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These are a spectrum of unsecured business and personal credit lines and loans available from many providers. You could apply for some of these on your own, but you don't know their underwriting and approval guidelines. Therefore, your potential for getting declined...
Using the personal credit of the business owners to obtain unsecured business credit from credit unions and banks where the funding is per principal of the business and what each principal's credit must look like to get these programs approved.
The use of 401k and IRA investments to fund new small businesses has become increasingly popular and is discussed here.
The change in the financial markets has caused the business lending community to create a number of new alternative small business financing programs. Those are reviewed here.
There are 3 different types of business cards that are reviewed in this instructional video.
A review of traditional business financing programs and what they are based upon.