Government generally does not lend a money directly to business owners. It guaranties the banks for the money lent to business owners. In other words, if the borrower fails to payback the loan, government can pay the spesific portion of the loan. Because of this guaranty, financial instutions are more willing to borrow because their risk are reduced. Therefore, even though business owners are not qualify for traditional loans, they can obtain government guaranty small business loans.

You can get information from commercial bank and also from related goverment agencies. Lenders have all the papers you need for applying government guaranty loans. They can urge you to apply that because their risk are reduced.

There are lots of government loan programs available for business owners. Each program is designed to give solutions to spesific situations. There are some paper work to do and you can find detail information at SBA – Small Business Administration-.