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Access to Capital for Small Business

We Assist Small Businesses with Exploring Access to Capital Options & Understanding Capital Needs

Why Capital Access Matters

Small businesses are the backbone of the economy, representing 99.9% of all U.S. businesses. However, access to capital remains one of the most significant barriers to small business success and growth.

Key Statistics:

* 82% of small businesses fail due to cash flow problems
* Only 20% of small business loan applications are approved by traditional banks
* Small businesses need capital for startup costs, inventory, equipment, expansion, and operational expenses

Capital enables businesses to:

* Launch new products or services
* Expand operations and hire employees
* Purchase equipment and technology
* Manage seasonal fluctuations
* Weather economic downturns

Understanding Your Capital Needs

Types of Capital Requirements

Startup Capital

* Initial equipment and inventory
* Legal and licensing fees
* Marketing and branding
* Working capital for first 6-12 months

Growth Capital

* Expansion into new markets
* Additional staff and training
* Technology upgrades
* Increased inventory levels

Working Capital

* Day-to-day operational expenses
* Payroll and benefits
* Rent and utilities
* Accounts receivable gaps

Calculating Your Needs

Before seeking funding, determine:
* Exact amount needed
* Timeline for funding
* Expected return on investment
* Repayment capacity
* Risk tolerance