Small-business owners might need to get creative if they're looking for financing. In a recent survey by Pepperdine University, almost two-thirds of private companies said they had been denied for a loan, Michelle Fox writes. Some things to consider: If your financing needs are less than $50,000, you might want a microloan provided by the Small Business Administration. Also, don't be afraid to take a bigger loan with a slightly higher interest rate if you need the capital.

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