Someone told me to obtain one, but I don't know if I should or not. I looked on the website and info for Oklahoma's office. Its really hard to understand and do all of those mumbo jumbo. There are loans, grants, bonds, and all sort of options. On there said that small business typically need at least $13,000 upward to $50,000 to startup, but I don't need that much. Can anyone help me on what is best for me to do? One-on-one? And take me through all of these stuff? I'm mostly curious about the grants portion, because I think that Oklahoma will do whatever it takes to keep economy strong by offering such incentives to new business owners. A loan may be okay, but I don't need much and I wonder if its short or long term and the amount of monthly repayment. Does this go by a person's (me) credit scores/history or mainly for the business? I can never obtain a loan on my own, so I don't know what I can do for my business. I know that my business will be successful due to key advantages, but I'd like a jumpstart rather than monthly saving up delaying store opening. Fish and aquarium business is big business, because new customers starting up an aquarium spend on average at least $500 depending on size. I would really like it if someone can meet with me and help me through on this SBA options. I'm not that smart enough to handle it myself, especially being new to those legal/government system.