The most difficult part about acquiring loans is to convince others about business goals so that they can extend support and provide the required capital for smooth operation of the business. The good thing about the small business loan is that the government continuously offer plans and amend legislation so as to make it easily accessible.The provisions made by the Federal Government on a regular basis by forwarding billions of grants make it feasible for banks to find sufficient credit so as to offer loans to small businesses. It is a fact that the Small Business Administration (SBA) does not directly offer loans to businesses in need. It makes provisions and works with banks to guarantee the loan. The provisions make it easy for a start-up business to find the required capital in the form of Business Start Up loans. Then they can approach leading banks such as J.P. Morgan Chase, Banks of America and others.Loans are being offered at discounted interest rates too depending on a business’s borrowing capability and ability to make returns in time. Big loans are granted to companies seeking acquisition of a new business or hiring of equipments. Loans under the heads of Equipment Financing and Business Acquisition Loans are granted to companies having sound assets. So, the grants make it easier for entrepreneurs to thrive in the competition and emerge successful.Collateral and good credit history are required for lending to small businesses. Companies need to furnish relevant documents that would authenticate their eligibility to acquire the small business loan grants. Thorough scrutiny of the documents furnished is being carried out by banks and private lending institutions before making loans available to businesses. Online applications for such loans can be forwarded to concerned authorities along with credit details. Applications are processed and on ascertaining their credibility, loans are transferred to businesses.