id	sid	tid	token	lemma	pos
bmra-9917	1	1	business	business	NOUN
bmra-9917	1	2	management	management	NOUN
bmra-9917	1	3	research	research	NOUN
bmra-9917	1	4	and	and	CCONJ
bmra-9917	1	5	applications	application	NOUN
bmra-9917	1	6	:	:	PUNCT
bmra-9917	1	7	a	a	DET
bmra-9917	1	8	cross	cross	ADJ
bmra-9917	1	9	disciplinary	disciplinary	ADJ
bmra-9917	1	10	journal	journal	NOUN
bmra-9917	1	11	1	1	NUM
bmra-9917	1	12	strategies	strategy	NOUN
bmra-9917	1	13	to	to	PART
bmra-9917	1	14	obtain	obtain	VERB
bmra-9917	1	15	working	working	NOUN
bmra-9917	1	16	capital	capital	NOUN
bmra-9917	1	17	for	for	ADP
bmra-9917	1	18	small	small	ADJ
bmra-9917	1	19	businesses	business	NOUN
bmra-9917	1	20	:	:	PUNCT
bmra-9917	1	21	a	a	DET
bmra-9917	1	22	qualitative	qualitative	ADJ
bmra-9917	1	23	multiple	multiple	ADJ
bmra-9917	1	24	case	case	NOUN
bmra-9917	1	25	study	study	NOUN
bmra-9917	1	26	solomon	solomon	PROPN
bmra-9917	1	27	atamaya	atamaya	PROPN
bmra-9917	1	28	,	,	PUNCT
bmra-9917	1	29	dba	dba	PROPN
bmra-9917	1	30	|	|	ADV
bmra-9917	1	31	walden	walden	PROPN
bmra-9917	1	32	university	university	PROPN
bmra-9917	1	33	,	,	PUNCT
bmra-9917	1	34	minneapolis	minneapolis	PROPN
bmra-9917	1	35	,	,	PUNCT
bmra-9917	1	36	mn	mn	PROPN
bmra-9917	1	37	,	,	PUNCT
bmra-9917	1	38	usa	usa	PROPN
bmra-9917	1	39	jodine	jodine	PROPN
bmra-9917	1	40	marie	marie	PROPN
bmra-9917	1	41	burchell	burchell	PROPN
bmra-9917	1	42	,	,	PUNCT
bmra-9917	1	43	ph.d	ph.d	PROPN
bmra-9917	1	44	.	.	PUNCT
bmra-9917	2	1	|	|	PROPN
bmra-9917	2	2	columbia	columbia	PROPN
bmra-9917	2	3	southern	southern	PROPN
bmra-9917	2	4	university	university	PROPN
bmra-9917	2	5	,	,	PUNCT
bmra-9917	2	6	orange	orange	PROPN
bmra-9917	2	7	beach	beach	PROPN
bmra-9917	2	8	,	,	PUNCT
bmra-9917	2	9	alabama	alabama	PROPN
bmra-9917	2	10	,	,	PUNCT
bmra-9917	2	11	usa	usa	PROPN
bmra-9917	2	12	https://orcid.org/0000-0003-4927-5489	https://orcid.org/0000-0003-4927-5489	PROPN
bmra-9917	2	13	contact	contact	NOUN
bmra-9917	2	14	:	:	PUNCT
bmra-9917	2	15	satamaya@gmail.com	satamaya@gmail.com	X
bmra-9917	3	1	abstract	abstract	ADJ
bmra-9917	3	2	small	small	ADJ
bmra-9917	3	3	business	business	NOUN
bmra-9917	3	4	owners	owner	NOUN
bmra-9917	3	5	who	who	PRON
bmra-9917	3	6	can	can	AUX
bmra-9917	3	7	not	not	PART
bmra-9917	3	8	access	access	VERB
bmra-9917	3	9	working	work	VERB
bmra-9917	3	10	capital	capital	NOUN
bmra-9917	3	11	risk	risk	NOUN
bmra-9917	3	12	business	business	NOUN
bmra-9917	3	13	survival	survival	NOUN
bmra-9917	3	14	through	through	ADP
bmra-9917	3	15	liquidity	liquidity	NOUN
bmra-9917	3	16	shortages	shortage	NOUN
bmra-9917	3	17	,	,	PUNCT
bmra-9917	3	18	lost	lose	VERB
bmra-9917	3	19	customers	customer	NOUN
bmra-9917	3	20	,	,	PUNCT
bmra-9917	3	21	and	and	CCONJ
bmra-9917	3	22	falling	fall	VERB
bmra-9917	3	23	profitability	profitability	NOUN
bmra-9917	3	24	.	.	PUNCT
bmra-9917	4	1	the	the	DET
bmra-9917	4	2	purpose	purpose	NOUN
bmra-9917	4	3	of	of	ADP
bmra-9917	4	4	this	this	DET
bmra-9917	4	5	qualitative	qualitative	ADJ
bmra-9917	4	6	multiple	multiple	ADJ
bmra-9917	4	7	case	case	NOUN
bmra-9917	4	8	study	study	NOUN
bmra-9917	4	9	grounded	ground	VERB
bmra-9917	4	10	in	in	ADP
bmra-9917	4	11	the	the	DET
bmra-9917	4	12	pecking	pecking	NOUN
bmra-9917	4	13	order	order	NOUN
bmra-9917	4	14	theory	theory	NOUN
bmra-9917	4	15	was	be	AUX
bmra-9917	4	16	to	to	PART
bmra-9917	4	17	explore	explore	VERB
bmra-9917	4	18	the	the	DET
bmra-9917	4	19	strategies	strategy	NOUN
bmra-9917	4	20	employed	employ	VERB
bmra-9917	4	21	by	by	ADP
bmra-9917	4	22	small	small	ADJ
bmra-9917	4	23	business	business	NOUN
bmra-9917	4	24	owners	owner	NOUN
bmra-9917	4	25	to	to	PART
bmra-9917	4	26	obtain	obtain	VERB
bmra-9917	4	27	working	working	NOUN
bmra-9917	4	28	capital	capital	NOUN
bmra-9917	4	29	for	for	ADP
bmra-9917	4	30	business	business	NOUN
bmra-9917	4	31	continuity	continuity	NOUN
bmra-9917	4	32	beyond	beyond	ADP
bmra-9917	4	33	5	5	NUM
bmra-9917	4	34	years	year	NOUN
bmra-9917	4	35	.	.	PUNCT
bmra-9917	5	1	the	the	DET
bmra-9917	5	2	participants	participant	NOUN
bmra-9917	5	3	included	include	VERB
bmra-9917	5	4	8	8	NUM
bmra-9917	5	5	small	small	ADJ
bmra-9917	5	6	business	business	NOUN
bmra-9917	5	7	owners	owner	NOUN
bmra-9917	5	8	in	in	ADP
bmra-9917	5	9	maryland	maryland	NOUN
bmra-9917	5	10	with	with	ADP
bmra-9917	5	11	successful	successful	ADJ
bmra-9917	5	12	strategies	strategy	NOUN
bmra-9917	5	13	to	to	PART
bmra-9917	5	14	obtain	obtain	VERB
bmra-9917	5	15	working	working	NOUN
bmra-9917	5	16	capital	capital	NOUN
bmra-9917	5	17	for	for	ADP
bmra-9917	5	18	business	business	NOUN
bmra-9917	5	19	continuity	continuity	NOUN
bmra-9917	5	20	beyond	beyond	ADP
bmra-9917	5	21	5	5	NUM
bmra-9917	5	22	years	year	NOUN
bmra-9917	5	23	.	.	PUNCT
bmra-9917	6	1	data	datum	NOUN
bmra-9917	6	2	were	be	AUX
bmra-9917	6	3	collected	collect	VERB
bmra-9917	6	4	through	through	ADP
bmra-9917	6	5	semistructured	semistructure	VERB
bmra-9917	6	6	1	1	NUM
bmra-9917	6	7	-	-	PUNCT
bmra-9917	6	8	on-1	on-1	ADP
bmra-9917	6	9	interviews	interview	NOUN
bmra-9917	6	10	.	.	PUNCT
bmra-9917	7	1	thematic	thematic	ADJ
bmra-9917	7	2	analysis	analysis	NOUN
bmra-9917	7	3	followed	follow	VERB
bmra-9917	7	4	yin	yin	PROPN
bmra-9917	7	5	’s	’s	PART
bmra-9917	7	6	(	(	PUNCT
bmra-9917	7	7	2017	2017	NUM
bmra-9917	7	8	)	)	PUNCT
bmra-9917	7	9	5	5	NUM
bmra-9917	7	10	-	-	PUNCT
bmra-9917	7	11	phase	phase	NOUN
bmra-9917	7	12	process	process	NOUN
bmra-9917	7	13	of	of	ADP
bmra-9917	7	14	compiling	compile	VERB
bmra-9917	7	15	,	,	PUNCT
bmra-9917	7	16	disassembling	disassemble	VERB
bmra-9917	7	17	,	,	PUNCT
bmra-9917	7	18	reassembling	reassemble	VERB
bmra-9917	7	19	,	,	PUNCT
bmra-9917	7	20	interpreting	interpreting	NOUN
bmra-9917	7	21	,	,	PUNCT
bmra-9917	7	22	and	and	CCONJ
bmra-9917	7	23	concluding	concluding	NOUN
bmra-9917	7	24	.	.	PUNCT
bmra-9917	8	1	five	five	NUM
bmra-9917	8	2	key	key	ADJ
bmra-9917	8	3	themes	theme	NOUN
bmra-9917	8	4	emerged	emerge	VERB
bmra-9917	8	5	:	:	PUNCT
bmra-9917	8	6	(	(	PUNCT
bmra-9917	8	7	a	a	X
bmra-9917	8	8	)	)	PUNCT
bmra-9917	8	9	financing	financing	NOUN
bmra-9917	8	10	through	through	ADP
bmra-9917	8	11	retained	retain	VERB
bmra-9917	8	12	earnings	earning	NOUN
bmra-9917	8	13	,	,	PUNCT
bmra-9917	8	14	(	(	PUNCT
bmra-9917	8	15	b	b	NOUN
bmra-9917	8	16	)	)	PUNCT
bmra-9917	8	17	financing	financing	NOUN
bmra-9917	8	18	through	through	ADP
bmra-9917	8	19	nontraditional	nontraditional	ADJ
bmra-9917	8	20	lending	lending	NOUN
bmra-9917	8	21	sources	source	NOUN
bmra-9917	8	22	,	,	PUNCT
bmra-9917	8	23	(	(	PUNCT
bmra-9917	8	24	c	c	X
bmra-9917	8	25	)	)	PUNCT
bmra-9917	8	26	limited	limited	ADJ
bmra-9917	8	27	access	access	NOUN
bmra-9917	8	28	to	to	ADP
bmra-9917	8	29	external	external	ADJ
bmra-9917	8	30	funding	funding	NOUN
bmra-9917	8	31	in	in	ADP
bmra-9917	8	32	the	the	DET
bmra-9917	8	33	early	early	ADJ
bmra-9917	8	34	years	year	NOUN
bmra-9917	8	35	,	,	PUNCT
bmra-9917	8	36	(	(	PUNCT
bmra-9917	8	37	d	d	X
bmra-9917	8	38	)	)	PUNCT
bmra-9917	8	39	reliance	reliance	NOUN
bmra-9917	8	40	on	on	ADP
bmra-9917	8	41	external	external	ADJ
bmra-9917	8	42	financing	financing	NOUN
bmra-9917	8	43	during	during	ADP
bmra-9917	8	44	later	later	ADV
bmra-9917	8	45	and	and	CCONJ
bmra-9917	8	46	critical	critical	ADJ
bmra-9917	8	47	business	business	NOUN
bmra-9917	8	48	stages	stage	NOUN
bmra-9917	8	49	,	,	PUNCT
bmra-9917	8	50	and	and	CCONJ
bmra-9917	8	51	(	(	PUNCT
bmra-9917	8	52	e	e	NOUN
bmra-9917	8	53	)	)	PUNCT
bmra-9917	8	54	minimizing	minimize	VERB
bmra-9917	8	55	operational	operational	ADJ
bmra-9917	8	56	costs	cost	NOUN
bmra-9917	8	57	and	and	CCONJ
bmra-9917	8	58	expenses	expense	NOUN
bmra-9917	8	59	.	.	PUNCT
bmra-9917	9	1	a	a	DET
bmra-9917	9	2	key	key	ADJ
bmra-9917	9	3	recommendation	recommendation	NOUN
bmra-9917	9	4	is	be	AUX
bmra-9917	9	5	that	that	SCONJ
bmra-9917	9	6	entrepreneurs	entrepreneur	NOUN
bmra-9917	9	7	use	use	VERB
bmra-9917	9	8	internal	internal	ADJ
bmra-9917	9	9	financing	financing	NOUN
bmra-9917	9	10	as	as	ADV
bmra-9917	9	11	much	much	ADV
bmra-9917	9	12	as	as	ADP
bmra-9917	9	13	possible	possible	ADJ
bmra-9917	9	14	to	to	PART
bmra-9917	9	15	sustain	sustain	VERB
bmra-9917	9	16	operations	operation	NOUN
bmra-9917	9	17	,	,	PUNCT
bmra-9917	9	18	minimizing	minimize	VERB
bmra-9917	9	19	the	the	DET
bmra-9917	9	20	need	need	NOUN
bmra-9917	9	21	for	for	ADP
bmra-9917	9	22	external	external	ADJ
