-Using your own funds is a good indicator of how serious your are about starting a business. Risking your own money gives confidence for others to invest in your business.

-You may want to consider a partner for additional financing.

-Banks are obvious, but not always the easiest for obtaining start-up funds.

-Other loan sources include commercial finance companies, venture capital firms, local development companies and life insurance companies.

-Trade credit, selling stock and equipment leasing offer alternatives to borrowing. Leasing, for example, can be an advantage because it does not tie up your cash.

Talk to your local SBA office for further information on these various sources.