alluring today as the country attempts to lift itself from the recent severe recession. Many lay off; unemployed and underpaid workers have made the decision to become entrepreneurs. While a viable concept is paramount, new business owners must consider exactly how the new concern will be financed and should become aware of the different options available.

Bank Loans

A straight bank loan probably makes the most sense, but is also the most difficult to obtain. Many business owners complain that in order to get a bank loan, they must first prove to the bank that they don't need the money. While a working capital business loan would be welcomed, most first time entrepreneurs are quickly turned down by banks because of a lack of experience and proper collateral.

Venture Capital

Venture capital companies will lend money to riskier concepts, but they usually desire a large return. Many venture capital companies have a small business fund from which loans to smaller concepts are made. However, many of these firms want greater control of the business than many owners are comfortable with. Also, venture capitalists want control of a large block of stock which they hope will become valuable and salable in the future.

Factoring

Factoring is a kind of instant financing that again, comes with a high price. For example, if a business has sold $5,000 worth of goods to a customer, but the customer needs 30 days to pay, the business can submit that invoice to a company that provides small business factoring. The factor will pay the invoice immediately, but will take a percentage discount--usually five percent. The yearly rate of interest for this kind of deal can easily exceed 60 percent and this must be weighed against the promise of quick payment.

Credit Cards

Many small business owners resort to credit card financing in order to finance their businesses. While not a long term solution, entrepreneurs with good credit can borrow substantial sums by using a number of different cards.
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