bmra-9917	9	23	funds	fund	NOUN
bmra-9917	9	24	.	.	PUNCT
bmra-9917	10	1	one	one	NUM
bmra-9917	10	2	implication	implication	NOUN
bmra-9917	10	3	of	of	ADP
bmra-9917	10	4	these	these	DET
bmra-9917	10	5	findings	finding	NOUN
bmra-9917	10	6	includes	include	VERB
bmra-9917	10	7	the	the	DET
bmra-9917	10	8	potential	potential	NOUN
bmra-9917	10	9	for	for	ADP
bmra-9917	10	10	small	small	ADJ
bmra-9917	10	11	business	business	NOUN
bmra-9917	10	12	owners	owner	NOUN
bmra-9917	10	13	to	to	PART
bmra-9917	10	14	sustain	sustain	VERB
bmra-9917	10	15	operations	operation	NOUN
bmra-9917	10	16	for	for	ADP
bmra-9917	10	17	more	more	ADJ
bmra-9917	10	18	than	than	ADP
bmra-9917	10	19	5	5	NUM
bmra-9917	10	20	years	year	NOUN
bmra-9917	10	21	,	,	PUNCT
bmra-9917	10	22	thereby	thereby	ADV
bmra-9917	10	23	providing	provide	VERB
bmra-9917	10	24	jobs	job	NOUN
bmra-9917	10	25	and	and	CCONJ
bmra-9917	10	26	generating	generate	VERB
bmra-9917	10	27	tax	tax	NOUN
bmra-9917	10	28	revenue	revenue	NOUN
bmra-9917	10	29	for	for	ADP
bmra-9917	10	30	citizens	citizen	NOUN
bmra-9917	10	31	and	and	CCONJ
bmra-9917	10	32	communities	community	NOUN
bmra-9917	10	33	.	.	PUNCT
bmra-9917	11	1	mailto:satamaya@gmail.com	mailto:satamaya@gmail.com	X
bmra-9917	11	2	june	june	PROPN
bmra-9917	11	3	2025	2025	NUM
bmra-9917	11	4	|	|	ADV
bmra-9917	11	5	volume	volume	NOUN
bmra-9917	11	6	4	4	NUM
bmra-9917	11	7	,	,	PUNCT
bmra-9917	11	8	number	number	NOUN
bmra-9917	11	9	2	2	NUM
bmra-9917	11	10	2	2	NUM
bmra-9917	11	11	introduction	introduction	NOUN
bmra-9917	11	12	/	/	SYM
bmra-9917	11	13	background	background	NOUN
bmra-9917	11	14	small	small	ADJ
bmra-9917	11	15	and	and	CCONJ
bmra-9917	11	16	medium	medium	ADJ
bmra-9917	11	17	enterprises	enterprise	NOUN
bmra-9917	11	18	(	(	PUNCT
bmra-9917	11	19	smes	sme	NOUN
bmra-9917	11	20	)	)	PUNCT
bmra-9917	11	21	are	be	AUX
bmra-9917	11	22	critical	critical	ADJ
bmra-9917	11	23	to	to	AUX
bmra-9917	11	24	developed	develop	VERB
bmra-9917	11	25	and	and	CCONJ
bmra-9917	11	26	developing	develop	VERB
bmra-9917	11	27	u.s	u.s	PROPN
bmra-9917	11	28	.	.	PROPN
bmra-9917	11	29	and	and	CCONJ
bmra-9917	11	30	global	global	ADJ
bmra-9917	11	31	economies	economy	NOUN
bmra-9917	11	32	.	.	PUNCT
bmra-9917	12	1	in	in	ADP
bmra-9917	12	2	2020	2020	NUM
bmra-9917	12	3	,	,	PUNCT
bmra-9917	12	4	smes	sme	NOUN
bmra-9917	12	5	employed	employ	VERB
bmra-9917	12	6	50	50	NUM
bmra-9917	12	7	million	million	NUM
bmra-9917	12	8	individuals	individual	NOUN
bmra-9917	12	9	,	,	PUNCT
bmra-9917	12	10	constituting	constitute	VERB
bmra-9917	12	11	45.9	45.9	NUM
bmra-9917	12	12	%	%	NOUN
bmra-9917	12	13	of	of	ADP
bmra-9917	12	14	the	the	DET
bmra-9917	12	15	private	private	ADJ
bmra-9917	12	16	workforce	workforce	NOUN
bmra-9917	12	17	(	(	PUNCT
bmra-9917	12	18	u.s	u.s	PROPN
bmra-9917	12	19	.	.	PROPN
bmra-9917	12	20	small	small	PROPN
bmra-9917	12	21	business	business	PROPN
bmra-9917	12	22	administration	administration	PROPN
bmra-9917	12	23	office	office	NOUN
bmra-9917	12	24	of	of	ADP
bmra-9917	12	25	advocacy	advocacy	NOUN
bmra-9917	12	26	,	,	PUNCT
bmra-9917	12	27	2024	2024	NUM
bmra-9917	12	28	)	)	PUNCT
bmra-9917	12	29	.	.	PUNCT
bmra-9917	13	1	globally	globally	ADV
bmra-9917	13	2	,	,	PUNCT
bmra-9917	13	3	90	90	NUM
bmra-9917	13	4	%	%	NOUN
bmra-9917	13	5	of	of	ADP
bmra-9917	13	6	businesses	business	NOUN
bmra-9917	13	7	are	be	AUX
bmra-9917	13	8	smes	sme	NOUN
bmra-9917	13	9	,	,	PUNCT
bmra-9917	13	10	comprising	comprise	VERB
bmra-9917	13	11	more	more	ADJ
bmra-9917	13	12	than	than	ADP
bmra-9917	13	13	50	50	NUM
bmra-9917	13	14	%	%	NOUN
bmra-9917	13	15	of	of	ADP
bmra-9917	13	16	jobs	job	NOUN
bmra-9917	13	17	worldwide	worldwide	ADV
bmra-9917	13	18	(	(	PUNCT
bmra-9917	13	19	world	world	PROPN
bmra-9917	13	20	bank	bank	NOUN
bmra-9917	13	21	,	,	PUNCT
bmra-9917	13	22	2022	2022	NUM
bmra-9917	13	23	)	)	PUNCT
bmra-9917	13	24	.	.	PUNCT
bmra-9917	14	1	smes	sme	NOUN
bmra-9917	14	2	contribute	contribute	VERB
bmra-9917	14	3	to	to	ADP
bmra-9917	14	4	international	international	ADJ
bmra-9917	14	5	trade	trade	NOUN
bmra-9917	14	6	by	by	ADP
bmra-9917	14	7	positively	positively	ADV
bmra-9917	14	8	influencing	influence	VERB
bmra-9917	14	9	exports	export	NOUN
bmra-9917	14	10	.	.	PUNCT
bmra-9917	15	1	in	in	ADP
bmra-9917	15	2	2018	2018	NUM
bmra-9917	15	3	,	,	PUNCT
bmra-9917	15	4	97.5	97.5	NUM
bmra-9917	15	5	%	%	NOUN
bmra-9917	15	6	of	of	ADP
bmra-9917	15	7	total	total	ADJ
bmra-9917	15	8	u.s	u.s	PROPN
bmra-9917	15	9	.	.	PROPN
bmra-9917	15	10	exports	export	NOUN
bmra-9917	15	11	were	be	AUX
bmra-9917	15	12	from	from	ADP
bmra-9917	15	13	smes	sme	NOUN
bmra-9917	15	14	,	,	PUNCT
bmra-9917	15	15	generating	generate	VERB
bmra-9917	15	16	32	32	NUM
bmra-9917	15	17	%	%	NOUN
bmra-9917	15	18	of	of	ADP
bmra-9917	15	19	export	export	NOUN
bmra-9917	15	20	earnings	earning	NOUN
bmra-9917	15	21	(	(	PUNCT
bmra-9917	15	22	united	united	PROPN
bmra-9917	15	23	states	states	PROPN
bmra-9917	15	24	census	census	PROPN
bmra-9917	15	25	bureau	bureau	NOUN
bmra-9917	15	26	,	,	PUNCT
bmra-9917	15	27	2021	2021	NUM
bmra-9917	15	28	)	)	PUNCT
bmra-9917	15	29	.	.	PUNCT
bmra-9917	16	1	despite	despite	SCONJ
bmra-9917	16	2	their	their	PRON
bmra-9917	16	3	contributions	contribution	NOUN
bmra-9917	16	4	to	to	ADP
bmra-9917	16	5	the	the	DET
bmra-9917	16	6	economy	economy	NOUN
bmra-9917	16	7	,	,	PUNCT
bmra-9917	16	8	smes	sme	NOUN
bmra-9917	16	9	face	face	VERB
bmra-9917	16	10	challenges	challenge	NOUN
bmra-9917	16	11	in	in	ADP
bmra-9917	16	12	accessing	access	VERB
bmra-9917	16	13	financing	financing	NOUN
bmra-9917	16	14	,	,	PUNCT
bmra-9917	16	15	which	which	PRON
bmra-9917	16	16	is	be	AUX
bmra-9917	16	17	the	the	DET
bmra-9917	16	18	primary	primary	ADJ
bmra-9917	16	19	constraint	constraint	NOUN
bmra-9917	16	20	to	to	ADP
bmra-9917	16	21	growth	growth	NOUN
bmra-9917	16	22	.	.	PUNCT
bmra-9917	17	1	facilitating	facilitate	VERB
bmra-9917	17	2	access	access	NOUN
bmra-9917	17	3	to	to	ADP
bmra-9917	17	4	capital	capital	NOUN
bmra-9917	17	5	requires	require	VERB
bmra-9917	17	6	informing	inform	VERB
bmra-9917	17	7	entrepreneurs	entrepreneur	NOUN
bmra-9917	17	8	,	,	PUNCT
bmra-9917	17	9	organizations	organization	NOUN
bmra-9917	17	10	,	,	PUNCT
bmra-9917	17	11	scholars	scholar	NOUN
bmra-9917	17	12	,	,	PUNCT
bmra-9917	17	13	and	and	CCONJ
bmra-9917	17	14	policymakers	policymaker	NOUN
bmra-9917	17	15	on	on	ADP
bmra-9917	17	16	strategies	strategy	NOUN
bmra-9917	17	17	that	that	PRON
bmra-9917	17	18	facilitate	facilitate	VERB
bmra-9917	17	19	fund	fund	NOUN
bmra-9917	17	20	acquisition	acquisition	NOUN
bmra-9917	17	21	.	.	PUNCT
bmra-9917	18	1	this	this	DET
bmra-9917	18	2	study	study	NOUN
bmra-9917	18	3	provides	provide	VERB
bmra-9917	18	4	insight	insight	NOUN
bmra-9917	18	5	into	into	ADP
bmra-9917	18	6	how	how	SCONJ
bmra-9917	18	7	smes	sme	NOUN
bmra-9917	18	8	can	can	AUX
bmra-9917	18	9	access	access	VERB
bmra-9917	18	10	funding	funding	NOUN
bmra-9917	18	11	.	.	PUNCT
bmra-9917	19	1	poor	poor	ADJ
bmra-9917	19	2	management	management	NOUN
bmra-9917	19	3	skills	skill	NOUN
bmra-9917	19	4	,	,	PUNCT
bmra-9917	19	5	financial	financial	ADJ
bmra-9917	19	6	literacy	literacy	NOUN
bmra-9917	19	7	,	,	PUNCT
bmra-9917	19	8	and	and	CCONJ
bmra-9917	19	9	an	an	DET
bmra-9917	19	10	inability	inability	NOUN
bmra-9917	19	11	to	to	PART
bmra-9917	19	12	access	access	NOUN
bmra-9917	19	13	finances	finance	NOUN
bmra-9917	19	14	are	be	AUX
bmra-9917	19	15	the	the	DET
bmra-9917	19	16	main	main	ADJ
bmra-9917	19	17	reasons	reason	NOUN
bmra-9917	19	18	for	for	ADP
bmra-9917	19	19	business	business	NOUN
bmra-9917	19	20	failure	failure	NOUN
bmra-9917	19	21	(	(	PUNCT
bmra-9917	19	22	kindström	kindström	NOUN
bmra-9917	19	23	et	et	PROPN
bmra-9917	19	24	al	al	PROPN
bmra-9917	19	25	.	.	PROPN
bmra-9917	19	26	,	,	PUNCT
bmra-9917	19	27	2024	2024	NUM
bmra-9917	19	28	)	)	PUNCT
bmra-9917	19	29	.	.	PUNCT
bmra-9917	20	1	smes	sme	NOUN
bmra-9917	20	2	play	play	VERB
bmra-9917	20	3	a	a	DET
bmra-9917	20	4	critical	critical	ADJ
bmra-9917	20	5	role	role	NOUN
bmra-9917	20	6	in	in	ADP
bmra-9917	20	7	maryland	maryland	PROPN
bmra-9917	20	8	’s	’s	PART
bmra-9917	20	9	economy	economy	NOUN
bmra-9917	20	10	by	by	ADP
bmra-9917	20	11	creating	create	VERB
bmra-9917	20	12	employment	employment	NOUN
bmra-9917	20	13	,	,	PUNCT
bmra-9917	20	14	promoting	promote	VERB
bmra-9917	20	15	innovation	innovation	NOUN
