Searching for a government grant or no-interest loan to start a business? Don't waste your time.

"I've worked in small-business development since 1989 and there have never been any special programs for women and minorities in terms of easier access to money," says Lori Kravets, executive director of the Growth Opportunity Connection, a nonprofit entrepreneurship assistance center in Kansas City, Mo. The SBA does fund women's and minority business centers, but those provide technical assistance, not financing, and "they're no different from what anybody could get at a Small Business Development Center."  View full story...

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