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This study aims to explore the strategies small business owners use to obtain working capital necessary for long-term sustainability.

May 22, 2026Open Access

Strategies to Obtain Working Capital for Small Businesses

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This study aims to explore the strategies small business owners use to obtain working capital necessary for long-term sustainability.
Qualitative multiple-case study design involving eight small business owners in Maryland.
Data collection through semistructured one-on-one interviews and public documents.
Thematic analysis was performed using Yin’s five-phase process.
Participants identified key strategies: financing through retained earnings and nontraditional lending sources.
Access to external funding was limited in early business years; reliance on it increased during critical stages.
Emphasis on minimizing operational costs was crucial for sustaining operations.

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Implication

Qualitative case study explores effective funding strategies for small business sustainability beyond five years, suggesting key implications for success.

Cite This Study

Solomon Atamaya (2026) studied this question.

synapsesocial.com/papers/6a0ff374d674f7c03778c2f6 https://doi.org/10.5281/zenodo.20305356

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Implication

Qualitative case study explores effective funding strategies for small business sustainability beyond five years, suggesting key implications for success.

Strategies to Obtain Working Capital for Small Businesses

Key Points

Discussion

Implication

Cite This Study

Strategies to Obtain Working Capital for Small Businesses

Key Points

Discussion

Implication

Cite This Study

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