In my 25 + years working with professionals in Business Development, universally I’ve discovered that they have learned to think like entrepreneurs. This is what has allowed them to rise to the top of their profession. Each would tell you that along the way they have learned how to think differently.

True entrepreneurs struggle with their business opportunities for a variety of reasons. Among the most obvious are a lack of capital, lack of understanding about marketing, and personnel issues. However, from my own entrepreneurial experience and knowledge of others, there are three major reasons individuals fail in entrepreneurial ventures.

They tie the success of their business with their own self worth.
They neglect to set realistic goals and plans for themselves and their business.
They are not prepared to pay the price of success.

True entrepreneurs with the right thinking prevail over a period of time. They have learned to understand the axiom Roles, Goals, and Tolls.

Roles
Successful entrepreneurs, in contrast to those who struggle, have learned to separate their roles in life from their self worth or self-identity. They understand that role performance or failure with their own venture is not a judgment of them as an individual. People who tend to equate their self-worth to their composite role identity are inherently risk-adverse and look to maintain the status quo. Being able to differentiate these two identities allows them to be risk prone vs. risk adverse, a key ingredient to success as an entrepreneur. Individuals who have risked failure, experienced it, and learned from it, have not only learned how to differentiate their role identity from their self-identity, they have learned the lessons of risking and failing. They understand that early failure in ventures is a natural part of successful startups. They are able to embrace those experiences, learn from them quickly and move on. This is critical to success as an entrepreneur. They must be willing to face and deal with early failures in order to prevail over time.

Goals
Even though much is said and written about goals and plans being necessary for success as an entrepreneur, few people learn the mechanics of successful goal setting and planning. Its not the plan but the planning that is important, and the goal setting process allows them to develop the confidence to take risks and fail. Successful entrepreneurs are not only goal driven and goal oriented; they have learned to execute the process of strategic and tactical goal setting and planning. Visualizing goals, writing them down and putting together a detailed plan for achievement provides the confidence and motivation to prevail. More than just business or operational plans, they have goals and plans for all the important roles in their life. They have learned early that if they arent working their own plan they are probably part of someone elses goals or plans. They chart their own destiny, embrace risk-taking leadership positions, make adjustments as required and prevail over a course of time.

Tolls
Finally, entrepreneurs understand that there is a toll to pay. To be successful in any role in life you must be prepared to pay full price one time. There are really no overnight successes as an entrepreneur. In fact, Ive heard it said that overnight success generally takes 15-20 years. One of the early tolls that entrepreneurs are quite often forced to face is the re-making of themselves that can include growing beyond their current circle of contacts. Since most people tend to stay within their own psychological comfort zone, they begin to lose identity with the risk taker. They are comfortable with the type of person who is more like them. Quite often the entrepreneur moves on to a different circle of associates who understand the journey. Stepping out, being your own person and venturing into the risk prone unknown is lonely by itself. Consequently, there can be a newfound stress in old relationships. Its been said before that pioneers get shot in the front and the back, and only through a process of differentiating role performance from self-worth, being risk prone, prevailing through adversity, sticking to your goals, and adjusting your plans will you be prepared to pay the daily toll.

An entrepreneur has much to learn in order to be successful, including the day-to-day mechanics of running a business, producing products, delivering services, making money and dealing with people. The biggest challenge of all is developing an understanding of themselves. They come to grips with what they want and what motivates them; this sustains their willingness to prevail over the long term against adversity. Successful entrepreneurs have learned to transform their thinking, allowing them to prevail where others fail along the way.

Bill Scheessele is the President, Founder and CEO of Mastering Business Development, Inc., a 25-year Business Development consulting and training company. MBDi consults with firms in the energy, nuclear, engineering, pharmaceutical, IT, and other highly technical service industries helping them build proactive Business Development teams. He can be reached at or .

A web site is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. Almost 60% of Canadians had access to the internet at home in 2003, and around 8 million had regular access to the internet from somewhere, either at home, at work or at school.

And thats just in Canada. Ecommerce sales from Canada were 7.2 billion, and we only captured 4% of the global ecommerce market! So, how can you reach some of those internet surfers, and how can you capture some of that 7.2 billion spent in ecommerce?

First, you build it
The first step is designing your website. If your company already has business cards and letterhead, its best to design your website around them. A matching corporate identity and website helps with branding.

