How to Get Money for a Small Business

For many, one of the biggest deterrents to starting a business is finding the funds for startup. While some may chose to start a business based solely on private investment, there may be additional state and federal programs that can help.


One of the ways the U.S. Small Business Administration (SBA) provides short-term loans to small businesses is through their Micro-Loan Program. The SBA does not loan money, however, they guarantee it through intermediary lenders. Microloans can be used for inventory, supplies, furniture and fixtures, but not real estate purchases or to pay off existing debt. 

For businesses in California, you can find additional information at the California Business Portal; or to find grant info or other funding outside of California, check this List of economic development websites by State. Grants may also come from educational or research institutions, or from monies set aside specifically for women and minority owned businesses.

For those that are in the following sectors: Information Technology, Childcare or Renewable Energy, many states  has specific programs for entrepreneurs or small business owners that have a proven history in these areas.

Getting a Handle on Life in 2010

I am not one for New Year's resolutions, but I am definitely in favor of taking stock of where you're at vs. where you want to be, and then creating a plan or list of goals for the things you'd like to change.  Maybe you're like me and bypass the whole January 1st ritual of posting a new list of resolutions on the fridge or dresser mirror. Maybe, you too will consider February (or whatever month you decide) to be the start of a "new" you... a more focused, disciplined, goal-oriented, inspired YOU. And then, maybe you'll also consider using those same tools to help your family and friends create their own lists of goals and aspirations.

Obviously, how we deal with the economic challenges is a big part of our goals, discipline and inspiration.  Stress over the loss of job or decrease in income, rising mortgages or costs or living, and the stress on our relationships that are intertwined with money matters, are on the rise.  This is a good time to take stock of your budget, your spending habits, your lifestyle (not to mention taking an honest look at how your home, lifestyle and relationships may have suffered in the last year or so.)

Once you've taken stock, now it's time to get down to business and create some attainable goals.  Here's a few articles and resources to help you get started:

How to Downsize Your Lifestyle - Less is more, especially now.

How to Get Cash for Your Unwanted Stuff  - whether you are in need of quick cash, or you've realized you definitely have way too much, there's definitely a few ideas to help you clear some stuff out.

Be sure to get your free copy of financial expert Alan Haft's book The 10 Most Common Mistakes People Make with Their Money...and How to Avoid Them -- it's available on his blog "The Haft Report" along with a lot of other smart and savvy money tips!

Check out LiveStrong.com's  Dare to Change Your Life articles and resources.

And remember, even hitting 60-70% of your goals and aspirations looks a whole lot better than 100% of  nothing!

Time, Family and Organization

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Vacations Close To Home

Yes, there are layoffs, an economy that has tanked, and gas prices that are out of control. But that doesn't have to mean the end of the family summer vacation. Money may be tight, but that's no reason to cancel the summer fun. Many American families are opting for a stay-at-home vacation (or as it's now been dubbed, "staycation".)

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Are You A Stay At Home Mom with A Great Idea?

"The hand that rocks the cradle rules the world". Even more so it seems in today's economy. Moms are known to be clever and resourceful, and now they are leading the pack when it comes to creating income opportunities from home. So much so that they've been given their own title: "Mompreneur" or "Mommy Entrepreneurs".

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Managing Your Finances

I know, I know, managing our finances is just about all anyone is thinking about these days!  But there are some smart ways to take control of your finances - and I've detailed a few tips [ADDITIONAL CONTENT / ARTICLE LINKS REMOVED]