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    Trends indicate that entrepreneurship is quickly becoming a fabric in American culture. Yet, while there are many opportunities for securing personal wealth through business ownership, access to capital continues to be a hurdle for most start-up companies.

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    Thanks to a new small business initiative, the hurdle has become a little less painful. Through the SBA CommunityExpress loan program, start-ups a

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    iness initiative, the hurdle has become a little less painful. Through the SBA CommunityExpress loan program, start-ups and existing businesses alike can apply for a "Small Office/Home Office" (So-Ho) homebased business loan without a business plan.

    Business loan amounts are available from $5,000 to $15,000 and no business plan is required. This may not seem like much to some business owners, but the most successful companies have started out by getting micro-loans. In fact, the SBA cited that most homebased businesses required $10,000 or less to get started. Examples of companies that started wi

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