I like uncomplicated websites, with a simple layout and easy navigation. A nice, simple layout, with good graphics, balanced look and good color combinations is my #1 goal when designing a small business web site. Remember to use graphics sparingly and to optimize them for your website because internet surfers are impatient. If your page loads too slowly, theyll leave.

Navigation should be easy to find and to use, and it should be consistent from page to page. Ive left more than one site frustrated because I couldnt easily find their navigation.

Small business web sites arent static. They evolve. You need to start somewhere, and starting with an introductory web site is probably easiest. All you really need to start is five pages. You can always add pages later. The important thing is to just do ittake the plunge and get it out there.

Your five pages could include an index, or home page, about us, services, contact and a sitemap. The index page is your landing page. Typically its design is a little more detailed than the others, but it doesnt have to be that way.

I like to use CSS (cascading style sheets) for designing because its simply easier to build a web site and to edit its layout with CSS rather than just HTML (hypertext markup language) alone. A change on a CSS sheet changes all the pages on your site at once.

Content is king
Once your site is designed, youll want to start thinking about content. Design is very important, but it does little good to have a beautiful site without high-quality content.

Your small business home page introduces you and your companywho you are and what you do. The about us page is usually used to give more detail than the home page about who you are, and your services page gives more detail about what you do. You might wonder why youd waste a page on a sitemap since you only have 5 pages, but sitemaps help search engines find all the pages in your site.

As far as content goes, more is better, up to a point. Your pages should be content rich and informative, but they also need to be relevant to your small business. If your visitor cant figure out what your web site is about in just a few seconds, they may leave.

The internet was at first strictly informational, and thats how it remains today. Several times people have tried experiments using copywriting similar to direct mail sales letters, but theyve all failed. It seems as if people surf the internet more for information than anything else. Knowing this will help you write pages people will want to read.

Attracting visitors
You could follow your instinct and just start writing, but wait. Theres research you must do first, or your web site simply wont be high enough in searches to be found. Search engine optimization is far too big a subject to cover in this short article, but among other things, search engines find your pages based on keywords.

So, pretend for a moment that youre on the other side of the desk. If you were a customer of your own business, what words or phrases would you use to search for your product or service? Ask friends and neighbors how theyd search for your product or services.

When youve come up with a few, check them out on a keyword suggestions tool. You can also use that tool to suggest similar words and phrases. Then find out how many results there would be if you searched for that term. What you want to do next is narrow down your choices to the words or phrases that are searched for the most, but have the fewest results.

Remember that people generally dont look beyond the first three pages for any search term, so if youre not in the top three pages, your business is not likely to be found at all. If there are millions of results for your phrase, you might simply need to make it more specific.

For example, lets say you have a small business consulting company that specializes in communication for small business. Using communication as a search term is nearly pointless because there are almost 2 billion results for that word. But, there are only 974 results for small business communication.

Much better, but how often is that searched for? According to WordTracker, its searched for 10 times a day. Not bad, but I think we can do better. How about small business consulting? Thats searched for 261 times a day, and there are 373,000 results. That could be the best primary phrase for a small business communication consulting company.

What you want to do, is write your content around those words and phrases. You dont want or need very manythree or four are plenty.

Getting them to come back again and again
Getting visitors to come back to your site again and again is relatively simple. Keep your content fresh and lively, make sure its informative, and add to it often.

I hope you decide your small business needs a web site. Its the best way I know how to reach a wider target audience with a relatively small investment.

My biggest problem in becoming self-employed was me.

In order to BE a self-employed person I had to start thinking like one. I found myself reverting to that nine-to-five mentality. If I wasnt accomplishing a task every hour, then I must not really be working.

Sometimes a self-employed person has to make decisions about her business. Sometimes she is just thinking about a solution to a problem. Sometimes she just has to quiet her mind so new ideas can come. Just because youre not pounding away at the typewriter every minute doesnt mean youre not working.

Ive also learned that its okay NOT to answer the phone every time it rings. Thats what voicemail is for, and the same goes for email. At my nine-to-five job I would leave the email program open all day and answer each one as it arrived. It took me a while to realize its okay to only check email several times a day instead of constantly being interrupted. Its actually more productive than having to stop your thought process every time you have mail. At my other job, I was able to let a phone call roll over into voice mail, but it took me a while to be able to shut down the email too.

