any advice on getting the money to start a business?

we plan to open a small business which needs about 200k-250k investment. We have only 100k cash at hand.

Can anyone help us to decide on the ways to get the initial money?

1. take money from our 401k account. I am not sure if we need to pay any penalty or not; we need to pay for the tax, right?

2. try to get a SBA from bank which I heard is very hard at this time;

3. borrow money from family. My parents said that they can sell one house in Bejing. (it's the SI He Yuan) is this a good time to sell?

Please give me your advice.

Thanks a lot!

所有跟帖： 

• 用你家的四合院抵押贷款可以吗？卖了太可惜 -wawahua- ♀ (20 bytes) () 11/07/2009 postreply 23:14:43

• 回复：用你家的四合院抵押贷款可以吗？卖了太可惜 -mychildsmom- ♀ (70 bytes) () 11/08/2009 postreply 07:55:00

• 现在国内贷款很容易 -wawahua- ♀ (0 bytes) () 11/09/2009 postreply 10:34:04

• What kind of small business in your mind? If you -bujidele- ♀ (194 bytes) () 11/08/2009 postreply 07:12:54

• 回复：What kind of small business in your mind? If you -mychildsmom- ♀ (133 bytes) () 11/08/2009 postreply 07:53:39

• 昏倒，你连做什么都还没谱，就合计着父母的房子~~ -wawahua- ♀ (0 bytes) () 11/09/2009 postreply 10:38:40

• where did you see '连做什么都还没谱'? -mychildsmom- ♀ (8 bytes) () 11/10/2009 postreply 18:51:35

• 要写个好的BusinessProposal,5-10yr(潜在)回报.圈这点钱没问题的 -WayCool- ♂ (216 bytes) () 11/08/2009 postreply 08:49:11

• 回复：要写个好的BusinessProposal,5-10yr(潜在)回报.圈这点钱没问题的 -mychildsmom- ♀ (40 bytes) () 11/10/2009 postreply 18:52:45

• silent parter：只投资（拿钱），不谋事 -WayCool- ♂ (0 bytes) () 11/11/2009 postreply 07:22:39

• thanks! -mychildsmom- ♀ (0 bytes) () 11/11/2009 postreply 08:19:44