After tightening greatly during the Great Recession, small business borrowing had been becoming more available.
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Share of Small Business Owners Borrowing Against Home Equity to Finance Their Businesses, 2000-2007.
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Rohit Arora, CEO of Biz2Credit, says that in his experience, many women business owners start out borrowing for their businesses on personal credit cards, instead of establishing credit in the name of their businesses.
The ONS does not consider business loans to be "liquid assets" for these purposes, so any borrowing for programmes to support business lending - for example, to buy corporate bonds or packages of small business loans - would be included in Public Sector Net Debt.
Simply put, companies that can borrow at lower cost than their business partners should do the borrowing.
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Zopa's business as a lending and borrowing exchange is quite new and does not fall under any of the existing regulatory categories, and as a result the FSA would need an act of parliament to create a new one.
So 4.0% is very conservative as an estimate of borrowing cost for small business.
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What that means is that most of the banks have the ability to hit their small business lending targets by increasing the borrowing limits of their existing reliable customers, whether or not those customers have demanded or want an increased overdraft.
Liberal Democrat Business Secretary Vince Cable has suggested that borrowing more to fund capital spending could boost the economy.
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Corporate earnings are robust and lenders desperate for business, so private-equity owners are borrowing still more against firms' growing cashflow.
He said Welsh Secretary David Jones is working very closely with Welsh First Minister Carwyn Jones (no relation) at "a raft of specific measures", among them possible new borrowing powers for Wales or the business case for electrification of the north Wales railway.
It's good business for the banks and it is lowering the borrowing costs of countries at risk.
The thing about borrowing is that interest costs burden your business.
The slowdown in India's growth had resulted in calls from both the government and business for the central bank to lower the cost of borrowing.
The Post Office's management, for its part, believes that the Treasury might be prepared to bend its borrowing rules if it was persuaded that the business was going to be subject to private-sector disciplines.
Braintree Tory MP Brooks Newmark stressed his Welsh credentials - "my family had a steel business in Wales" - before raising concerns about borrowing powers "I'm concerned that ultimately UK plc will foot the bill if things go wrong".
Personal borrowing plays a key role in how many small business people finance their companies.
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Conservative MPs have called for tax cuts in the Budget later this month, while Lib Dem Business Secretary Vince Cable has urged ministers to relax the stance on borrowing to allow more targeted spending on capital projects such as construction and transport.
For example, a drop in Treasury yields would lower borrowing costs for consumers and businesses, helping to stimulate consumption, business investment and housing.
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Mortgage lenders have been falling over backwards to win their business with special deals, designed to bring down still further the initial cost of borrowing.
Borrowing costs have been cut nearly in half as creditors take note of diminishing business risk.
Borrowing costs may rise, which could prompt non-American companies to take business elsewhere.
Writing in the New Statesman, Lib Dem Business Secretary Vince Cable suggested the government might need to change course on the economy and consider borrowing more.
However, shadow business secretary Alan Duncan accused ministers of "raiding" the pension fund to "bail out government borrowing".
That augurs well for higher business investment in 2011, led by big firms able to invest out of their own resources or by borrowing on the capital markets, and so unhindered by banks' reluctance to lend.
In the second quarter of 2011, three out of ten small business owners reported that credit was difficult to get over the previous 12 months and 36 percent reported that borrowing would be tough to access over the coming year.
Other popular methods are borrowing money from family and friends, using home equity lines of credit, bank loans, Small Business Association loans, and even credit cards (Hisrich, et al., 2010, p. 310-313).
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Are small business owners, who now have greater access to capital due to the laws passed under the Obama presidency, not borrowing because they do not like to borrow and accrue debt?
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