Youre going to have days where you feel you didnt accomplish much. Then again, youll have days where youll feel you can conquer the world and youll be amazed at how much you got done. Some days you may not finish many tasks, but youll make a decision on a problem that needed to be addressed. Or, you will have learned a valuable lesson about yourself.

And, I had to learn to stop breaking down all my tasks into pounds and cents. I tended to worry about how much I was or was not earning every day. The truth is, some days youre going to make more than other days. If I spent my day on marketing issues, even though I didnt earn any money from it that day, I would benefit from it some time in the future.

Rather than worry about what benefits I do or dont have, I realized the benefit I have in my business is that I answer only to me. Everything I do will benefit me sooner or later. Instead of my income being dependent on somebody elses budget, I can go as far as I dream.

And because Im now doing what I truly love and not what someone else tells me to, Im much happier and more content. I learned if you start THINKING like an entrepreneur, then youll actually be one.

Undoubtedly, the internet can make the difference between a successful small business and one ignored by customers. Due to the global nature of the Internet surpassing physical frontiers between nations, and even making it unnecessary to use printed business cards when they can easily be hosted online.

Web presence can make small businesses more competitive from any angle, allowing you to understand new trends, as well as discover opportunities and problems without wasting time. A small business with Internet presence improves your opportunity to connect with a number of suppliers and customers that otherwise might not be possible in your local area.

Furthermore, traditional printed business cards including an Internet address, not only opens a new range of possibilities to succeed, but also is a way to increase your communications, showing an appealing professional appearance, no matter how big or small your business or company is actually. Magnetic business cards often create a long-lasting marketing image.

In fact, you will be surprised to see prospective clients seeking what they want through search engines. Others might check for URLs in business cards instead of browsing the printed yellow pages, because a web presence translates is synonym to having a shop or booth in every corner of the world, where every individual or small business can have the same presence as the big enterprises.

Of course, budget, skills, knowledge and other Internet resources determine the performance of every small business online. However, it will always be beneficial to develop your business web presence if you want to get customers from every location around the world or, as a practical alternative, you can create online business cards for you, your partners and employees.

On the Internet, you will find a number of websites offering both services, development of your web presence and creating your online business cards, ranging from low-mid prices to those unaffordable for people who are just starting a new business venture. However, you do not need a big budget to start.

There are a number of free Web hosting services that will gladly give you web space to develop your presence. If you have no idea how to create a website, they usually have facilities called online tools or web site builders, allowing you to create a nice looking page with just a small amount of information regarding your small business, products and services.

If you do not feel comfortable with those tools, there are other options for you. If you want to create only a business card that looks like real printed business cards, you can always get free or cheap web templates, coming in a variety of designs and only requiring your information to be uploaded, which will create your web presence instantly.

The “spark” for many entrepreneurs is seeing an opportunity that doesnt yet exist. Ted Turner, for example, launched CNN because he perceived that people wanted more television news than they were being offered. It took a lot of patience on Turners part to realize the vision, but he had read the market in a way that few “experts” did at the time.

In realizing the promise of CNN, Turner demonstrated another facet of the entrepreneurial spirit, persistence. There are a lot of bright ideas that never reach fruition; taking a “raw” idea and converting it into a successful business model is very hard work.

And that work never stops. No matter how innovative your idea, the competition is always just behind you. With anything less than constant creative effort on your part, they may not stay behind you.

Are you still with me? Here is where I reveal why everyone isnt an entrepreneur:

No opportunity is a sure thing, even though the path to riches has been described as, simply “…you make some stuff, sell it for more than it cost you… that’s all there is except for a few million details.” The devil is in those details, and if one is not prepared to accept the possibility of failure, one should not attempt a business start-up.

It is not indicative of a negative perspective to say that an analysis of the possible reasons for failure enhances our chances of success. Can you separate failure of an idea from personal failure? As scary as it is to consider, many of the great entrepreneurial success stories started with a failure or two.

Some types of failure can indicate that we may not be entrepreneurial material. Foremost is reaching one’s level of incompetence; if I am a great programmer, will I be a great software company president? Attitudinal problems can also be fatal, such as excessive focus on financial rewards, without the willingness to put in the work and attention required. Addressing these possibilities requires an objectivity about ourselves that not everyone can manage.

Other types of failure can be recovered from if you “learned your lesson.” A common explanation for these is that “it seemed like a good idea at the time.” Or, we may have sought too big a “kill;” we could have looked past the flaws in a business concept because it was a business we wanted to be in. The venture could have been the victim of a muddled business concept, a weak business plan, or (more often) the absence of a plan.