bmra-9917	20	16	,	,	PUNCT
bmra-9917	20	17	and	and	CCONJ
bmra-9917	20	18	expanding	expand	VERB
bmra-9917	20	19	the	the	DET
bmra-9917	20	20	tax	tax	NOUN
bmra-9917	20	21	base	base	NOUN
bmra-9917	20	22	.	.	PUNCT
bmra-9917	21	1	in	in	ADP
bmra-9917	21	2	2024	2024	NUM
bmra-9917	21	3	,	,	PUNCT
bmra-9917	21	4	more	more	ADJ
bmra-9917	21	5	than	than	ADP
bmra-9917	21	6	1.2	1.2	NUM
bmra-9917	21	7	million	million	NUM
bmra-9917	21	8	people	people	NOUN
bmra-9917	21	9	worked	work	VERB
bmra-9917	21	10	for	for	ADP
bmra-9917	21	11	maryland	maryland	PROPN
bmra-9917	21	12	smes	sme	NOUN
bmra-9917	21	13	,	,	PUNCT
bmra-9917	21	14	comprising	comprise	VERB
bmra-9917	21	15	48.6	48.6	NUM
bmra-9917	21	16	%	%	NOUN
bmra-9917	21	17	of	of	ADP
bmra-9917	21	18	the	the	DET
bmra-9917	21	19	private	private	ADJ
bmra-9917	21	20	workforce	workforce	NOUN
bmra-9917	21	21	(	(	PUNCT
bmra-9917	21	22	u.s	u.s	PROPN
bmra-9917	21	23	.	.	PROPN
bmra-9917	21	24	sba	sba	PROPN
bmra-9917	21	25	office	office	PROPN
bmra-9917	21	26	of	of	ADP
bmra-9917	21	27	advocacy	advocacy	NOUN
bmra-9917	21	28	,	,	PUNCT
bmra-9917	21	29	2024	2024	NUM
bmra-9917	21	30	)	)	PUNCT
bmra-9917	21	31	.	.	PUNCT
bmra-9917	22	1	in	in	ADP
bmra-9917	22	2	maryland	maryland	PROPN
bmra-9917	22	3	,	,	PUNCT
bmra-9917	22	4	19,266	19,266	NUM
bmra-9917	22	5	small	small	ADJ
bmra-9917	22	6	businesses	business	NOUN
bmra-9917	22	7	opened	open	VERB
bmra-9917	22	8	and	and	CCONJ
bmra-9917	22	9	15,192	15,192	NUM
bmra-9917	22	10	closed	close	VERB
bmra-9917	22	11	between	between	ADP
bmra-9917	22	12	march	march	PROPN
bmra-9917	22	13	2022–2023	2022–2023	NUM
bmra-9917	22	14	.	.	PUNCT
bmra-9917	23	1	access	access	NOUN
bmra-9917	23	2	to	to	ADP
bmra-9917	23	3	financial	financial	ADJ
bmra-9917	23	4	resources	resource	NOUN
bmra-9917	23	5	is	be	AUX
bmra-9917	23	6	essential	essential	ADJ
bmra-9917	23	7	for	for	ADP
bmra-9917	23	8	operating	operating	NOUN
bmra-9917	23	9	expenses	expense	NOUN
bmra-9917	23	10	,	,	PUNCT
bmra-9917	23	11	debt	debt	NOUN
bmra-9917	23	12	,	,	PUNCT
bmra-9917	23	13	inventory	inventory	NOUN
bmra-9917	23	14	,	,	PUNCT
bmra-9917	23	15	and	and	CCONJ
bmra-9917	23	16	business	business	NOUN
bmra-9917	23	17	growth	growth	NOUN
bmra-9917	23	18	.	.	PUNCT
bmra-9917	24	1	many	many	ADJ
bmra-9917	24	2	business	business	NOUN
bmra-9917	24	3	leaders	leader	NOUN
bmra-9917	24	4	attribute	attribute	VERB
bmra-9917	24	5	business	business	NOUN
bmra-9917	24	6	failures	failure	NOUN
bmra-9917	24	7	to	to	ADP
bmra-9917	24	8	external	external	ADJ
bmra-9917	24	9	factors	factor	NOUN
bmra-9917	24	10	,	,	PUNCT
bmra-9917	24	11	although	although	SCONJ
bmra-9917	24	12	internal	internal	ADJ
bmra-9917	24	13	management	management	NOUN
bmra-9917	24	14	capabilities	capability	NOUN
bmra-9917	24	15	and	and	CCONJ
bmra-9917	24	16	approaches	approach	NOUN
bmra-9917	24	17	significantly	significantly	ADV
bmra-9917	24	18	impact	impact	VERB
bmra-9917	24	19	business	business	NOUN
bmra-9917	24	20	sustainability	sustainability	NOUN
bmra-9917	24	21	(	(	PUNCT
bmra-9917	24	22	lattacher	lattacher	PROPN
bmra-9917	24	23	&	&	CCONJ
bmra-9917	24	24	wdowiak	wdowiak	PROPN
bmra-9917	24	25	,	,	PUNCT
bmra-9917	24	26	2020	2020	NUM
bmra-9917	24	27	)	)	PUNCT
bmra-9917	24	28	.	.	PUNCT
bmra-9917	25	1	smes	sme	NOUN
bmra-9917	25	2	encounter	encounter	VERB
bmra-9917	25	3	challenges	challenge	NOUN
bmra-9917	25	4	obtaining	obtain	VERB
bmra-9917	25	5	working	work	VERB
bmra-9917	25	6	capital	capital	NOUN
bmra-9917	25	7	(	(	PUNCT
bmra-9917	25	8	u.s	u.s	PROPN
bmra-9917	25	9	.	.	PROPN
bmra-9917	25	10	federal	federal	PROPN
bmra-9917	25	11	reserve	reserve	PROPN
bmra-9917	25	12	bank	bank	PROPN
bmra-9917	25	13	,	,	PUNCT
bmra-9917	25	14	2017	2017	NUM
bmra-9917	25	15	)	)	PUNCT
bmra-9917	25	16	.	.	PUNCT
bmra-9917	26	1	insufficient	insufficient	ADJ
bmra-9917	26	2	access	access	NOUN
bmra-9917	26	3	to	to	ADP
bmra-9917	26	4	funds	fund	NOUN
bmra-9917	26	5	,	,	PUNCT
bmra-9917	26	6	including	include	VERB
bmra-9917	26	7	lines	line	NOUN
bmra-9917	26	8	of	of	ADP
bmra-9917	26	9	credit	credit	NOUN
bmra-9917	26	10	,	,	PUNCT
bmra-9917	26	11	leads	lead	VERB
bmra-9917	26	12	to	to	ADP
bmra-9917	26	13	the	the	DET
bmra-9917	26	14	failure	failure	NOUN
bmra-9917	26	15	of	of	ADP
bmra-9917	26	16	29	29	NUM
bmra-9917	26	17	%	%	NOUN
bmra-9917	26	18	of	of	ADP
bmra-9917	26	19	small	small	ADJ
bmra-9917	26	20	businesses	business	NOUN
bmra-9917	26	21	within	within	ADP
bmra-9917	26	22	the	the	DET
bmra-9917	26	23	first	first	ADJ
bmra-9917	26	24	5	5	NUM
bmra-9917	26	25	years	year	NOUN
bmra-9917	26	26	of	of	ADP
bmra-9917	26	27	operation	operation	NOUN
bmra-9917	26	28	(	(	PUNCT
bmra-9917	26	29	shabat	shabat	NOUN
bmra-9917	26	30	,	,	PUNCT
bmra-9917	26	31	2019	2019	NUM
bmra-9917	26	32	)	)	PUNCT
bmra-9917	26	33	.	.	PUNCT
bmra-9917	27	1	the	the	DET
bmra-9917	27	2	general	general	ADJ
bmra-9917	27	3	business	business	NOUN
bmra-9917	27	4	problem	problem	NOUN
bmra-9917	27	5	is	be	AUX
bmra-9917	27	6	that	that	SCONJ
bmra-9917	27	7	some	some	DET
bmra-9917	27	8	small	small	ADJ
bmra-9917	27	9	business	business	NOUN
bmra-9917	27	10	owners	owner	NOUN
bmra-9917	27	11	can	can	AUX
bmra-9917	27	12	not	not	PART
bmra-9917	27	13	access	access	VERB
bmra-9917	27	14	capital	capital	NOUN
bmra-9917	27	15	,	,	PUNCT
bmra-9917	27	16	threatening	threaten	VERB
bmra-9917	27	17	business	business	NOUN
bmra-9917	27	18	survival	survival	NOUN
bmra-9917	27	19	through	through	ADP
bmra-9917	27	20	liquidity	liquidity	NOUN
bmra-9917	27	21	shortages	shortage	NOUN
bmra-9917	27	22	,	,	PUNCT
bmra-9917	27	23	lost	lose	VERB
bmra-9917	27	24	customers	customer	NOUN
bmra-9917	27	25	,	,	PUNCT
bmra-9917	27	26	and	and	CCONJ
bmra-9917	27	27	falling	fall	VERB
bmra-9917	27	28	profitability	profitability	NOUN
bmra-9917	27	29	.	.	PUNCT
bmra-9917	28	1	the	the	DET
bmra-9917	28	2	business	business	NOUN
bmra-9917	28	3	problem	problem	NOUN
bmra-9917	28	4	for	for	ADP
bmra-9917	28	5	this	this	DET
bmra-9917	28	6	research	research	NOUN
bmra-9917	28	7	is	be	AUX
bmra-9917	28	8	that	that	SCONJ
bmra-9917	28	9	some	some	DET
bmra-9917	28	10	small	small	ADJ
bmra-9917	28	11	business	business	NOUN
bmra-9917	28	12	owners	owner	NOUN
bmra-9917	28	13	lack	lack	VERB
bmra-9917	28	14	strategies	strategy	NOUN
bmra-9917	28	15	to	to	PART
bmra-9917	28	16	obtain	obtain	VERB
bmra-9917	28	17	working	working	NOUN
bmra-9917	28	18	capital	capital	NOUN
bmra-9917	28	19	for	for	ADP
bmra-9917	28	20	business	business	NOUN
bmra-9917	28	21	continuity	continuity	NOUN
bmra-9917	28	22	beyond	beyond	ADP
bmra-9917	28	23	5	5	NUM
bmra-9917	28	24	years	year	NOUN
bmra-9917	28	25	.	.	PUNCT
bmra-9917	29	1	literature	literature	NOUN
bmra-9917	29	2	review	review	NOUN
bmra-9917	29	3	scholars	scholar	NOUN
bmra-9917	29	4	have	have	AUX
bmra-9917	29	5	looked	look	VERB
bmra-9917	29	6	beyond	beyond	ADP
bmra-9917	29	7	bank	bank	NOUN
bmra-9917	29	8	financing	financing	NOUN
bmra-9917	29	9	to	to	PART
bmra-9917	29	10	uncover	uncover	VERB
bmra-9917	29	11	other	other	ADJ
bmra-9917	29	12	ways	way	NOUN
bmra-9917	29	13	for	for	ADP
bmra-9917	29	14	small	small	ADJ
bmra-9917	29	15	business	business	NOUN
bmra-9917	29	16	owners	owner	NOUN
bmra-9917	29	17	to	to	PART
bmra-9917	29	18	sustain	sustain	VERB
bmra-9917	29	19	operations	operation	NOUN
bmra-9917	29	20	beyond	beyond	ADP
bmra-9917	29	21	5	5	NUM
bmra-9917	29	22	years	year	NOUN
bmra-9917	29	23	.	.	PUNCT
bmra-9917	30	1	in	in	ADP
bmra-9917	30	2	brooks	brooks	PROPN
bmra-9917	30	3	’s	’s	PART
bmra-9917	30	4	(	(	PUNCT
bmra-9917	30	5	2019	2019	NUM
bmra-9917	30	6	)	)	PUNCT
bmra-9917	30	7	study	study	NOUN
bmra-9917	30	8	,	,	PUNCT
bmra-9917	30	9	three	three	NUM
bmra-9917	30	10	small	small	ADJ
bmra-9917	30	11	business	business	NOUN
bmra-9917	30	12	owners	owner	NOUN
bmra-9917	30	13	participated	participate	VERB
bmra-9917	30	14	in	in	ADP
bmra-9917	30	15	face	face	NOUN
bmra-9917	30	16	-	-	PUNCT
bmra-9917	30	17	to	to	ADP
bmra-9917	30	18	-	-	PUNCT
bmra-9917	30	19	face	face	NOUN
bmra-9917	30	20	,	,	PUNCT
bmra-9917	30	21	semistructured	semistructure	VERB
bmra-9917	30	22	interviews	interview	NOUN
bmra-9917	30	23	to	to	PART
bmra-9917	30	24	discuss	discuss	VERB
bmra-9917	30	25	strategies	strategy	NOUN
bmra-9917	30	26	they	they	PRON
bmra-9917	30	27	used	use	VERB
bmra-9917	30	28	for	for	ADP
bmra-9917	30	29	business	business	NOUN
bmra-9917	30	30	continuity	continuity	NOUN
