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Accessing "cost-effective" capital is arguably the most significant challenge facing small business owners. Sourcing and securing capital to start a business or assist with a business' expansion or restructuring requires intimate knowledge of the expectations of lenders (including banks, angel investors and venture capitalists), the capital markets and the financing process. SBCC can assist with preparing business plans and financing proposals, educating the business owner on the financing process, as well as identifying potential sources of capital.