Identify what type of business you want to start looking and what it implies: there is a great need for this? How much money does it take to start? What competition is there in the market? Can you do it alone, or will you need employees? Learn everything you can about your new business and take notes on these items you think are essential to your success.

Discuss your new business with family and friends and to measure their interest to support you with a loan. Those who know you best and care about your success may be more susceptible to the risk of getting a loan than those who consider you as a purely commercial. Find out if others in your network can afford and the interest you make a commercial loan.

Use your research to write a business plan for your new business. Business plans typically include a summary of the plan, a market analysis of business, a description of the business organization and management, a detailed marketing plan, detailed financial budgets (including loan repayment) and projections for the first one to three years, and records of all the initial expenses to be funded.

Approach local banks with your business plan, particularly those with whom you already do business. Your personal bank or bank holding your mortgage or car loan you may already know as a good credit risk and be more likely to make a commercial loan to a person with a proven track record of repayment charge.

Contact the Small Business Administration (see Resources) regarding the various small business loan programs they administer. SBA Small Business Development Centers are located throughout the country that help entrepreneurs prepare their business plans and loan applications prior to submission, and can answer any questions you have to get a loan by means of SBA program.

Angels search in your area and contact them about making an investment in your new business. While some angel investors to lend, the greater the desire will be an equity stake in your company if they invest with you. Provide a copy of your business plan and a repayment schedule in your presentation.

Business Search renowned venture capital nationally and in contact with them to invest in your business. Venture capitalists (VC) to buy stakes in new companies in hopes of huge returns on their sale or initial public offering. Expect to make a detailed presentation of your business plan and answer tough questions from partners. Be ready to yield 20 to 40 percent of ownership, and be aware that most venture capital firms will want to exit your business with a sale or IPO within three to five years of start-ups.