The beginning of a business is similar to a take-off of a plane. The pilot needs to have speed, balance and fuel. In the same manner beginning your business is the most crucial aspect. Obtaining credit is no longer easy. The marketplace of business and financial resource aids have changed over the years. Business owners, entrepreneurs and real estate investors have had to change their battle strategies. Through starting a business loan for your business, you will be helped. One of the first steps is to start a relationship with a loan officer at your local bank, credit union or nonprofit financial intermediary to access the programs. SBA has created loan programs which I believe will be a big support to the success of your business. .Research has said that as a small-business owner, you can get up to $750,000 from your local banks. This is very helpful for your working capital, asset purchases and leasehold improvements. It is mandatory that all the owners of a business who hold an ownership stake of 20 percent or more are required to personally guarantee the loan. Here comes the aspect of Eligibility: “How will one qualify for such?” The eligibility criteria for the loan program are the broadest of all the SBA loan programs, but they're still quite restrictive for start-ups and businesses related to financial services. In conclusion, all SBA programs are targeted at small companies. Small is defined as businesses with less than $7 million in tangible net worth and less than $2.5 million in net income). Typically most banks won't lend to start-up businesses that don't have two to three years' worth of financial statements and some owner's equity in the business. The Export Working Capital Program provides short-term working capital to small, export businesses, and the DELTA program provides both financial and technical assistance to help businesses dependent on defense installations transition to civilian markets. I hope that this will help you in your endeavor to create a business that will contribute to the global market.