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Money & Business: How much, where, & why?

Businesses need money like people need water. Though over 80% of businesses start and grow without outside funding, just about everyone considers borrowing money at some point. As the adage goes, “You have to spend money to make money,” and if it’s someone else’s money that you’re spending, you wantRead More

How Much Financing Do You Really Need?

One of the biggest challenges in starting your own business is securing the financing you need to cover start-up costs. However, before you can determine where that financing will come from, you need to identify how much financing your business really needs. So, how do you figure out what yourRead More

Ask Dr. Deborah | What are my financing options?

Dear Dr. Deborah, I’m getting ready to open my own business selling desserts and pastries and I’m looking for some advice. I’ve talked with restaurants in my area and many of them are willing to carry my products. However, in order to start making such large batches I will needRead More

How to Finance a Self-Employment Venture

When starting a new self-employment venture, most use their own money from their personal savings or checking account to cover the start-up costs. However, doing this and remaining financially stable is not in the cards for some. These individuals have to find additional (in some cases all) financing from anRead More

Smart Financing for Small Business – A Dozen Choices

You’ve got a great idea for a small business, now how are you going to finance it? Not just startups, this is an ongoing question for all small business owners. Tough as it may seem to answer the question, there are actually a significant number of options for SMB financing,Read More

Why You Are Crazy to Operate as a Proprietorship

In most situations you are crazy if you don’t form an LLC or corporate structure for the simple reason that these ownership forms protect your assets from liabilities incurred through the business operation.