If you’re trying to start up a business right now, you will quickly find that your options for new business loans are very limited and in most cases non existent.
Start up funding is largely provided by the equity of the business owner as almost all lenders are not comfortable with the risk associated with new business ventures.
The one major exception is government insured loan programs for equipment, real estate, and leasehold improvements. These are in place to provide small business owners with additional sources of capital that would not otherwise be available to them. At the same time, they are not always easy to qualify for.