When starting a business, one of the most significant factors is where the business will derive its start up capital. There are various sources to consider. Initially, one should review his or her own personal savings. If one owns a home, consider the value in the home. For example, a home equity line of credit or a second mortgage could be a possible source of funding. In addition, a business loan may be sought from a bank. Furthermore, first time business owners may be able to obtain a microloan from economic development agencies. Also, there may be government grants available, particularly for women and minority-owned businesses. Moreover, family and friends may have an interest in assisting with funding. Finally, customers and suppliers may also be interested in contributing to one's business.