bmra-9917	30	31	.	.	PUNCT
bmra-9917	31	1	data	datum	NOUN
bmra-9917	31	2	analysis	analysis	NOUN
bmra-9917	31	3	found	find	VERB
bmra-9917	31	4	five	five	NUM
bmra-9917	31	5	themes	theme	NOUN
bmra-9917	31	6	:	:	PUNCT
bmra-9917	31	7	sufficient	sufficient	ADJ
bmra-9917	31	8	startup	startup	NOUN
bmra-9917	31	9	funding	funding	NOUN
bmra-9917	31	10	,	,	PUNCT
bmra-9917	31	11	access	access	NOUN
bmra-9917	31	12	to	to	ADP
bmra-9917	31	13	private	private	ADJ
bmra-9917	31	14	lenders	lender	NOUN
bmra-9917	31	15	,	,	PUNCT
bmra-9917	31	16	and	and	CCONJ
bmra-9917	31	17	business	business	NOUN
bmra-9917	31	18	owners	owner	NOUN
bmra-9917	31	19	’	’	PART
bmra-9917	31	20	motivation	motivation	NOUN
bmra-9917	31	21	and	and	CCONJ
bmra-9917	31	22	awareness	awareness	NOUN
bmra-9917	31	23	.	.	PUNCT
bmra-9917	32	1	small	small	ADJ
bmra-9917	32	2	business	business	NOUN
bmra-9917	32	3	funding	fund	VERB
bmra-9917	32	4	small	small	ADJ
bmra-9917	32	5	businesses	business	NOUN
bmra-9917	32	6	,	,	PUNCT
bmra-9917	32	7	defined	define	VERB
bmra-9917	32	8	as	as	ADP
bmra-9917	32	9	commercial	commercial	ADJ
bmra-9917	32	10	entities	entity	NOUN
bmra-9917	32	11	with	with	ADP
bmra-9917	32	12	fewer	few	ADJ
bmra-9917	32	13	than	than	ADP
bmra-9917	32	14	500	500	NUM
bmra-9917	32	15	employees	employee	NOUN
bmra-9917	32	16	(	(	PUNCT
bmra-9917	32	17	u.s	u.s	PROPN
bmra-9917	32	18	.	.	PROPN
bmra-9917	32	19	sba	sba	PROPN
bmra-9917	32	20	office	office	PROPN
bmra-9917	32	21	of	of	ADP
bmra-9917	32	22	advocacy	advocacy	NOUN
bmra-9917	32	23	,	,	PUNCT
bmra-9917	32	24	2020	2020	NUM
bmra-9917	32	25	)	)	PUNCT
bmra-9917	32	26	,	,	PUNCT
bmra-9917	32	27	play	play	VERB
bmra-9917	32	28	an	an	DET
bmra-9917	32	29	essential	essential	ADJ
bmra-9917	32	30	role	role	NOUN
bmra-9917	32	31	in	in	ADP
bmra-9917	32	32	economic	economic	ADJ
bmra-9917	32	33	growth	growth	NOUN
bmra-9917	32	34	through	through	ADP
bmra-9917	32	35	employment	employment	NOUN
bmra-9917	32	36	and	and	CCONJ
bmra-9917	32	37	trade	trade	NOUN
bmra-9917	32	38	(	(	PUNCT
bmra-9917	32	39	ahmad	ahmad	PROPN
bmra-9917	32	40	et	et	PROPN
bmra-9917	32	41	al	al	PROPN
bmra-9917	32	42	.	.	PROPN
bmra-9917	32	43	,	,	PUNCT
bmra-9917	32	44	2020	2020	NUM
bmra-9917	32	45	;	;	PUNCT
bmra-9917	32	46	malesios	malesio	NOUN
bmra-9917	32	47	et	et	PROPN
bmra-9917	32	48	al	al	PROPN
bmra-9917	32	49	.	.	PROPN
bmra-9917	32	50	,	,	PUNCT
bmra-9917	32	51	2021	2021	NUM
bmra-9917	32	52	)	)	PUNCT
bmra-9917	32	53	.	.	PUNCT
bmra-9917	33	1	despite	despite	SCONJ
bmra-9917	33	2	their	their	PRON
bmra-9917	33	3	economic	economic	ADJ
bmra-9917	33	4	contributions	contribution	NOUN
bmra-9917	33	5	,	,	PUNCT
bmra-9917	33	6	smes	sme	NOUN
bmra-9917	33	7	face	face	VERB
bmra-9917	33	8	challenges	challenge	NOUN
bmra-9917	33	9	in	in	ADP
bmra-9917	33	10	accessing	access	VERB
bmra-9917	33	11	financing	financing	NOUN
bmra-9917	33	12	,	,	PUNCT
bmra-9917	33	13	which	which	PRON
bmra-9917	33	14	is	be	AUX
bmra-9917	33	15	the	the	DET
bmra-9917	33	16	primary	primary	ADJ
bmra-9917	33	17	constraint	constraint	NOUN
bmra-9917	33	18	to	to	ADP
bmra-9917	33	19	their	their	PRON
bmra-9917	33	20	growth	growth	NOUN
bmra-9917	33	21	(	(	PUNCT
bmra-9917	33	22	world	world	PROPN
bmra-9917	33	23	bank	bank	NOUN
bmra-9917	33	24	,	,	PUNCT
bmra-9917	33	25	2022	2022	NUM
bmra-9917	33	26	)	)	PUNCT
bmra-9917	33	27	.	.	PUNCT
bmra-9917	34	1	to	to	PART
bmra-9917	34	2	grow	grow	VERB
bmra-9917	34	3	faster	fast	ADV
bmra-9917	34	4	than	than	ADP
bmra-9917	34	5	their	their	PRON
bmra-9917	34	6	sustainable	sustainable	ADJ
bmra-9917	34	7	growth	growth	NOUN
bmra-9917	34	8	rate	rate	NOUN
bmra-9917	34	9	,	,	PUNCT
bmra-9917	34	10	company	company	NOUN
bmra-9917	34	11	leaders	leader	NOUN
bmra-9917	34	12	must	must	AUX
bmra-9917	34	13	have	have	VERB
bmra-9917	34	14	access	access	NOUN
bmra-9917	34	15	to	to	ADP
bmra-9917	34	16	capital	capital	NOUN
bmra-9917	34	17	to	to	PART
bmra-9917	34	18	fund	fund	VERB
bmra-9917	34	19	working	working	NOUN
bmra-9917	34	20	capital	capital	NOUN
bmra-9917	34	21	,	,	PUNCT
bmra-9917	34	22	increase	increase	VERB
bmra-9917	34	23	inventories	inventory	NOUN
bmra-9917	34	24	and	and	CCONJ
bmra-9917	34	25	employees	employee	NOUN
bmra-9917	34	26	,	,	PUNCT
bmra-9917	34	27	and	and	CCONJ
bmra-9917	34	28	purchase	purchase	NOUN
bmra-9917	34	29	property	property	NOUN
bmra-9917	34	30	,	,	PUNCT
bmra-9917	34	31	plant	plant	NOUN
bmra-9917	34	32	,	,	PUNCT
bmra-9917	34	33	and	and	CCONJ
bmra-9917	34	34	equipment	equipment	NOUN
bmra-9917	34	35	.	.	PUNCT
bmra-9917	35	1	challenges	challenge	NOUN
bmra-9917	35	2	in	in	ADP
bmra-9917	35	3	accessing	access	VERB
bmra-9917	35	4	funding	funding	NOUN
bmra-9917	35	5	increase	increase	VERB
bmra-9917	35	6	the	the	DET
bmra-9917	35	7	risk	risk	NOUN
bmra-9917	35	8	of	of	ADP
bmra-9917	35	9	insolvency	insolvency	NOUN
bmra-9917	35	10	business	business	NOUN
bmra-9917	35	11	management	management	NOUN
bmra-9917	35	12	research	research	NOUN
bmra-9917	35	13	and	and	CCONJ
bmra-9917	35	14	applications	application	NOUN
bmra-9917	35	15	:	:	PUNCT
bmra-9917	35	16	a	a	DET
bmra-9917	35	17	cross	cross	ADJ
bmra-9917	35	18	disciplinary	disciplinary	ADJ
bmra-9917	35	19	journal	journal	NOUN
bmra-9917	35	20	3	3	NUM
bmra-9917	35	21	and	and	CCONJ
bmra-9917	35	22	the	the	DET
bmra-9917	35	23	loss	loss	NOUN
bmra-9917	35	24	of	of	ADP
bmra-9917	35	25	competitive	competitive	ADJ
bmra-9917	35	26	advantage	advantage	NOUN
bmra-9917	35	27	(	(	PUNCT
bmra-9917	35	28	kalemli	kalemli	NOUN
bmra-9917	35	29	-	-	PUNCT
bmra-9917	35	30	ozcan	ozcan	NOUN
bmra-9917	35	31	et	et	PROPN
bmra-9917	35	32	al	al	PROPN
bmra-9917	35	33	.	.	PROPN
bmra-9917	35	34	,	,	PUNCT
bmra-9917	35	35	2020	2020	NUM
bmra-9917	35	36	)	)	PUNCT
bmra-9917	35	37	.	.	PUNCT
bmra-9917	36	1	smes	sme	NOUN
bmra-9917	36	2	are	be	AUX
bmra-9917	36	3	disadvantaged	disadvantage	VERB
bmra-9917	36	4	in	in	ADP
bmra-9917	36	5	accessing	access	VERB
bmra-9917	36	6	finance	finance	NOUN
bmra-9917	36	7	compared	compare	VERB
bmra-9917	36	8	to	to	ADP
bmra-9917	36	9	large	large	ADJ
bmra-9917	36	10	organizations	organization	NOUN
bmra-9917	36	11	due	due	ADP
bmra-9917	36	12	to	to	ADP
bmra-9917	36	13	limited	limited	ADJ
bmra-9917	36	14	credit	credit	NOUN
bmra-9917	36	15	history	history	NOUN
bmra-9917	36	16	,	,	PUNCT
bmra-9917	36	17	incomplete	incomplete	ADJ
bmra-9917	36	18	record	record	NOUN
bmra-9917	36	19	-	-	PUNCT
bmra-9917	36	20	keeping	keeping	NOUN
bmra-9917	36	21	,	,	PUNCT
bmra-9917	36	22	insufficient	insufficient	ADJ
bmra-9917	36	23	collateral	collateral	NOUN
bmra-9917	36	24	,	,	PUNCT
bmra-9917	36	25	and	and	CCONJ
bmra-9917	36	26	a	a	DET
bmra-9917	36	27	lack	lack	NOUN
bmra-9917	36	28	of	of	ADP
bmra-9917	36	29	business	business	NOUN
bmra-9917	36	30	planning	planning	NOUN
bmra-9917	36	31	expertise	expertise	NOUN
bmra-9917	36	32	(	(	PUNCT
bmra-9917	36	33	brown	brown	PROPN
bmra-9917	36	34	et	et	PROPN
bmra-9917	36	35	al	al	PROPN
bmra-9917	36	36	.	.	PROPN
bmra-9917	36	37	,	,	PUNCT
bmra-9917	36	38	2022	2022	NUM
bmra-9917	36	39	;	;	PUNCT
bmra-9917	36	40	huang	huang	PROPN
bmra-9917	36	41	et	et	PROPN
bmra-9917	36	42	al	al	PROPN
bmra-9917	36	43	.	.	PROPN
bmra-9917	36	44	,	,	PUNCT
bmra-9917	36	45	2020	2020	NUM
bmra-9917	36	46	;	;	PUNCT
bmra-9917	36	47	roy	roy	PROPN
bmra-9917	36	48	&	&	CCONJ
bmra-9917	36	49	shaw	shaw	PROPN
bmra-9917	36	50	,	,	PUNCT
bmra-9917	36	51	2021	2021	NUM
bmra-9917	36	52	)	)	PUNCT
bmra-9917	36	53	.	.	PUNCT
bmra-9917	37	1	inadequate	inadequate	ADJ
bmra-9917	37	2	working	work	VERB
bmra-9917	37	3	capital	capital	NOUN
bmra-9917	37	4	could	could	AUX
bmra-9917	37	5	contribute	contribute	VERB
bmra-9917	37	6	to	to	ADP
bmra-9917	37	7	the	the	DET
bmra-9917	37	8	failure	failure	NOUN
bmra-9917	37	9	of	of	ADP
bmra-9917	37	10	small	small	ADJ
bmra-9917	37	11	business	business	NOUN
bmra-9917	37	12	startups	startup	NOUN
bmra-9917	37	13	,	,	PUNCT
bmra-9917	37	14	as	as	SCONJ
bmra-9917	37	15	owners	owner	NOUN
bmra-9917	37	16	require	require	VERB
bmra-9917	37	17	funds	fund	NOUN
bmra-9917	37	18	during	during	ADP
bmra-9917	37	19	the	the	DET
bmra-9917	37	20	initial	initial	ADJ
bmra-9917	37	21	years	year	NOUN
bmra-9917	37	22	of	of	ADP
bmra-9917	37	23	operation	operation	NOUN
bmra-9917	37	24	to	to	PART
bmra-9917	37	25	pay	pay	VERB
bmra-9917	37	26	creditors	creditor	NOUN
bmra-9917	37	27	,	,	PUNCT
bmra-9917	37	28	taxes	taxis	NOUN