When small businesses fail, the reason is generally one, or a combination, of the following:

* inadequate financing often due to overly optimistic sales projections;

* management shortcomings,

— such as inadequate financial controls, lax customer credit, inexperience, and neglect, and;

* misreading the market,

— indicated by failure to reach the “critical mass” required in sales volume and profitability,

— usually due to competitive disadvantages or market weakness.

In a recent Wall Street Journal article titled “Why My Business Failed,” Ken Elias cautions that “even if the concept is right, it won’t fly if the strategy is wrong.” Still, on being asked whether he would start another business today, he answers: “Absolutely. The experience is fabulous, exciting and the possibility of success is always there.”

The Fine Art of Juggling Business and Motherhood for Mom Entrepreneurs

Like every entrepreneurial mom, two of the top priorities in my life are my family and my business.

My Story. I have always been a driven person. I knew what I needed to do to earn my next promotion. I took every class and seminar that I could find to help me get ahead. When I was in my early 20s, all my colleagues were men in their 40s. If I had kept going, I would certainly have reached upper level management.

My desire and drive for status in the corporate world came to a screeching halt on a day in late 1993–the day I became Jackies Mom. That day, as all Moms understand, my priorities dramatically shifted. Life was no longer all about me. I wanted to spend as much time with her as I could. Suddenly work and school were unimportant. I began looking for opportunities to work from home or for good part-time jobs.

It is not easy to juggle business and motherhood. I do not claim to be an expert. After Jackie was born, I spent several years in the corporate world not realizing there were other opportunities for me. While I worked full-time, my constant concern was that I was missing everything while my child was in daycare for 11 hours a day. Because I know children are only little for a short time, a cloud of overwhelming sadness was constantly hanging over me. In my efforts to overcome this concern, I was fortunate along the way to find several excellent part-time jobs, and I even job-shared for a year. I have actually only worked full-time for half of my daughters 12 years. Yet it still never occurred to me that I could leave the security of a corporate job to have my own business.

Thankfully, the entrepreneurial bug bit me in late 2002. I now have my own business, and I love every minute of it. I am much happier and I am able to set my schedule around my childrens important activities and, on occasion work with them beside me. I recently sat at breakfast with Jackie and asked her when she has been happiest with my work schedule. She too was happiest when I was able to take her to school and pick her up myself and attend all her important activities.

My husband, Terry is about to begin working in my business full-time, too. While we are looking forward to being together more and working together to help build our business, this will be a major life change for us. Our son Cole (age three) is currently in daycare for three part-time days each week. Last week we discussed some of the adjustments we will need to make with Terry being home more. We made the commitment to juggle taking care of Cole and working in the business the remaining two days a week for the next two years until he starts kindergarten. We know it is best for Cole, that this time is a special time to be with him, and he is worth it.

I have learned many things as a Mom Entrepreneur, and I would like to share two of them. The Importance of Being Present. Several months ago, I had a breakfast meeting with my business partner and one of our networking organization members. The member was sharing some of the things he had learned in a workshop. I will never forget when he said, You are not listening, youve never listened, and you are not listening now Then he explained how he realized he hadnt been listening to his own daughter. I immediately understood what he was saying and my heart sank. I thought of my children. Although I had always wanted to have as much time with them as possible, I had become involved in growing my business. While juggling both work and family, I had stopped listening. I had been fooling myself and I had been very wrong. I apologized to my daughter that day. I changed immediately, including even little things. For example, while ironing on stars Jackie had earned in P.E., I took the time to talk about how she had earned the stars. I understood how much I was going to miss unless I was present all the time. Working moms often struggle with the lack of time spent with their children, but when we are present, every moment we spend with our children can be special quality time.

The Value of Teamwork. One of the most important things we can do for our families is to have open communication. I am not afraid to ask for help from my family. I try my best to communicate my upcoming schedule ahead of time. When I have a particularly hectic week, we talk about what is happening, if its temporary, acknowledge the stress it puts on all of us and handle it together. As a team, we worked out a plan for the days when I leave early to attend a breakfast meeting. When I say, I have a breakfast meeting tomorrow, everyone knows what to do. For example, my husband takes care of our son and drops him off at preschool. My family understands my commitment to them is, if at all possible, I will only attend one breakfast meeting a week. I communicate with them what is happening in the business and try to involve them in it, too. We are all in this together. As the business succeeds, we all succeed.

