... for a small business loan, lenders look at basic factors such as the applicant's collateral, working capital, experience, and their ability to repay. A major factor that plays a role in a ... programs that are available from banks in your area? • Take time to shop around and compare interest rates carefully, as they can vary significantly. Negotiate with the bank manager to get ... stationary, marketing materials, advertising, PR, trade-shows, etc (f) Wages and benefits: salaries, taxes, health insurance, workers comp, etc A Brief Guide to Starting a Home Based Business 18©...