bmra-9917	37	29	,	,	PUNCT
bmra-9917	37	30	wages	wage	NOUN
bmra-9917	37	31	,	,	PUNCT
bmra-9917	37	32	and	and	CCONJ
bmra-9917	37	33	overhead	overhead	ADJ
bmra-9917	37	34	costs	cost	NOUN
bmra-9917	37	35	(	(	PUNCT
bmra-9917	37	36	mazzarol	mazzarol	NOUN
bmra-9917	37	37	&	&	CCONJ
bmra-9917	37	38	reboud	reboud	PROPN
bmra-9917	37	39	,	,	PUNCT
bmra-9917	37	40	2020	2020	NUM
bmra-9917	37	41	)	)	PUNCT
bmra-9917	37	42	.	.	PUNCT
bmra-9917	38	1	small	small	ADJ
bmra-9917	38	2	businesses	business	NOUN
bmra-9917	38	3	contribute	contribute	VERB
bmra-9917	38	4	to	to	ADP
bmra-9917	38	5	maryland	maryland	PROPN
bmra-9917	38	6	’s	’s	PART
bmra-9917	38	7	economy	economy	NOUN
bmra-9917	38	8	by	by	ADP
bmra-9917	38	9	creating	create	VERB
bmra-9917	38	10	employment	employment	NOUN
bmra-9917	38	11	,	,	PUNCT
bmra-9917	38	12	promoting	promote	VERB
bmra-9917	38	13	innovation	innovation	NOUN
bmra-9917	38	14	,	,	PUNCT
bmra-9917	38	15	and	and	CCONJ
bmra-9917	38	16	expanding	expand	VERB
bmra-9917	38	17	the	the	DET
bmra-9917	38	18	tax	tax	NOUN
bmra-9917	38	19	base	base	NOUN
bmra-9917	38	20	.	.	PUNCT
bmra-9917	39	1	according	accord	VERB
bmra-9917	39	2	to	to	ADP
bmra-9917	39	3	the	the	DET
bmra-9917	39	4	u.s	u.s	PROPN
bmra-9917	39	5	.	.	PROPN
bmra-9917	39	6	small	small	PROPN
bmra-9917	39	7	business	business	PROPN
bmra-9917	39	8	association	association	PROPN
bmra-9917	39	9	office	office	NOUN
bmra-9917	39	10	of	of	ADP
bmra-9917	39	11	advocacy	advocacy	NOUN
bmra-9917	39	12	(	(	PUNCT
bmra-9917	39	13	2020	2020	NUM
bmra-9917	39	14	)	)	PUNCT
bmra-9917	39	15	,	,	PUNCT
bmra-9917	39	16	maryland	maryland	PROPN
bmra-9917	39	17	small	small	ADJ
bmra-9917	39	18	businesses	business	NOUN
bmra-9917	39	19	employed	employ	VERB
bmra-9917	39	20	more	more	ADJ
bmra-9917	39	21	than	than	ADP
bmra-9917	39	22	1.2	1.2	NUM
bmra-9917	39	23	million	million	NUM
bmra-9917	39	24	people	people	NOUN
bmra-9917	39	25	in	in	ADP
bmra-9917	39	26	2017	2017	NUM
bmra-9917	39	27	.	.	PUNCT
bmra-9917	40	1	small	small	ADJ
bmra-9917	40	2	business	business	NOUN
bmra-9917	40	3	insolvency	insolvency	NOUN
bmra-9917	40	4	in	in	ADP
bmra-9917	40	5	maryland	maryland	PROPN
bmra-9917	40	6	remains	remain	VERB
bmra-9917	40	7	high	high	ADJ
bmra-9917	40	8	,	,	PUNCT
bmra-9917	40	9	with	with	ADP
bmra-9917	40	10	over	over	ADP
bmra-9917	40	11	3,911	3,911	NUM
bmra-9917	40	12	small	small	ADJ
bmra-9917	40	13	businesses	business	NOUN
bmra-9917	40	14	exiting	exit	VERB
bmra-9917	40	15	in	in	ADP
bmra-9917	40	16	2019	2019	NUM
bmra-9917	40	17	,	,	PUNCT
bmra-9917	40	18	resulting	result	VERB
bmra-9917	40	19	in	in	ADP
bmra-9917	40	20	14,033	14,033	NUM
bmra-9917	40	21	jobs	job	NOUN
bmra-9917	40	22	lost	lose	VERB
bmra-9917	40	23	.	.	PUNCT
bmra-9917	41	1	in	in	ADP
bmra-9917	41	2	response	response	NOUN
bmra-9917	41	3	,	,	PUNCT
bmra-9917	41	4	government	government	NOUN
bmra-9917	41	5	and	and	CCONJ
bmra-9917	41	6	private	private	ADJ
bmra-9917	41	7	organizations	organization	NOUN
bmra-9917	41	8	have	have	AUX
bmra-9917	41	9	united	unite	VERB
bmra-9917	41	10	to	to	PART
bmra-9917	41	11	provide	provide	VERB
bmra-9917	41	12	loans	loan	NOUN
bmra-9917	41	13	to	to	ADP
bmra-9917	41	14	small	small	ADJ
bmra-9917	41	15	businesses	business	NOUN
bmra-9917	41	16	in	in	ADP
bmra-9917	41	17	maryland	maryland	PROPN
bmra-9917	41	18	.	.	PUNCT
bmra-9917	42	1	the	the	DET
bmra-9917	42	2	small	small	ADJ
bmra-9917	42	3	business	business	NOUN
bmra-9917	42	4	development	development	NOUN
bmra-9917	42	5	financing	financing	NOUN
bmra-9917	42	6	authority	authority	NOUN
bmra-9917	42	7	offers	offer	VERB
bmra-9917	42	8	a	a	DET
bmra-9917	42	9	range	range	NOUN
bmra-9917	42	10	of	of	ADP
bmra-9917	42	11	funding	funding	NOUN
bmra-9917	42	12	programs	program	NOUN
bmra-9917	42	13	to	to	ADP
bmra-9917	42	14	small	small	ADJ
bmra-9917	42	15	businesses	business	NOUN
bmra-9917	42	16	that	that	PRON
bmra-9917	42	17	do	do	AUX
bmra-9917	42	18	not	not	PART
bmra-9917	42	19	meet	meet	VERB
bmra-9917	42	20	the	the	DET
bmra-9917	42	21	established	establish	VERB
bmra-9917	42	22	requirements	requirement	NOUN
bmra-9917	42	23	for	for	ADP
bmra-9917	42	24	commercial	commercial	ADJ
bmra-9917	42	25	loans	loan	NOUN
bmra-9917	42	26	(	(	PUNCT
bmra-9917	42	27	maryland	maryland	PROPN
bmra-9917	42	28	department	department	PROPN
bmra-9917	42	29	of	of	ADP
bmra-9917	42	30	commerce	commerce	PROPN
bmra-9917	42	31	,	,	PUNCT
bmra-9917	42	32	2021	2021	NUM
bmra-9917	42	33	)	)	PUNCT
bmra-9917	42	34	.	.	PUNCT
bmra-9917	43	1	some	some	DET
bmra-9917	43	2	u.s	u.s	PROPN
bmra-9917	43	3	.	.	PROPN
bmra-9917	43	4	states	state	NOUN
bmra-9917	43	5	,	,	PUNCT
bmra-9917	43	6	including	include	VERB
bmra-9917	43	7	maryland	maryland	NOUN
bmra-9917	43	8	,	,	PUNCT
bmra-9917	43	9	have	have	AUX
bmra-9917	43	10	implemented	implement	VERB
bmra-9917	43	11	grants	grant	NOUN
bmra-9917	43	12	and	and	CCONJ
bmra-9917	43	13	programs	program	NOUN
bmra-9917	43	14	for	for	ADP
bmra-9917	43	15	small	small	ADJ
bmra-9917	43	16	business	business	NOUN
bmra-9917	43	17	support	support	NOUN
bmra-9917	43	18	and	and	CCONJ
bmra-9917	43	19	success	success	NOUN
bmra-9917	43	20	.	.	PUNCT
bmra-9917	44	1	access	access	NOUN
bmra-9917	44	2	to	to	ADP
bmra-9917	44	3	financing	financing	NOUN
bmra-9917	44	4	remains	remain	VERB
bmra-9917	44	5	challenging	challenging	ADJ
bmra-9917	44	6	,	,	PUNCT
bmra-9917	44	7	and	and	CCONJ
bmra-9917	44	8	borrowers	borrower	NOUN
bmra-9917	44	9	may	may	AUX
bmra-9917	44	10	become	become	VERB
bmra-9917	44	11	discouraged	discouraged	ADJ
bmra-9917	44	12	.	.	PUNCT
bmra-9917	45	1	access	access	NOUN
bmra-9917	45	2	to	to	ADP
bmra-9917	45	3	credit	credit	NOUN
bmra-9917	45	4	or	or	CCONJ
bmra-9917	45	5	other	other	ADJ
bmra-9917	45	6	sources	source	NOUN
bmra-9917	45	7	of	of	ADP
bmra-9917	45	8	financing	financing	NOUN
bmra-9917	45	9	is	be	AUX
bmra-9917	45	10	necessary	necessary	ADJ
bmra-9917	45	11	for	for	ADP
bmra-9917	45	12	the	the	DET
bmra-9917	45	13	success	success	NOUN
bmra-9917	45	14	,	,	PUNCT
bmra-9917	45	15	growth	growth	NOUN
bmra-9917	45	16	,	,	PUNCT
bmra-9917	45	17	and	and	CCONJ
bmra-9917	45	18	economic	economic	ADJ
bmra-9917	45	19	sustainability	sustainability	NOUN
bmra-9917	45	20	of	of	ADP
bmra-9917	45	21	small	small	ADJ
bmra-9917	45	22	businesses	business	NOUN
bmra-9917	45	23	(	(	PUNCT
bmra-9917	45	24	włodarczyk	włodarczyk	INTJ
bmra-9917	45	25	et	et	PROPN
bmra-9917	45	26	al	al	PROPN
bmra-9917	45	27	.	.	PROPN
bmra-9917	45	28	,	,	PUNCT
bmra-9917	45	29	2018	2018	NUM
bmra-9917	45	30	)	)	PUNCT
bmra-9917	45	31	.	.	PUNCT
bmra-9917	46	1	commerce	commerce	NOUN
bmra-9917	46	2	incentive	incentive	NOUN
bmra-9917	46	3	funds	fund	NOUN
bmra-9917	46	4	are	be	AUX
bmra-9917	46	5	a	a	DET
bmra-9917	46	6	means	means	NOUN
bmra-9917	46	7	to	to	PART
bmra-9917	46	8	help	help	VERB
bmra-9917	46	9	business	business	NOUN
bmra-9917	46	10	leaders	leader	NOUN
bmra-9917	46	11	create	create	VERB
bmra-9917	46	12	jobs	job	NOUN
bmra-9917	46	13	,	,	PUNCT
bmra-9917	46	14	support	support	VERB
bmra-9917	46	15	the	the	DET
bmra-9917	46	16	local	local	ADJ
bmra-9917	46	17	economy	economy	NOUN
bmra-9917	46	18	,	,	PUNCT
bmra-9917	46	19	help	help	AUX
bmra-9917	46	20	disadvantaged	disadvantaged	ADJ
bmra-9917	46	21	small	small	ADJ
bmra-9917	46	22	businesses	business	NOUN
bmra-9917	46	23	,	,	PUNCT
bmra-9917	46	24	and	and	CCONJ
bmra-9917	46	25	promote	promote	VERB
bmra-9917	46	26	startup	startup	NOUN
bmra-9917	46	27	businesses	business	NOUN
bmra-9917	46	28	(	(	PUNCT
bmra-9917	46	29	maryland	maryland	PROPN
bmra-9917	46	30	department	department	PROPN
bmra-9917	46	31	of	of	ADP
bmra-9917	46	32	commerce	commerce	PROPN
bmra-9917	46	33	,	,	PUNCT
bmra-9917	46	34	2021	2021	NUM
bmra-9917	46	35	)	)	PUNCT
bmra-9917	46	36	.	.	PUNCT
bmra-9917	47	1	in	in	ADP
bmra-9917	47	2	2016	2016	NUM
bmra-9917	47	3	,	,	PUNCT
bmra-9917	47	4	maryland	maryland	PROPN
bmra-9917	47	5	’s	’s	PART
bmra-9917	47	6	incentive	incentive	NOUN
bmra-9917	47	7	-	-	PUNCT
bmra-9917	47	8	based	base	VERB
bmra-9917	47	9	loans	loan	NOUN
bmra-9917	47	10	exceeded	exceed	VERB
bmra-9917	47	11	$	$	SYM
bmra-9917	47	12	90	90	NUM
bmra-9917	47	13	million	million	NUM
bmra-9917	47	14	.	.	PUNCT
bmra-9917	48	1	government	government	NOUN
bmra-9917	48	2	agencies	agency	NOUN
bmra-9917	48	3	,	,	PUNCT
bmra-9917	48	4	such	such	ADJ
bmra-9917	48	5	as	as	ADP
bmra-9917	48	6	the	the	DET
bmra-9917	48	7	u.s	u.s	PROPN
