This infographic shows ways small business owners typically get the funding they need.

1. Where Do I Get
the Capital for Growth?
The Typical Way? From Outside Credit.
6%: outsider equity
32%: Business or
personal loans
16%: line of credit
($1 trillion, with
90% via banks and
finance companies)
18%: owner/family
equity or loan
11%: business or
personal credit card
Uses of credit:
Cash flow/Daily Pops 63%
Real Estate/Structures 18.6
Replacement of Assets 32.5
New Assets
37.1
Debt Repayment
23.5
Reserve/Cushion
45.7
Inventory
37.5
18%: other
...But access and approvals are issues
Outcome of most recent attempts for credit:
Small businesses agree:
61% say that it’s
harder to get
loans today
versus 4 years ago.
Financing costs small business
owners significant time & money...
5-6
months
to secure
a loan
Typically
Requires
Visits to
5-6 Banks
$2-20K
Spent to
Get Loans
(and often
rejected)
And nearly all support making
it easier for lenders to lend!
90%
77%
82%
support making it easier for community banks and credit unions
to lend to small businesses
support creating incentives for community banks to lend more.
support tighter credit card regulations, such as clearer disclosure
of terms and caps on interest rates
SOURCES:
• Opinion Survey: Small Business Owner Opinions on Access to Credit and Proposals to Boost the Economy;
http://www.smallbusinessmajority.org/small-business-research/access-to-credit/access-to-credit_opinion-poll.php
• Biz2Credit Small Business Lending Index http://www.biz2credit.com/small-business-lending-index
• NFIB Study: Small Business, Credit Access and a Lingering Recession
http://www.nfib.com/research-foundation/surveys/credit-study-2012
• US Small Business Administration Office of Advocacy http://www.sba.gov/advocacy/