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Some say owning a home is the American dream. Millions of small business owners will argue, however, that owning one's own business is really the American dream. But while it offers rewards, owning a business is not easy. Entrepreneurship has its problems, and a critical - and sometimes fatal - one for small businesses can be the lack of access to the financial resources to keep the dream going. The purpose of this paper is to assist small business owners or entrepreneurs who are seeking outside financing for the first time. The goal is to highlight information that prospective borrowers need to know about the credit process before they apply for a loan.
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