The SBDC makes no loans and is not aware of any grants for most business ventures. The SBDC can help you identify what financing you may need and discuss alternative sources. We can also advise you how to improve a loan application and business plan. Frequently our clients find that loan guarantee programs of the Small Business Administration (SBA) are an attractive source of financing. In many circumstances, however, and in most cases for startups, entrepreneurs must turn to their own savings, to friends and family, or to their personal credit cards to nance business ventures.