My first business experience was that the SBA was too much red tape and the Wells Fargo Bank attempted to repeatedly and actively rip me off with bank fees. I had an exit strategy and did not lose my shirt but learned a lot of good lessons for the next time I try. Spent over $250k and left behind zero creditors (paid up everyone). Next time around will avoid banks completely and use a credit union. Start a lot smaller (first business was $425k gross starting), enter with an electronic vs brick and mortar store front, no building lease. Other than those lessons I learned everything else worked most excellently including the automated book keeping using intuit software. Always knew exactly where I was financially with intuit software and how much inventory I had on hand. Good luck to anyone that uses the SBA. My feelings is that you do not really need their red tape or their "lessons" to start a business, a lot of it is common sense and if you do your research via the internet and asking other small businesses you should do OK.
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