These days, there are so many types of small business startup loans. And many entrepreneurs wonder if they are really needed by someone who has just entered the business world. The fact that the business is not yet established only means it still doesn't have a stable income to pay for the loan. Well, small business loans are meant to assist small entrepreneurs to be competitive in one's business. To protect the loan applicant, free business loan calculators are available, so the applicant will know how much to prepare each month for loan repayment. There are other ways to maximize one's operating capital. One is by outsourcing your business payroll. This means the business owner doesn't need to hire someone to process payroll but to avail of business payroll services which is a lot cheaper. This lowers down one's expenses.