You can help, too. I love to help others, and as I continue my personal journey towards a more balanced life, I want to collect the experiences of other entrepreneurial moms. I am also writing a book for Mom Entrepreneurs. The comments submitted for these articles could also be featured in the book. It is my goal to share your stories so that we can all help each other to master the fine art of juggling business and motherhood.

Studies have shown that successful entrepreneurs possess these characteristics:

1. Self-confidence

This is that magical power of having confidence in oneself and in one’s powers and abilities.

2. Achievement Oriented

Results are gained by focused and sustained effort. They concentrate on achieving a specific goal, not just accomplishing a string of unrelated tasks.

3. Risk Taker

They realize that there is a chance of loss inherent in achieving their goals, yet they have the confidence necessary to take calculated risks to achieve their goals.

Entrepreneurs are people who will make decisions, take action, and think that they can control their own destinies. They are often motivated by a spirit of independence which leads them to believe that their success depends on raw effort and hard work, not luck.

So which of these three main characteristics is the most important? Believe it or not, it has to be self-confidence. Without self-confidence, nothing else is possible. If you don’t believe in your abilities, then the first challenge that arises may knock you off the path to achieving your goals. Here are a few things to keep in mind for maintaining a higher level of self-confidence.

Positive Thinking

Well, it all starts with a positive attitude, doesn’t it? Believing that something good will happen is the first step. Negative thinking simply is not allowed. You must truly believe that there are no circumstances strong enough to deter you from reaching your goals. Remember too, that positive thinking can be contagious. When positive thinking spreads, it can open doors to new ideas, customers, friends, etc.

Persistent Action

Now all of the positive thinking and believing in the world is useless if it is not applied towards a goal. You have to take action, no excuses are allowed. This action must also be persistent. Trying once and then giving up is not going to be enough. Keep at it one step at a time. If you can’t get by a certain step, then find a creative way to try again or just go around it.

At the beginning of this article we identified a few traits that are common among successful entrepreneurs. You should be able to look ahead and see yourself where you want to be. Now just maintain a strong belief in yourself and your skills, stick with it, and don’t give up. If you can do that, you’re already half way there!

Studies have shown that successful business entrepreneurs possess these characteristics:

1. Self-confidence

This is that magical power of having confidence in oneself and in one’s powers and abilities.

2. Achievement Oriented

Results are gained by focused and sustained effort. They concentrate on achieving a specific goal, not just accomplishing a string of unrelated tasks.

3. Risk Taker

They realize that there is a chance of loss inherent in achieving their goals, yet they have the confidence necessary to take calculated risks to achieve their goals.

Business entrepreneurs are people who will make decisions, take action, and think that they can control their own destinies. They are often motivated by a spirit of independence which leads them to believe that their success depends on raw effort and hard work, not luck.

So which of these three main characteristics is the most important? Believe it or not, it has to be self-confidence. Without self-confidence, nothing else is possible. If you don’t believe in your abilities, then the first challenge that arises may knock you off the path to achieving your goals. Here are a few things to keep in mind for maintaining a higher level of self-confidence.

Positive Thinking

Well, it all starts with a positive attitude, doesn’t it? Believing that something good will happen is the first step. Negative thinking simply is not allowed. You must truly believe that there are no circumstances strong enough to deter you from reaching your goals. Remember too, that positive thinking can be contagious. When positive thinking spreads, it can open doors to new ideas, customers, friends, etc.

Persistent Action

Now all of the positive thinking and believing in the world is useless if it is not applied towards a goal. You have to take action, no excuses are allowed. This action must also be persistent. Trying once and then giving up is not going to be enough. Keep at it one step at a time. If you can’t get by a certain step, then find a creative way to try again or just go around it.

At the beginning of this article we identified a few traits that are common among successful business entrepreneurs. You should be able to look ahead and see yourself where you want to be. Now just maintain a strong belief in yourself and your skills, stick with it, and don’t give up. If you can do that, you’re already half way there!

As a small business owner, you are a risk taker. There is excitement and challenge in such a venture, but to succeed you need good management information, an ability to be a good manager of people and the intelligence and inner strength to make the right decisions. From unnecessary risk taking, thousands of workers die each year and many suffer injury or illness from conditions at work.

