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    <title>Home: Message List - I am new to investing, I might need it for my business?</title>
    <link>http://smallbusinessonlinecommunity.bankofamerica.com/community/forum/loansandlinesofcredit?view=discussions</link>
    <description>Most recent forum messages</description>
    <language>en</language>
    <pubDate>Sun, 11 Jan 2009 23:09:26 GMT</pubDate>
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    <dc:date>2009-01-11T23:09:26Z</dc:date>
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    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55865&amp;amp;tstart=0#55865</link>
      <description>I don't think you will be able to get a micro-loan anytime soon.  The SBA is cutting back and it is getting tougher for anyone to get financing, close to impossible right now.&lt;br /&gt;
&lt;br /&gt;
What type of personal or business credit do you have?&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
Sincerely,&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
Ilya Bodner&lt;br /&gt;
Small Business Owner&lt;br /&gt;
Initial Underwriting Group</description>
      <pubDate>Sun, 11 Jan 2009 21:42:02 GMT</pubDate>
      <author>ilyab0dner</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55865&amp;amp;tstart=0#55865</guid>
      <dc:date>2009-01-11T21:42:02Z</dc:date>
      <clearspace:dateToText>Jan 11, 2009 6:09 PM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55842&amp;amp;tstart=0#55842</link>
      <description>&lt;br /&gt;
Glad to see someone so young already be a serial entrepreneur.  Glad that you are sticking with it.&lt;br /&gt;
&lt;br /&gt;
Marketing is not cheap, especially offline - online would be much cheaper.&lt;br /&gt;
&lt;br /&gt;
If I were in your position, I would think about asking family and friends for monetary help.  They know you best and should have faith in you.&lt;br /&gt;
&lt;br /&gt;
Also could try credit cards (a typical bootstrapping method) even though you are young and probably don't have established credit.  If you are going to college, many banks offer student loans.&lt;br /&gt;
&lt;br /&gt;
I would also suggest usuing peer-to-peer lending sites.  On these sites, you create a loan request - thus you tell your story.  Then, other regular individuals see your request and bid on your interest rate.  If enough come together to fund your loan request at an agreed upon amount, then the deal is done - you have your money.  Try sites like propser, zopa, or All World Privte Funding.&lt;br /&gt;
&lt;br /&gt;
You could also look into a micro-loan - even though you do not have established credit - as long as it is not bad credit, they may fund you a small amount.  Get up to $25K.&lt;br /&gt;
&lt;br /&gt;
I am telling you this because I love to help new businesses.  I also have a company that helps businesses find growth capital.  And, we need as many new businesses in this country as we can get.  I am also from Texas.</description>
      <pubDate>Sun, 11 Jan 2009 17:12:34 GMT</pubDate>
      <author>bmt2008</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55842&amp;amp;tstart=0#55842</guid>
      <dc:date>2009-01-11T17:12:34Z</dc:date>
      <clearspace:dateToText>Jan 11, 2009 12:31 PM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55750&amp;amp;tstart=0#55750</link>
      <description>very good&lt;br /&gt;
i used mozila and opera browsers, and could not sea alternative text on mouse over&lt;br /&gt;
but then i looked at site using internet explorer and text appeared&lt;br /&gt;
thank you very much&lt;br /&gt;
regards&lt;br /&gt;
Dmitry</description>
      <pubDate>Sat, 10 Jan 2009 08:12:04 GMT</pubDate>
      <author>gegrus</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55750&amp;amp;tstart=0#55750</guid>
      <dc:date>2009-01-10T08:12:04Z</dc:date>
      <clearspace:dateToText>Jan 10, 2009 3:12 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55743&amp;amp;tstart=0#55743</link>
      <description>I said a banner ad or a text link, sorry, It would mess up the template if i did both.&lt;br /&gt;
&lt;br /&gt;
If you hover your mouse over the image the text should show</description>
      <pubDate>Sat, 10 Jan 2009 07:22:37 GMT</pubDate>
      <author>bigideaguy</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55743&amp;amp;tstart=0#55743</guid>
      <dc:date>2009-01-10T07:22:37Z</dc:date>
      <clearspace:dateToText>Jan 10, 2009 2:22 AM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55741&amp;amp;tstart=0#55741</link>
      <description>Markus&lt;br /&gt;
Thank you very much&lt;br /&gt;
my logo looks brilliant on your site&lt;br /&gt;
&lt;br /&gt;
can you put there some text i sent you ?&lt;br /&gt;
if no don't worry&lt;br /&gt;
Thanks again&lt;br /&gt;
and good luck&lt;br /&gt;
Dmitry</description>
      <pubDate>Sat, 10 Jan 2009 07:20:20 GMT</pubDate>
      <author>gegrus</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55741&amp;amp;tstart=0#55741</guid>
      <dc:date>2009-01-10T07:20:20Z</dc:date>
      <clearspace:dateToText>Jan 10, 2009 2:20 AM</clearspace:dateToText>
      <clearspace:replyCount>2</clearspace:replyCount>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55738&amp;amp;tstart=0#55738</link>
      <description>Luckiest,&lt;br /&gt;
&lt;br /&gt;
Please send me an email, I am very interested in discussing business with you.&lt;br /&gt;
&lt;br /&gt;
Regards,&lt;br /&gt;
Markus</description>
      <pubDate>Sat, 10 Jan 2009 06:15:16 GMT</pubDate>
      <author>bigideaguy</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55738&amp;amp;tstart=0#55738</guid>
      <dc:date>2009-01-10T06:15:16Z</dc:date>
      <clearspace:dateToText>Jan 10, 2009 1:15 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55669&amp;amp;tstart=0#55669</link>
      <description>Yes i did, I ran to the store!</description>
      <pubDate>Fri, 09 Jan 2009 17:51:07 GMT</pubDate>
      <author>cloptonashley</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55669&amp;amp;tstart=0#55669</guid>
      <dc:date>2009-01-09T17:51:07Z</dc:date>
      <clearspace:dateToText>Jan 9, 2009 12:51 PM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55678&amp;amp;tstart=0#55678</link>
      <description>ok, i just sent my e-mail&lt;br /&gt;
in case you did not get it yet&lt;br /&gt;
here it is&lt;br /&gt;
tdmitry999@rambler.ru</description>
      <pubDate>Fri, 09 Jan 2009 17:07:40 GMT</pubDate>
      <author>gegrus</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55678&amp;amp;tstart=0#55678</guid>
      <dc:date>2009-01-09T17:07:40Z</dc:date>
      <clearspace:dateToText>Jan 9, 2009 12:07 PM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55663&amp;amp;tstart=0#55663</link>
      <description>Hello!</description>
      <pubDate>Fri, 09 Jan 2009 16:17:31 GMT</pubDate>
      <author>cloptonashley</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55663&amp;amp;tstart=0#55663</guid>
      <dc:date>2009-01-09T16:17:31Z</dc:date>
      <clearspace:dateToText>Jan 9, 2009 11:17 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: I am new to investing, I might need it for my business?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55651&amp;amp;tstart=0#55651</link>
      <description>do you have an email? please email me at webmaster@markspixel.com</description>
      <pubDate>Fri, 09 Jan 2009 16:05:45 GMT</pubDate>
      <author>bigideaguy</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=55651&amp;amp;tstart=0#55651</guid>
      <dc:date>2009-01-09T16:05:45Z</dc:date>
      <clearspace:dateToText>Jan 9, 2009 11:05 AM</clearspace:dateToText>
      <clearspace:replyCount>2</clearspace:replyCount>
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