If you are thinking of starting a new small business or have an existing business that you are expanding then it's likely you'll need some form of financing to get things started or to improve your immediate cash flow Certainly new business owners find things difficult when it comes to financing because a) they have no business and therefore no assets to secure any new debt against and b) they don't want to secure any business loan against their main personal assets for example their house because of the risk it imposes