When planning to start a business from the ground up, it's important to take the time needed to file for loans. Usually, the bulk of the time utilized for this is waiting for loan approvals. For small businesses, or any entrepreneur who just wants to save themselves time, it might be a good idea to go for other options aside from conventional ones. There are plenty of loan calculators that can be found on the Internet to help in assessing whether the slightly larger interest rate is a good enough of a compensation for starting earlier. Being able to open the business several months earlier might be all the help you need to get a good start.