《小公司创业》创业常见问题FAQ
译者: 把眉批拖到这里
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How do I get a small business loan?
You should prepare a business plan, including your loan proposal, and submit it to a local lender. If the lender is unable to approve your loan, you may request that your application be submitted, by the lender, to the SBA. The SBA can guarantee up to 80% of a small business loan; however, the lender must agree to loaning the money with the SBA guarantee. The lender will then forward your loan application and a credit analysis to the nearest SBA District Office. If the lender needs SBA applications and/or guidance it may contact the nearest SBA District Office by going to SBA. Upon SBA approval, the lending institution closes the loan and disburses the funds.
For further information and eligibility requirements, please go to financial assistance basics.
How do I get a small business grant?
At this time, Congress has not set aside any monies for grants to
start and/or expand a small business. SBA does provide a loan guarantee
program for loans made by your local lender. The SBA guarantees loans
that the lender could not normally approve. However, all funding is
handled through your local lender. For basic information visit Grants.
How do I get started in a business?
The U.S. Small Business Administration (SBA) provides a wealth of information on starting a business at the SBA home page sba.gov under "Small Business Planner." You will find information on writing a
business plan as well. You may take advantage of SBA’s resource
partners. The Service Corps of Retired Executives (SCORE) and the Small
Business Development Center (SBDC) provides free one-on-one counseling
to those interested in starting and expanding a business. This includes
critiquing your business plan, legal requirements, marketing, and
licenses needed for your business. To find the location nearest you,
please visit us at SBA and click on your state.
How do I get a business license?
Licensing is generally handled through your state or local
government. You will need to consult your local telephone directory in
the "Government" section for an office that will assist you with a
license or permit. See SBA here.
For FREE one-on-one counseling, please go to SBA's home page sba.gov and select "Local Resources" for an area local contact nearest you. The
Service Corps of Retired Executives and the Small Business Development
Center can assist you with your business venture.
How do I write a business plan?
If you go to SBA's home page sba.gov and select "Writing a Business Plan" under “Small Business Planner.”
You will find information on starting a business and writing a business
plan. Under "SBA local resources" you can find local contacts such as
the Service Corps of Retired Executives and the Small Business
Development Center that provide FREE one-on-one counseling in the area
of starting and expanding a small business. They can assist you by
critiquing your business plan and your business ideas. You can locate a
center by selecting "Local Resources" under sba.gov as well.
What type of collateral do I need for a loan?
Repayment ability from the cash flow of the business is a primary
consideration in the SBA loan decision process but good character,
management capability, collateral, and owner's equity contribution are
also important considerations. All owners of twenty percent (20%) or
more of the business are required to personally guarantee SBA loans.The
SBA does not deny approval for a SBA Guarantee Loan solely due to lack
of collateral; however, it can be used as a reason in addition to other
credit factors. For more information on requirements on a SBA Guarantee
Loan as well as our guarantee loan programs available, please visit us
at SBA.
Is there any business assistance available in my area?
Yes. There are 12,400 Service Corps of Retired Executives (SCORE) chapters and approximately 1,000 Small Business Development Centers (SBDC) nationwide. SCORE provides free expert advice based on many years of firsthand experience and shared knowledge on virtually every aspect of business. The SBDC provides a variety of management and technical assistance services to small businesses and potential entrepreneurs. To locate the nearest SCORE or SBDC in your area, please visit us at SBA and click on your state.
准备工作
怎样获得小企业贷款？
你要准备一份商业计划，包括你的贷款申请书，并递交给当地的放贷机构。如果该机构不能核准给你发放贷款，你可以要求该机构将你的申请提交给SBA.SBA能为80%小企业贷款的发放提供担保；但前提是贷款机构必须接受SBA的担保。之后放贷机构会将你的贷款申请和信誉资审材料转发给就近的SBA地区办事处。如果放贷机构需要SBA方面的申请或指导，他可以直接前往就近的SBA机构进行办理。收到SBA的认可之后，放贷机构就会关闭此放贷申请并支付贷款。
详情及资格需求查询，请访问基础财政援助
怎样得到小企业财政拨款？
现阶段，国会在以一切可利用的资金来支持小企业的建立和发展。SBA就可以为您提供贷款担保计划。SBA通常可以就放贷机构不能核准的贷款为您提供担保。但是所有的资金运作都是由当地的放贷机构来完成的。详请请访问财政拨款
怎样开办一个企业？
美国小企业协会（SBA）的网站上sba.gov上为您提供了丰富的信息资源，在“小企业计划”分类下你还可以找到撰写商业计划的信息。你还可以从SBA的合作资源中受益。离退休管理人员服务组织（SCORE）以及小企业发展中心（SBDC）都为创业人员及公司的发展决策者提供一对一的咨询服务。这其中包括商业计划的诊断，法律援助，营销及营业执照的取得。访问SBA的网站，点击你所在的州，可以找到距你最近的SBA办公地点。
怎样获得营业执照？
营业执照的颁发通常需要经过当地或州政府来完成。你可以查查本地的电话黄页，在“政府”部分寻觅相关协助授权机构的电话。你可以在SBA的网站上sba.gov了解免费一对一咨询服务，选择本地区离你最近的联系人。离退休管理人员服务组织或是小企业发展中心都会为您的商业计划提供帮助。
怎样撰写商业计划？
打开SBA的首页sba.gov选择“小企业计划”栏目下的“撰写商业计划”项。你就可以查到开创小企业及撰写商业计划的内容。在“SBA本地资源”项下你可以看到SCORE和SBDC提供创业发展的免费一对一咨询服务。他们会协助诊断你的商业计划以及理念。在sba.gov的“本地资源”栏目里去找就近的服务中心吧。
我需要何种贷款抵押？
企业的现金流偿还能力是SBA贷款决策过程中考虑的主要因素。但良好的个性，管理能力，财产抵押以及其他同等的资质也都十分重要。所有持公司资产20%以上的所有者都需要以个人名义对SBA进行担保。SBA不会仅以缺乏担保物为由而拒绝贷款；但是：这条可以作为其他信誉因素以外的附加理由。想了解SBA贷款担保所需条件的更多内容以及现有的担保计划，请访问SBA的主页。
我所在地区有商业支持措施吗？
是的，SCORE有12，400个分会，SBDC在全国范围内有将近1，000个服务中心。SCORE基于多年的第一手经历和商业往来中近乎各个方面的积淀提供免费的专家建议.SBDC为可能的创业者和小企业提供广泛的管理及技术方面的支持服务。访问SBA的主页点选你所在的州以搜索离你最近的SCORE及SBDC办公地点。
