Amortization Calculator 
A 12 Month Cash Flow Projection is a basic rquirement for any loan application. This easy to use calculator will give you the monthly principal and interest schedule you will need to enter in your projection. .Just enter the loan amount (principal), your estimated interest rate, number of payments per year (normally 12) and total number of payments (based on the expected term of your loan). Be sure to check the box "Show Amortization Schedule" if you want to print the entire schedule.

Borrowing from Friends and Family
Many small businesses borrow from friends and family to get started. SCORE and Circle Lending have developed a free program, "Small Business Financing Guide," that explains how to successfully borrow money from people you know. You need Adobe Acrobat to download and read these files in pdf format.

Free Grants and Loans   
OK, you have heard about those Government grants, direct loans and other government assistance programs to get your small business started. As SCORE counselors we frequently are asked about these programs. This link to the Catalog of Federal Domestic Assistance web site will let you check out all of the possible sources. You can search the database to find assistance programs that meet your requirements, but it is not easy for the typical small business owner to find a program for which they will be eligible. If you do find a possible program you can then contact the office that administers it and find out how to apply.

Federal Grant Resources
The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments

Cascadia Revolving Fund 
A private nonprofit community development financial institution that provides financial and technical assistance to small businesses which are unable to access credit from traditional sources such as a bank. 

Community Capital Development  .Nonprofit organization to develop microenterprise businesses, promote women and minority owned businesses as well as promote new business that will create new jobs and economic advantages for local residents. Three part program includes Management Assistance, Entrepreneurial Training and Financial Assistanc800e.

Washington CASH   A community  based nonprofit organization that provides small loans and training for women with low-incomes, people with disabilities and other financially challenged individuals start and run successful small businesses.