Data provided by ValuBond.

There are four major types of debt financing for a new business; these four types are: Shareholders loans; Canada Small Business Financing Loans; Operating loans; and Term loans.

Interest rates have just about reached their theoretical limit. As of this writing, the most lucrative one-year certificate of deposit available pays 1.1%. Thirty-year mortgages are at around 3.62%, and dropping. Money is cheap right now.

Have you ever borrowed money? Of course you have! Whether we hit our parents up for a few bucks to buy candy as children or asked the bank for amortgage , most of us have borrowed money at some point in our lives.