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Feb 9, 201503:05 PMOpen Mic

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5 things small business owners should know about access to capital

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1. How do small business owners feel about access to capital?

Access to capital has been a persistent problem for entrepreneurs, particularly since the recession. While some parts of the business community have found it easier to secure capital, there are significant gaps in critical areas, such as minority and rural communities, as well as for groups of entrepreneurs like women and veterans. Opinion polling done by Small Business Majority found that an overwhelming 90% of small business owners nationwide agree that access to credit for a small business is a problem, with 61% agreeing it’s harder to get a loan now than it was before the 2008 recession.

2. How does crowdfunding relate to access to capital?

Crowdfunding is a method of funding by raising monetary contributions from a large number of people, typically online. Small businesses have seen the rapid growth of alternative sources of capital like crowdfunding, which leaves entrepreneurs at risk due to the lack of fair and clear regulations on this new venture. Policymakers must address the risk that comes with alternative sources of capital that balances very real opportunities without stifling this same innovation that has the potential to create more options and points of access to capital for small businesses.

3. How can lawmakers ensure fair regulation of crowdfunding to protect small businesses?

The JOBS Act of 2012 required the SEC to issue guidance on crowdfunding. Lawmakers should issue these final rules as quickly as possible, with no further delay, and strike the appropriate balance between oversight and opportunity.


Feb 10, 2015 02:23 pm
 Posted by  John

Surprise! A lobbyist thinks we need MORE market intervention by the federal government on behalf of his clients and potential clients. What we (and yes, I run a small business) really need is a simplified tax code, lower tax rates, and LESS legislation out of Washington getting in the way.

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