bmra-9917	48	8	.	.	PROPN
bmra-9917	48	9	small	small	PROPN
bmra-9917	48	10	business	business	PROPN
bmra-9917	48	11	association	association	PROPN
bmra-9917	48	12	,	,	PUNCT
bmra-9917	48	13	provide	provide	VERB
bmra-9917	48	14	loan	loan	NOUN
bmra-9917	48	15	guarantees	guarantee	NOUN
bmra-9917	48	16	to	to	ADP
bmra-9917	48	17	small	small	ADJ
bmra-9917	48	18	businesses	business	NOUN
bmra-9917	48	19	and	and	CCONJ
bmra-9917	48	20	encourage	encourage	VERB
bmra-9917	48	21	local	local	ADJ
bmra-9917	48	22	banks	bank	NOUN
bmra-9917	48	23	to	to	PART
bmra-9917	48	24	work	work	VERB
bmra-9917	48	25	with	with	ADP
bmra-9917	48	26	startups	startup	NOUN
bmra-9917	48	27	or	or	CCONJ
bmra-9917	48	28	established	establish	VERB
bmra-9917	48	29	companies	company	NOUN
bmra-9917	48	30	wanting	want	VERB
bmra-9917	48	31	to	to	PART
bmra-9917	48	32	expand	expand	VERB
bmra-9917	48	33	.	.	PUNCT
bmra-9917	49	1	the	the	DET
bmra-9917	49	2	u.s	u.s	PROPN
bmra-9917	49	3	.	.	PROPN
bmra-9917	49	4	small	small	PROPN
bmra-9917	49	5	business	business	PROPN
bmra-9917	49	6	association	association	PROPN
bmra-9917	49	7	’s	’s	PART
bmra-9917	49	8	microloan	microloan	PROPN
bmra-9917	49	9	program	program	NOUN
bmra-9917	49	10	provides	provide	VERB
bmra-9917	49	11	loans	loan	NOUN
bmra-9917	49	12	of	of	ADP
bmra-9917	49	13	up	up	ADP
bmra-9917	49	14	to	to	PART
bmra-9917	49	15	$	$	SYM
bmra-9917	49	16	50,000	50,000	NUM
bmra-9917	49	17	to	to	ADP
bmra-9917	49	18	small	small	ADJ
bmra-9917	49	19	businesses	business	NOUN
bmra-9917	49	20	.	.	PUNCT
bmra-9917	50	1	microloan	microloan	NOUN
bmra-9917	50	2	program	program	NOUN
bmra-9917	50	3	loans	loan	NOUN
bmra-9917	50	4	have	have	VERB
bmra-9917	50	5	considerably	considerably	ADV
bmra-9917	50	6	lower	low	ADJ
bmra-9917	50	7	interest	interest	NOUN
bmra-9917	50	8	rates	rate	NOUN
bmra-9917	50	9	than	than	ADP
bmra-9917	50	10	loans	loan	NOUN
bmra-9917	50	11	from	from	ADP
bmra-9917	50	12	other	other	ADJ
bmra-9917	50	13	lending	lending	NOUN
bmra-9917	50	14	institutions	institution	NOUN
bmra-9917	50	15	,	,	PUNCT
bmra-9917	50	16	but	but	CCONJ
bmra-9917	50	17	there	there	PRON
bmra-9917	50	18	are	be	VERB
bmra-9917	50	19	restrictions	restriction	NOUN
bmra-9917	50	20	.	.	PUNCT
bmra-9917	51	1	state	state	NOUN
bmra-9917	51	2	and	and	CCONJ
bmra-9917	51	3	federal	federal	ADJ
bmra-9917	51	4	governments	government	NOUN
bmra-9917	51	5	have	have	AUX
bmra-9917	51	6	implemented	implement	VERB
bmra-9917	51	7	funding	funding	NOUN
bmra-9917	51	8	options	option	NOUN
bmra-9917	51	9	for	for	ADP
bmra-9917	51	10	small	small	ADJ
bmra-9917	51	11	businesses	business	NOUN
bmra-9917	51	12	,	,	PUNCT
bmra-9917	51	13	including	include	VERB
bmra-9917	51	14	credit	credit	NOUN
bmra-9917	51	15	access	access	NOUN
bmra-9917	51	16	,	,	PUNCT
bmra-9917	51	17	favorable	favorable	ADJ
bmra-9917	51	18	banking	banking	NOUN
bmra-9917	51	19	regulations	regulation	NOUN
bmra-9917	51	20	,	,	PUNCT
bmra-9917	51	21	debt	debt	NOUN
bmra-9917	51	22	and	and	CCONJ
bmra-9917	51	23	equity	equity	NOUN
bmra-9917	51	24	financing	financing	NOUN
bmra-9917	51	25	,	,	PUNCT
bmra-9917	51	26	and	and	CCONJ
bmra-9917	51	27	microfinancing	microfinancing	NOUN
bmra-9917	51	28	.	.	PUNCT
bmra-9917	52	1	small	small	ADJ
bmra-9917	52	2	business	business	NOUN
bmra-9917	52	3	owners	owner	NOUN
bmra-9917	52	4	’	'	PUNCT
bmra-9917	52	5	strategies	strategy	NOUN
bmra-9917	52	6	to	to	PART
bmra-9917	52	7	acquire	acquire	VERB
bmra-9917	52	8	working	work	VERB
bmra-9917	52	9	capital	capital	NOUN
bmra-9917	52	10	are	be	AUX
bmra-9917	52	11	a	a	DET
bmra-9917	52	12	common	common	ADJ
bmra-9917	52	13	topic	topic	NOUN
bmra-9917	52	14	of	of	ADP
bmra-9917	52	15	scholarly	scholarly	ADJ
bmra-9917	52	16	inquiry	inquiry	NOUN
bmra-9917	52	17	(	(	PUNCT
bmra-9917	52	18	ahmed	ahme	VERB
bmra-9917	52	19	,	,	PUNCT
bmra-9917	52	20	2019	2019	NUM
bmra-9917	52	21	;	;	PUNCT
bmra-9917	52	22	durst	durst	PROPN
bmra-9917	52	23	&	&	CCONJ
bmra-9917	52	24	gerstlberger	gerstlberger	NOUN
bmra-9917	52	25	,	,	PUNCT
bmra-9917	52	26	2020	2020	NUM
bmra-9917	52	27	;	;	PUNCT
bmra-9917	52	28	smith	smith	PROPN
bmra-9917	52	29	,	,	PUNCT
bmra-9917	52	30	2018	2018	NUM
bmra-9917	52	31	;	;	PUNCT
bmra-9917	52	32	wani	wani	PROPN
bmra-9917	52	33	,	,	PUNCT
bmra-9917	52	34	2018	2018	NUM
bmra-9917	52	35	)	)	PUNCT
bmra-9917	52	36	.	.	PUNCT
bmra-9917	53	1	durst	durst	VERB
bmra-9917	53	2	and	and	CCONJ
bmra-9917	53	3	gerstlberger	gerstlberger	NOUN
bmra-9917	53	4	(	(	PUNCT
bmra-9917	53	5	2020	2020	NUM
bmra-9917	53	6	)	)	PUNCT
bmra-9917	53	7	explored	explore	VERB
bmra-9917	53	8	support	support	NOUN
bmra-9917	53	9	programs	program	NOUN
bmra-9917	53	10	by	by	ADP
bmra-9917	53	11	governments	government	NOUN
bmra-9917	53	12	worldwide	worldwide	ADV
bmra-9917	53	13	to	to	PART
bmra-9917	53	14	facilitate	facilitate	VERB
bmra-9917	53	15	small	small	ADJ
bmra-9917	53	16	business	business	NOUN
bmra-9917	53	17	enterprises	enterprise	NOUN
bmra-9917	53	18	’	'	PUNCT
bmra-9917	53	19	access	access	NOUN
bmra-9917	53	20	to	to	ADP
bmra-9917	53	21	capital	capital	NOUN
bmra-9917	53	22	.	.	PUNCT
bmra-9917	54	1	the	the	DET
bmra-9917	54	2	researchers	researcher	NOUN
bmra-9917	54	3	found	find	VERB
bmra-9917	54	4	significant	significant	ADJ
bmra-9917	54	5	regional	regional	ADJ
bmra-9917	54	6	differences	difference	NOUN
bmra-9917	54	7	in	in	ADP
bmra-9917	54	8	approaches	approach	NOUN
bmra-9917	54	9	to	to	ADP
bmra-9917	54	10	financing	finance	VERB
bmra-9917	54	11	small	small	ADJ
bmra-9917	54	12	business	business	NOUN
bmra-9917	54	13	enterprises	enterprise	NOUN
bmra-9917	54	14	.	.	PUNCT
bmra-9917	55	1	domestic	domestic	ADJ
bmra-9917	55	2	banks	bank	NOUN
bmra-9917	55	3	are	be	AUX
bmra-9917	55	4	the	the	DET
bmra-9917	55	5	leading	lead	VERB
bmra-9917	55	6	financing	financing	NOUN
bmra-9917	55	7	providers	provider	NOUN
bmra-9917	55	8	in	in	ADP
bmra-9917	55	9	canada	canada	PROPN
bmra-9917	55	10	,	,	PUNCT
bmra-9917	55	11	and	and	CCONJ
bmra-9917	55	12	u.s	u.s	PROPN
bmra-9917	55	13	.	.	PROPN
bmra-9917	55	14	government	government	NOUN
bmra-9917	55	15	legislators	legislator	NOUN
bmra-9917	55	16	have	have	AUX
bmra-9917	55	17	extensively	extensively	ADV
bmra-9917	55	18	used	use	VERB
bmra-9917	55	19	loans	loan	NOUN
bmra-9917	55	20	,	,	PUNCT
bmra-9917	55	21	equity	equity	NOUN
bmra-9917	55	22	financing	financing	NOUN
bmra-9917	55	23	,	,	PUNCT
bmra-9917	55	24	and	and	CCONJ
bmra-9917	55	25	surety	surety	NOUN
bmra-9917	55	26	bonds	bond	NOUN
bmra-9917	55	27	to	to	PART
bmra-9917	55	28	promote	promote	VERB
bmra-9917	55	29	small	small	ADJ
bmra-9917	55	30	business	business	NOUN
bmra-9917	55	31	owners	owner	NOUN
bmra-9917	55	32	’	'	PUNCT
bmra-9917	55	33	access	access	NOUN
bmra-9917	55	34	to	to	ADP
bmra-9917	55	35	financing	financing	NOUN
bmra-9917	55	36	.	.	PUNCT
bmra-9917	56	1	durst	durst	VERB
bmra-9917	56	2	and	and	CCONJ
bmra-9917	56	3	gerstlberger	gerstlberger	NOUN
bmra-9917	56	4	concluded	conclude	VERB
bmra-9917	56	5	that	that	SCONJ
bmra-9917	56	6	government	government	NOUN
bmra-9917	56	7	policies	policy	NOUN
bmra-9917	56	8	play	play	VERB
bmra-9917	56	9	a	a	DET
bmra-9917	56	10	critical	critical	ADJ
bmra-9917	56	11	role	role	NOUN
bmra-9917	56	12	in	in	ADP
bmra-9917	56	13	small	small	ADJ
bmra-9917	56	14	business	business	NOUN
bmra-9917	56	15	owners	owner	NOUN
bmra-9917	56	16	’	'	PUNCT
bmra-9917	56	17	acquisition	acquisition	NOUN
bmra-9917	56	18	of	of	ADP
bmra-9917	56	19	a	a	DET
bmra-9917	56	20	line	line	NOUN
bmra-9917	56	21	of	of	ADP
bmra-9917	56	22	credit	credit	NOUN
bmra-9917	56	23	.	.	PUNCT
bmra-9917	57	1	pecking	pecking	NOUN
bmra-9917	57	2	order	order	NOUN
bmra-9917	57	3	theory	theory	NOUN
bmra-9917	57	4	pecking	pecking	NOUN
bmra-9917	57	5	order	order	NOUN
bmra-9917	57	6	theory	theory	NOUN
bmra-9917	57	7	addresses	address	VERB
bmra-9917	57	8	corporate	corporate	ADJ
bmra-9917	57	9	finance	finance	NOUN
bmra-9917	57	10	by	by	ADP
bmra-9917	57	11	providing	provide	VERB
bmra-9917	57	12	a	a	DET
bmra-9917	57	13	model	model	NOUN
bmra-9917	57	14	for	for	ADP
bmra-9917	57	15	the	the	DET
bmra-9917	57	16	cost	cost	NOUN
bmra-9917	57	17	of	of	ADP
bmra-9917	57	18	financing	financing	NOUN
bmra-9917	57	19	as	as	ADP
bmra-9917	57	20	theoretically	theoretically	ADV
bmra-9917	57	21	asymmetric	asymmetric	ADJ
bmra-9917	57	22	(	(	PUNCT
bmra-9917	57	23	myers	myers	PROPN
bmra-9917	57	24	&	&	CCONJ
