One of the reasons banks shy away from financing small businesses is the high risk factor. Many small businesses fail, and when that happens, the bank is stuck with a bad loan. But if someone is willing to guarantee the loan, or a substantial part of it, financial institutions are a lot more willing to pony up. It's like having Dad co-sign for that car loan.
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Obtain government funding for your Australian small business. Call 1800 813 863 or write Australia Business Financing Centre, 2/145 Endeavour House, Captain Cook Crescent, Canberra, ACT 2603