How often does an owner or manager actually see work-related deaths, serious injuries or illnesses in the workplace? In some small businesses, the answer is rarely. For this reason, many owners or managers do not understand why there is controversy about the government having occupational safety and health agencies with enforceable laws. But others have learned why; unfortunately, they have experienced a loss. These ownermanagers will tell you that it is too late to do anything once a serious accident happens. They have learned that prevention is the only real way to avoid this loss and unnecessary risk taking.

Reducing losses and risks are goals that you as an owner or manager must set in assuring the safety and well being of all in the business. Small business owners and managers place a high value on the well-being of your employees. Family members and personal acquaintances may be part of the business and even hired employees will become almost like family as time goes by.
Investing in safety and health activity now will better enable you to avoid possible losses in the future.

Nobody wants accidents to happen in the workplace. A serious fire, a permanent injury, or the death of an employee or owner can cause the loss of profit or even an entire business. To prevent such losses, you dont have to turn your business upside down. You may not have to spend a lot of money, either. You do need to use good business sense and apply safety prevention policies. There are reasons why accidents happen. An accident always has a cause and a reason why. Once you know why an accident happened, it is possible to prevent future incidents.

The business needs a plan to prevent accidents. Not all dangers at the workplace depend on an accident to cause harm, of course. Worker exposure to toxic chemicals or harmful levels of noise or even radiation may cause gradual illness over a long period of time. There needs to be a plan that includes prevention of these unseen health hazard exposures. There needs to have a safety and health management system. It is not difficult to develop such a plan. Basically, the plan should address the types of accidents and health hazard exposures that could happen in the workplace. Because each workplace is different, the program should address the specific needs and requirements for the business.

There are four basic elements to all good safety and health programs. These are as follows:

1) The manager needs to lead the way, by setting policy, assigning and supporting responsibility, setting an example and involving employees.
2) The workplace needs to be continually analyzed to identify all existing and potential hazards.
3) Methods to prevent or control existing or potential hazards are put in place, maintained, and updated.
4) Managers, supervisors and employees need to be trained to understand and deal with worksite hazards.

Regardless of the size of the business, the plan should use each of these points to prevent workplace accidents and possible injuries and illnesses. Developing a workplace program following these four points is a key step in protecting you and your workers safety and health. If you already have a program, reviewing it in relation to these points should help you improve what you have.

Following this four-point approach to safety and health in your business may also improve efficiency. It may help you reduce insurance claims and other costs. The plan will certainly give you a way to express and document your good faith and commitment to protecting your workers health and safety.

This approach usually does not involve large costs. Developing a health and safety protection plan does not have to be expensive and generally does not require additional employees, especially in smaller businesses. Safety and health can be integrated into your other business functions with modest effort on your part and will become part of the daily routine.

The key to the success of a safety and health plan and program is to see it as a part of the business operation and to see it reflected in the day-to-day operations. Once implemented, the safety program will become second natured to the owner as well as the employees.

Whether you are starting a manufacturing company or opening up a coffee shop, SBA loans are the way to finance your small business. Small business loans are loans that are guaranteed by the Small Business Administration, which was started to assist entrepreneurs in forming successful small businesses. According to federal government research, small businesses employ fully one-half of Americas private sector workforce and over 99 percent of all employers in the U.S. are small business owners.

There are several benefits to SBA loans, including the many licensed lending partners nationwide. The SBA establishes guidelines, reasonable loan terms, and is able to offer better interest rates and options to businesses in the early stages of development.

There are some difficulties in obtaining a small business loan, however, beginning with the requirements for potential borrowers. Lenders will consider the size of your business, including number of employees, and your companys average revenue in certain industries, such as construction or wholesale.

When you call your lender to be considered for a loan, plan on answering a lot of questions about your business. Some information they might ask you for is a business profile (type of business, sales revenue, number of people you employ, and how long you have been in business), a description of the money you need and how you plan to spend it. Also be prepared to provide collateral and explain how you plan to secure the loan.

There are several different types of SBA loan options available, including:
Basic 7(a) Loan Guaranty
Certified Development Company (CDC), a 504 Loan Program
Microloan, a 7(m) Loan Program

More information about these types of loans can found through your private lender, or the Small Business Administration.

To learn more about the www.sncloans.comsmall-business-loan.html SBA Loans offered and to see if you qualify for one, visit www.sncloans.comSecurity National Capital today.