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One continuously cited difficulty is access to capital. Access to capital is an on-going problem for small firms. This article compares access to capital for men- and girls-owned small enterprise utilizing knowledge from the 1993 National Survey of Small Business Finances. Tauranga Police canine Turk and his handler Senior Constable Derek Orchard are this year's national police patrol canine champions and winners of the Frank Riley Cup. As such, a lot of Helio's devices are expected to be rebranded and refined versions of related devices already offered on the market by SK Telecom overseas. Verify the metal content before negotiating a sale. We provide proof that massive banks ($1 billion or extra in belongings) employ normal standards obtained from financial statements in the loan resolution course of, however that small banks (less than $1 billion belongings) deviate from these standards by relying to a bigger extent upon the character of the borrower. Also offered on the Annual Conference of the United States Association of Small Business and Entrepreneurship, February 8, 2001, Orlando, Florida. This article uses information from the 1993 National Survey of Small Business Finances to find out the extent to which small family-owned firms use numerous sorts of credit score products. Also in "Access to Capital: A Comparison of Men and women-Owned Small Businesses." Paper introduced on the Babson/Kauffman Entrepreneurship Research Conference, May 21, 1998, Ghent, Belgium.