bmra-9917	57	25	majluf	majluf	PROPN
bmra-9917	57	26	,	,	PUNCT
bmra-9917	57	27	1984	1984	NUM
bmra-9917	57	28	)	)	PUNCT
bmra-9917	57	29	.	.	PUNCT
bmra-9917	58	1	the	the	DET
bmra-9917	58	2	model	model	NOUN
bmra-9917	58	3	suggests	suggest	VERB
bmra-9917	58	4	that	that	SCONJ
bmra-9917	58	5	business	business	NOUN
bmra-9917	58	6	owners	owner	NOUN
bmra-9917	58	7	acquire	acquire	VERB
bmra-9917	58	8	financing	financing	NOUN
bmra-9917	58	9	from	from	ADP
bmra-9917	58	10	three	three	NUM
bmra-9917	58	11	primary	primary	ADJ
bmra-9917	58	12	sources	source	NOUN
bmra-9917	58	13	:	:	PUNCT
bmra-9917	58	14	retained	retain	VERB
bmra-9917	58	15	earnings	earning	NOUN
bmra-9917	58	16	,	,	PUNCT
bmra-9917	58	17	debt	debt	NOUN
bmra-9917	58	18	,	,	PUNCT
bmra-9917	58	19	and	and	CCONJ
bmra-9917	58	20	new	new	ADJ
bmra-9917	58	21	equity	equity	NOUN
bmra-9917	58	22	.	.	PUNCT
bmra-9917	59	1	retained	retain	VERB
bmra-9917	59	2	earnings	earning	NOUN
bmra-9917	59	3	are	be	AUX
bmra-9917	59	4	the	the	DET
bmra-9917	59	5	cheapest	cheap	ADJ
bmra-9917	59	6	and	and	CCONJ
bmra-9917	59	7	preferred	preferred	ADJ
bmra-9917	59	8	funding	funding	NOUN
bmra-9917	59	9	source	source	NOUN
bmra-9917	59	10	,	,	PUNCT
bmra-9917	59	11	followed	follow	VERB
bmra-9917	59	12	by	by	ADP
bmra-9917	59	13	debt	debt	NOUN
bmra-9917	59	14	and	and	CCONJ
bmra-9917	59	15	equity	equity	NOUN
bmra-9917	59	16	.	.	PUNCT
bmra-9917	60	1	the	the	DET
bmra-9917	60	2	pecking	pecking	NOUN
bmra-9917	60	3	order	order	NOUN
bmra-9917	60	4	theory	theory	NOUN
bmra-9917	60	5	is	be	AUX
bmra-9917	60	6	particularly	particularly	ADV
bmra-9917	60	7	applicable	applicable	ADJ
bmra-9917	60	8	to	to	ADP
bmra-9917	60	9	smes	sme	NOUN
bmra-9917	60	10	,	,	PUNCT
bmra-9917	60	11	as	as	SCONJ
bmra-9917	60	12	shown	show	VERB
bmra-9917	60	13	in	in	ADP
bmra-9917	60	14	studies	study	NOUN
bmra-9917	60	15	of	of	ADP
bmra-9917	60	16	micro	micro	NOUN
bmra-9917	60	17	,	,	PUNCT
bmra-9917	60	18	small	small	ADJ
bmra-9917	60	19	,	,	PUNCT
bmra-9917	60	20	and	and	CCONJ
bmra-9917	60	21	medium	medium	ADJ
bmra-9917	60	22	enterprises	enterprise	NOUN
bmra-9917	60	23	(	(	PUNCT
bmra-9917	60	24	mittal	mittal	PROPN
bmra-9917	60	25	&	&	CCONJ
bmra-9917	60	26	raman	raman	PROPN
bmra-9917	60	27	,	,	PUNCT
bmra-9917	60	28	2020	2020	NUM
bmra-9917	60	29	;	;	PUNCT
bmra-9917	60	30	rao	rao	PROPN
bmra-9917	60	31	et	et	PROPN
bmra-9917	60	32	al	al	PROPN
bmra-9917	60	33	.	.	PROPN
bmra-9917	60	34	,	,	PUNCT
bmra-9917	60	35	2019	2019	NUM
bmra-9917	60	36	)	)	PUNCT
bmra-9917	60	37	.	.	PUNCT
bmra-9917	61	1	smith	smith	PROPN
bmra-9917	61	2	(	(	PUNCT
bmra-9917	61	3	2018	2018	NUM
bmra-9917	61	4	)	)	PUNCT
bmra-9917	61	5	used	use	VERB
bmra-9917	61	6	the	the	DET
bmra-9917	61	7	june	june	PROPN
bmra-9917	61	8	2025	2025	NUM
bmra-9917	62	1	|	|	ADV
bmra-9917	62	2	volume	volume	NOUN
bmra-9917	62	3	4	4	NUM
bmra-9917	62	4	,	,	PUNCT
bmra-9917	62	5	number	number	NOUN
bmra-9917	62	6	2	2	NUM
bmra-9917	62	7	4	4	NUM
bmra-9917	62	8	pecking	pecking	NOUN
bmra-9917	62	9	order	order	NOUN
bmra-9917	62	10	theory	theory	NOUN
bmra-9917	62	11	to	to	PART
bmra-9917	62	12	investigate	investigate	VERB
bmra-9917	62	13	the	the	DET
bmra-9917	62	14	strategies	strategy	NOUN
bmra-9917	62	15	used	use	VERB
bmra-9917	62	16	by	by	ADP
bmra-9917	62	17	small	small	ADJ
bmra-9917	62	18	business	business	NOUN
bmra-9917	62	19	owners	owner	NOUN
bmra-9917	62	20	in	in	ADP
bmra-9917	62	21	the	the	DET
bmra-9917	62	22	southeast	southeast	PROPN
bmra-9917	62	23	united	united	PROPN
bmra-9917	62	24	states	states	PROPN
bmra-9917	62	25	to	to	PART
bmra-9917	62	26	secure	secure	VERB
bmra-9917	62	27	working	working	NOUN
bmra-9917	62	28	capital	capital	NOUN
bmra-9917	62	29	for	for	ADP
bmra-9917	62	30	continued	continue	VERB
bmra-9917	62	31	operations	operation	NOUN
bmra-9917	62	32	.	.	PUNCT
bmra-9917	63	1	a	a	DET
bmra-9917	63	2	review	review	NOUN
bmra-9917	63	3	of	of	ADP
bmra-9917	63	4	company	company	NOUN
bmra-9917	63	5	documents	document	NOUN
bmra-9917	63	6	and	and	CCONJ
bmra-9917	63	7	semistructured	semistructure	VERB
bmra-9917	63	8	interviews	interview	NOUN
bmra-9917	63	9	with	with	ADP
bmra-9917	63	10	six	six	NUM
bmra-9917	63	11	business	business	NOUN
bmra-9917	63	12	owners	owner	NOUN
bmra-9917	63	13	showed	show	VERB
bmra-9917	63	14	that	that	SCONJ
bmra-9917	63	15	participants	participant	NOUN
bmra-9917	63	16	were	be	AUX
bmra-9917	63	17	more	more	ADV
bmra-9917	63	18	likely	likely	ADJ
bmra-9917	63	19	to	to	PART
bmra-9917	63	20	have	have	AUX
bmra-9917	63	21	used	use	VERB
bmra-9917	63	22	personal	personal	ADJ
bmra-9917	63	23	funds	fund	NOUN
bmra-9917	63	24	,	,	PUNCT
bmra-9917	63	25	customer	customer	NOUN
bmra-9917	63	26	revenue	revenue	NOUN
bmra-9917	63	27	streams	stream	NOUN
bmra-9917	63	28	,	,	PUNCT
bmra-9917	63	29	bootstrapping	bootstrappe	VERB
bmra-9917	63	30	,	,	PUNCT
bmra-9917	63	31	and	and	CCONJ
bmra-9917	63	32	personal	personal	ADJ
bmra-9917	63	33	credit	credit	NOUN
bmra-9917	63	34	to	to	PART
bmra-9917	63	35	initially	initially	ADV
bmra-9917	63	36	fund	fund	VERB
bmra-9917	63	37	their	their	PRON
bmra-9917	63	38	business	business	NOUN
bmra-9917	63	39	.	.	PUNCT
bmra-9917	64	1	covid-19	covid-19	PROPN
bmra-9917	64	2	although	although	SCONJ
bmra-9917	64	3	the	the	DET
bmra-9917	64	4	long	long	ADJ
bmra-9917	64	5	-	-	PUNCT
bmra-9917	64	6	term	term	NOUN
bmra-9917	64	7	impact	impact	NOUN
bmra-9917	64	8	of	of	ADP
bmra-9917	64	9	the	the	DET
bmra-9917	64	10	covid-19	covid-19	PROPN
bmra-9917	64	11	global	global	ADJ
bmra-9917	64	12	pandemic	pandemic	NOUN
bmra-9917	64	13	on	on	ADP
bmra-9917	64	14	small	small	ADJ
bmra-9917	64	15	businesses	business	NOUN
bmra-9917	64	16	is	be	AUX
bmra-9917	64	17	unknown	unknown	ADJ
bmra-9917	64	18	,	,	PUNCT
bmra-9917	64	19	early	early	ADJ
bmra-9917	64	20	responses	response	NOUN
bmra-9917	64	21	were	be	AUX
bmra-9917	64	22	alternately	alternately	ADV
bmra-9917	64	23	encouraging	encouraging	ADJ
bmra-9917	64	24	and	and	CCONJ
bmra-9917	64	25	disheartening	dishearten	VERB
bmra-9917	64	26	(	(	PUNCT
bmra-9917	64	27	depietro	depietro	NOUN
bmra-9917	64	28	,	,	PUNCT
bmra-9917	64	29	2020	2020	NUM
bmra-9917	64	30	;	;	PUNCT
bmra-9917	64	31	dunkelberg	dunkelberg	PROPN
bmra-9917	64	32	,	,	PUNCT
bmra-9917	64	33	2020	2020	NUM
bmra-9917	64	34	)	)	PUNCT
bmra-9917	64	35	.	.	PUNCT
bmra-9917	65	1	positive	positive	ADJ
bmra-9917	65	2	outcomes	outcome	NOUN
bmra-9917	65	3	have	have	AUX
bmra-9917	65	4	included	include	VERB
bmra-9917	65	5	low	low	ADJ
bmra-9917	65	6	-	-	PUNCT
bmra-9917	65	7	interest	interest	NOUN
bmra-9917	65	8	or	or	CCONJ
bmra-9917	65	9	interest	interest	NOUN
bmra-9917	65	10	-	-	PUNCT
bmra-9917	65	11	free	free	ADJ
bmra-9917	65	12	lines	line	NOUN
bmra-9917	65	13	of	of	ADP
bmra-9917	65	14	credit	credit	NOUN
bmra-9917	65	15	,	,	PUNCT
bmra-9917	65	16	higher	high	ADJ
bmra-9917	65	17	lines	line	NOUN
bmra-9917	65	18	of	of	ADP
bmra-9917	65	19	credit	credit	NOUN
bmra-9917	65	20	,	,	PUNCT
bmra-9917	65	21	waived	waive	VERB
bmra-9917	65	22	late	late	ADJ
bmra-9917	65	23	fees	fee	NOUN
bmra-9917	65	24	,	,	PUNCT
bmra-9917	65	25	and	and	CCONJ
bmra-9917	65	26	deferred	deferred	ADJ
bmra-9917	65	27	payments	payment	NOUN
bmra-9917	65	28	.	.	PUNCT
bmra-9917	66	1	covid-19	covid-19	PROPN
bmra-9917	66	2	increased	increase	VERB
bmra-9917	66	3	the	the	DET
bmra-9917	66	4	need	need	NOUN
bmra-9917	66	5	for	for	ADP
bmra-9917	66	6	small	small	ADJ
bmra-9917	66	7	business	business	NOUN
bmra-9917	66	8	credit	credit	NOUN
bmra-9917	66	9	,	,	PUNCT
bmra-9917	66	10	as	as	SCONJ
bmra-9917	66	11	indicated	indicate	VERB
bmra-9917	66	12	by	by	ADP
bmra-9917	66	13	the	the	DET
bmra-9917	66	14	demand	demand	NOUN
bmra-9917	66	15	for	for	ADP
bmra-9917	66	16	government	government	NOUN
bmra-9917	66	17	-	-	PUNCT
bmra-9917	66	18	provided	provide	VERB
bmra-9917	66	19	financial	financial	ADJ
bmra-9917	66	20	assistance	assistance	NOUN
bmra-9917	66	21	.	.	PUNCT
bmra-9917	67	1	u.s	u.s	PROPN
bmra-9917	67	2	.	.	PROPN
bmra-9917	67	3	legislators	legislator	NOUN
bmra-9917	67	4	introduced	introduce	VERB
bmra-9917	67	5	financial	financial	ADJ
bmra-9917	67	6	aid	aid	NOUN
bmra-9917	67	7	through	through	ADP
bmra-9917	67	8	small	small	ADJ
bmra-9917	67	9	business	business	NOUN
bmra-9917	67	10	loans	loan	NOUN
bmra-9917	67	11	to	to	PART
bmra-9917	67	12	pay	pay	VERB
bmra-9917	67	13	employees	employee	NOUN
bmra-9917	67	14	’	’	PART
