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the situation may involve a personal grarntuaranty. it s important to keep your credit source good so having a savings account on your own doesn t mean you want to use that for your business but you can leverage it for a bank lone. it could be a line of credit or a bank lone and there s a subtle difference between the two. one has a fixed rate whereas a line of credit has a variable rate. you should look at those as well. the sba provides government loans also requiring a guarantee, but you can use your personal assets as heather said to boost what amount of money they give you. the next question about the possibility of competition. how do you get a step ahead of competitors that are entering the marketplace? i think this is an interesting question right, because you want to be aware of what s going on around you but you don t want to be so focused on it that you re so scared that you re making bad decisions. ....