Americans know that friendly business loan rates and small business growth are essential to the growth of the economy, and new business owners have many avenues for creating a successful start-up. Recent investigations by the Small Business Administration, which offers SBA loans to small businesses around the country, suggests that small businesses account for over half of all the sales made in the United States each year. Even more importantly, small businesses provide employment for over half the jobs in the country, as well as a significant number of all new jobs created in the country since the 1970s.