Small businesses fail for many reasons. The most prominent reason for failure issmall business owners' lack of education and knowledge about business finance, particularly in the area of funding (Osei-Assibey, 2010). Funding sources are a common

thread for all small business entrepreneurs; choosing the right funding source for a smallbusiness is vital (Chow & Dunkelberg, 2013). Although many options exist to fund abusiness, some funding options are better choices than others (Atherton, 2012). Without the necessary education and preparation, small business owners often make poordecisions when choosing a source of funding for their businesses (Williams, 2014).