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Assuming you dont have a ready line of credit, an expansive bank manager, wealthy relatives or a substantial stash of retirement savings youre willing to risk, youre going to have to do some serious homework and legwork. Fortunately, there are a number of sources of finance for the fledgling small business entrepreneur, at least one of which may be right for you. SBA LOANSAvailable only to U. S. -based businesses (but look for similar programs in your own country if youre outside the U. S. ), the SBA (the U.