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http://www.sba.gov/financing/sbaloan/snapshot.html
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Good link. For the OP, there are many variables. Bank loans/lines terms and requirement will differ depending on your biz formation. E.g. are you and LLC, Class C, general partnership? Check out the SBA site for a lot of info. Good luck!
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you are going to spend more in carpal tunnel syndrome treatment after you fill out all the SBA paperwork than you are going to save by simply getting an equity line on the house.