with my good colleague King Marx of the small business page at the

Guardian newspaper of the Philadelphia Inquiry writes for the Hill

he writes for a lot of distinguished publications and he also makes really good

recommendations right now he asked the question, if capital is very

hard, expensive for small businesses, what can they do about it? Is there an easy answer, Jane? an easy answer and by the way capital is still very expensive regardless of

the potential for interest rates to drop that will take a while for it to have its impact and

there are numerous reports that I read showing that banks have

tightened credit availability for small businesses.

So what do you do?

The best place to go if you're a small business, the best place is the small business administration, the SBA.

The SBA has a number of loan programs available for small businesses, very marketable rates,

up to $5 million in loans for working capital lines of credit as well as to

buy property and equipment even buying other business and it's federally guaranteed.

So they do this to a network of member banks and these banks themselves are mandated to loan this money out and if the loans go sour they still get most of their money and return from the federal government.

So you've got much more of a chance of getting your loans there. The other thing I can also

recommend is that there are lending marketplaces. I mean one is lendio comes to mind and

there are competitors to lendio. But they're private loans that are being offered. They're more expensive, but with risk comes return. And if you can prove the return on investment of getting a loan for a piece of equipment or property even if the loan is 12 13

14 percent the capital is out there for you you can get it it's just you got to make

sure that you do the math and make sure you'll make money on it when you get that

loan and we go from do the math and make sure you'll make money on it when you get that low.

And we go from tight money to the question of small businesses and tax credits for 401k's and especially

for Roth options.

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