In a recent report, the Kauffman Foundation noted that bank debt was the main source of outside capital for start-ups. More specifically, small banks appeared to be best at servicing this market need. personal savings was the number one source of capital for entrepreneurs.

In descending order, capital came from the following top 5 sources:

1. personal savings
2. bank loans
3. credit cards
4. family
5. business acquaintances

http://www.kauffman.org/what-we-do/resources/entrepreneurship-policy-digest/how-entrepreneurs-access-capital-and-get-funded

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