There is no shortage of small businesses in the United States. Currently, there about 28 million throughout the country, and Forbes estimates that 543,000 open each month. These businesses, which by definition employ fewer than 500 people, are based out of homes more often than they’re based out of offices, perhaps because so many are budget conscious. In fact, in 2011 alone, about 800,000 small businesses received business loans in the U.S. Loans can be excellent for improving cash flow or enabling businesses to make necessary, but expensive purchases.

One type of loan, Read More