So, who do you turn to for a small business loans?  You've decided you want to start company XYZ selling your favorite product or service.

You've researched the market and determined your product or service is something that could potentially bring you some good returns.

You've figured that you need X dollars to get the ball rolling.

Well, there is no shortage of resources. Small business loans can be obtained thru a bank or a credit union. You can also find resources for a government small business loans in your yellow pages, on the internet or small business help centers.

There are also programs in place that offer a loans for women.  The list is endless: grants for your start up, small business loans if you are a minority, and even if you have bad credit.

If you are considering developing a product there are companies who are constantly searching for new products.  This may be a great way to get some funding and get that first product off the ground.  The internet is a great tool to search for companies who are seeking new products.

There certainly is no lack of resources when considering your funding.  Do your research and comparison shop to find out which loan institution can get you the best interest rate.  Pick yourself up a good book on how to write an effective business plan.

Loan officers love business plans since there's nothing for them to guess at - and if there is, you just won't get the loan.

So spend some time and research how to write an effective business plan that details everything about your proposed business and exactly what you need a small business loan for.