3M serves prospects by means of five enterprise teams, which improve pace and effectivity by sharing technological, manufacturing, marketing and other assets. Some small businesses are additional financed through credit card debt—usually a poor alternative, provided that the rate of interest on bank cards is commonly several times the rate that might be paid on a line of credit score at a financial institution or a bank mortgage Recent analysis suggests that the use of credit scores in small enterprise lending by community banks is surprisingly widespread.

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Small businesses in many international locations include service or retail operations such as comfort stores , small grocery shops , bakeries or delicatessens , hairdressers or tradespeople (e.g., carpenters , electricians ), restaurants , visitor houses , photographers , very small-scale manufacturing , and Internet-associated businesses resembling web design and laptop programming Some professionals function as small businesses, equivalent to attorneys , accountants , dentists and medical medical doctors (though these professionals can also work for giant organizations or firms).