bmra-9917	67	15	salaries	salary	NOUN
bmra-9917	67	16	while	while	SCONJ
bmra-9917	67	17	businesses	business	NOUN
bmra-9917	67	18	were	be	AUX
bmra-9917	67	19	not	not	PART
bmra-9917	67	20	operating	operate	VERB
bmra-9917	67	21	,	,	PUNCT
bmra-9917	67	22	with	with	ADP
bmra-9917	67	23	many	many	ADJ
bmra-9917	67	24	loans	loan	NOUN
bmra-9917	67	25	forgivable	forgivable	ADV
bmra-9917	67	26	.	.	PUNCT
bmra-9917	68	1	although	although	SCONJ
bmra-9917	68	2	small	small	ADJ
bmra-9917	68	3	businesses	business	NOUN
bmra-9917	68	4	often	often	ADV
bmra-9917	68	5	fare	fare	VERB
bmra-9917	68	6	better	well	ADV
bmra-9917	68	7	during	during	ADP
bmra-9917	68	8	economic	economic	ADJ
bmra-9917	68	9	difficulty	difficulty	NOUN
bmra-9917	68	10	and	and	CCONJ
bmra-9917	68	11	uncertainty	uncertainty	NOUN
bmra-9917	68	12	(	(	PUNCT
bmra-9917	68	13	harel	harel	PROPN
bmra-9917	68	14	,	,	PUNCT
bmra-9917	68	15	2021	2021	NUM
bmra-9917	68	16	)	)	PUNCT
bmra-9917	68	17	,	,	PUNCT
bmra-9917	68	18	the	the	DET
bmra-9917	68	19	covid-19	covid-19	PROPN
bmra-9917	68	20	pandemic	pandemic	NOUN
bmra-9917	68	21	was	be	AUX
bmra-9917	68	22	an	an	DET
bmra-9917	68	23	unprecedented	unprecedented	ADJ
bmra-9917	68	24	economic	economic	ADJ
bmra-9917	68	25	catastrophe	catastrophe	NOUN
bmra-9917	68	26	.	.	PUNCT
bmra-9917	69	1	smes	sme	NOUN
bmra-9917	69	2	are	be	AUX
bmra-9917	69	3	typically	typically	ADV
bmra-9917	69	4	more	more	ADJ
bmra-9917	69	5	credit	credit	NOUN
bmra-9917	69	6	-	-	PUNCT
bmra-9917	69	7	constrained	constrain	VERB
bmra-9917	69	8	than	than	ADP
bmra-9917	69	9	larger	large	ADJ
bmra-9917	69	10	operations	operation	NOUN
bmra-9917	69	11	(	(	PUNCT
bmra-9917	69	12	cao	cao	PROPN
bmra-9917	69	13	&	&	CCONJ
bmra-9917	69	14	leung	leung	PROPN
bmra-9917	69	15	,	,	PUNCT
bmra-9917	69	16	2020	2020	NUM
bmra-9917	69	17	;	;	PUNCT
bmra-9917	69	18	kumar	kumar	PROPN
bmra-9917	69	19	&	&	CCONJ
bmra-9917	69	20	francisco	francisco	PROPN
bmra-9917	69	21	,	,	PUNCT
bmra-9917	69	22	2005	2005	NUM
bmra-9917	69	23	)	)	PUNCT
bmra-9917	69	24	.	.	PUNCT
bmra-9917	70	1	industry	industry	NOUN
bmra-9917	70	2	-	-	PUNCT
bmra-9917	70	3	sector	sector	NOUN
bmra-9917	70	4	small	small	ADJ
bmra-9917	70	5	businesses	business	NOUN
bmra-9917	70	6	often	often	ADV
bmra-9917	70	7	operate	operate	VERB
bmra-9917	70	8	in	in	ADP
bmra-9917	70	9	niche	niche	NOUN
bmra-9917	70	10	and	and	CCONJ
bmra-9917	70	11	particular	particular	ADJ
bmra-9917	70	12	markets	market	NOUN
bmra-9917	70	13	(	(	PUNCT
bmra-9917	70	14	wong	wong	PROPN
bmra-9917	70	15	&	&	CCONJ
bmra-9917	70	16	aspinwall	aspinwall	PROPN
bmra-9917	70	17	,	,	PUNCT
bmra-9917	70	18	2004	2004	NUM
bmra-9917	70	19	)	)	PUNCT
bmra-9917	70	20	.	.	PUNCT
bmra-9917	71	1	in	in	ADP
bmra-9917	71	2	the	the	DET
bmra-9917	71	3	united	united	PROPN
bmra-9917	71	4	states	states	PROPN
bmra-9917	71	5	,	,	PUNCT
bmra-9917	71	6	most	most	ADJ
bmra-9917	71	7	organizations	organization	NOUN
bmra-9917	71	8	are	be	AUX
bmra-9917	71	9	small	small	ADJ
bmra-9917	71	10	businesses	business	NOUN
bmra-9917	71	11	responsible	responsible	ADJ
bmra-9917	71	12	for	for	ADP
bmra-9917	71	13	a	a	DET
bmra-9917	71	14	substantial	substantial	ADJ
bmra-9917	71	15	share	share	NOUN
bmra-9917	71	16	of	of	ADP
bmra-9917	71	17	employment	employment	NOUN
bmra-9917	71	18	(	(	PUNCT
bmra-9917	71	19	humphries	humphrie	NOUN
bmra-9917	71	20	et	et	PROPN
bmra-9917	71	21	al	al	PROPN
bmra-9917	71	22	.	.	PROPN
bmra-9917	71	23	,	,	PUNCT
bmra-9917	71	24	2020	2020	NUM
bmra-9917	71	25	)	)	PUNCT
bmra-9917	71	26	.	.	PUNCT
bmra-9917	72	1	small	small	ADJ
bmra-9917	72	2	businesses	business	NOUN
bmra-9917	72	3	in	in	ADP
bmra-9917	72	4	maryland	maryland	NOUN
bmra-9917	72	5	facing	face	VERB
bmra-9917	72	6	continued	continue	VERB
bmra-9917	72	7	covid-19	covid-19	PROPN
bmra-9917	72	8	financial	financial	ADJ
bmra-9917	72	9	impacts	impact	NOUN
bmra-9917	72	10	were	be	AUX
bmra-9917	72	11	eligible	eligible	ADJ
bmra-9917	72	12	for	for	ADP
bmra-9917	72	13	support	support	NOUN
bmra-9917	72	14	from	from	ADP
bmra-9917	72	15	the	the	DET
bmra-9917	72	16	maryland	maryland	NOUN
bmra-9917	72	17	government	government	NOUN
bmra-9917	72	18	through	through	ADP
bmra-9917	72	19	the	the	DET
bmra-9917	72	20	2021	2021	NUM
bmra-9917	72	21	covid-19	covid-19	PROPN
bmra-9917	72	22	relief	relief	NOUN
bmra-9917	72	23	grant	grant	NOUN
bmra-9917	72	24	program	program	NOUN
bmra-9917	72	25	,	,	PUNCT
bmra-9917	72	26	which	which	PRON
bmra-9917	72	27	delivered	deliver	VERB
bmra-9917	72	28	$	$	SYM
bmra-9917	72	29	10	10	NUM
bmra-9917	72	30	million	million	NUM
bmra-9917	72	31	in	in	ADP
bmra-9917	72	32	funding	funding	NOUN
bmra-9917	72	33	.	.	PUNCT
bmra-9917	73	1	the	the	DET
bmra-9917	73	2	grant	grant	NOUN
bmra-9917	73	3	provided	provide	VERB
bmra-9917	73	4	working	work	VERB
bmra-9917	73	5	capital	capital	NOUN
bmra-9917	73	6	to	to	PART
bmra-9917	73	7	assist	assist	VERB
bmra-9917	73	8	qualifying	qualify	VERB
bmra-9917	73	9	maryland	maryland	NOUN
bmra-9917	73	10	small	small	ADJ
bmra-9917	73	11	businesses	business	NOUN
bmra-9917	73	12	with	with	ADP
bmra-9917	73	13	disrupted	disrupt	VERB
bmra-9917	73	14	operations	operation	NOUN
bmra-9917	73	15	due	due	ADP
bmra-9917	73	16	to	to	ADP
bmra-9917	73	17	covid-19	covid-19	PROPN
bmra-9917	73	18	.	.	PUNCT
bmra-9917	74	1	the	the	DET
bmra-9917	74	2	covid-19	covid-19	PROPN
bmra-9917	74	3	pandemic	pandemic	NOUN
bmra-9917	74	4	introduced	introduce	VERB
bmra-9917	74	5	more	more	ADV
bmra-9917	74	6	significant	significant	ADJ
bmra-9917	74	7	challenges	challenge	NOUN
bmra-9917	74	8	in	in	ADP
bmra-9917	74	9	accessing	access	VERB
bmra-9917	74	10	capital	capital	NOUN
bmra-9917	74	11	due	due	ADP
bmra-9917	74	12	to	to	ADP
bmra-9917	74	13	national	national	ADJ
bmra-9917	74	14	and	and	CCONJ
bmra-9917	74	15	international	international	ADJ
bmra-9917	74	16	economic	economic	ADJ
bmra-9917	74	17	difficulties	difficulty	NOUN
bmra-9917	74	18	(	(	PUNCT
bmra-9917	74	19	shafi	shafi	PROPN
bmra-9917	74	20	et	et	PROPN
bmra-9917	74	21	al	al	PROPN
bmra-9917	74	22	.	.	PROPN
bmra-9917	74	23	,	,	PUNCT
bmra-9917	74	24	2020	2020	NUM
bmra-9917	74	25	)	)	PUNCT
bmra-9917	74	26	,	,	PUNCT
bmra-9917	74	27	as	as	SCONJ
bmra-9917	74	28	the	the	DET
bmra-9917	74	29	inability	inability	NOUN
bmra-9917	74	30	to	to	PART
bmra-9917	74	31	access	access	VERB
bmra-9917	74	32	funding	funding	NOUN
bmra-9917	74	33	increased	increase	VERB
bmra-9917	74	34	the	the	DET
bmra-9917	74	35	risk	risk	NOUN
bmra-9917	74	36	of	of	ADP
bmra-9917	74	37	insolvency	insolvency	NOUN
bmra-9917	74	38	and	and	CCONJ
bmra-9917	74	39	the	the	DET
bmra-9917	74	40	loss	loss	NOUN
bmra-9917	74	41	of	of	ADP
bmra-9917	74	42	competitive	competitive	ADJ
bmra-9917	74	43	advantages	advantage	NOUN
bmra-9917	74	44	(	(	PUNCT
bmra-9917	74	45	kalemli	kalemli	NOUN
bmra-9917	74	46	-	-	PUNCT
bmra-9917	74	47	ozcan	ozcan	NOUN
bmra-9917	74	48	et	et	PROPN
bmra-9917	74	49	al	al	PROPN
bmra-9917	74	50	.	.	PROPN
bmra-9917	74	51	,	,	PUNCT
bmra-9917	74	52	2020	2020	NUM
bmra-9917	74	53	)	)	PUNCT
bmra-9917	74	54	.	.	PUNCT
bmra-9917	75	1	the	the	DET
bmra-9917	75	2	maryland	maryland	PROPN
bmra-9917	75	3	small	small	ADJ
bmra-9917	75	4	business	business	NOUN
bmra-9917	75	5	covid-19	covid-19	PROPN
bmra-9917	75	6	relief	relief	NOUN
bmra-9917	75	7	grant	grant	NOUN
bmra-9917	75	8	program	program	NOUN
bmra-9917	75	9	helped	help	VERB
bmra-9917	75	10	during	during	ADP
bmra-9917	75	11	the	the	DET
bmra-9917	75	12	2020–2021	2020–2021	NUM
bmra-9917	75	13	fiscal	fiscal	ADJ
bmra-9917	75	14	year	year	NOUN
bmra-9917	75	15	when	when	SCONJ
bmra-9917	75	16	the	the	DET
bmra-9917	75	17	state	state	NOUN
bmra-9917	75	18	’s	’s	PART
bmra-9917	75	19	small	small	ADJ
bmra-9917	75	20	businesses	business	NOUN
bmra-9917	75	21	faced	face	VERB
bmra-9917	75	22	continued	continue	VERB
bmra-9917	75	23	financial	financial	ADJ
bmra-9917	75	24	impacts	impact	NOUN
bmra-9917	75	25	from	from	ADP
bmra-9917	75	26	the	the	DET
bmra-9917	75	27	pandemic	pandemic	NOUN
bmra-9917	75	28	.	.	PUNCT
bmra-9917	76	1	in	in	ADP
bmra-9917	76	2	2020	2020	NUM
bmra-9917	76	3	,	,	PUNCT
bmra-9917	76	4	state	state	NOUN
bmra-9917	76	5	leaders	leader	NOUN
bmra-9917	76	6	established	establish	VERB
bmra-9917	76	7	the	the	DET
bmra-9917	76	8	program	program	NOUN
bmra-9917	76	9	through	through	ADP
bmra-9917	76	10	bipartisan	bipartisan	ADJ
bmra-9917	76	11	legislation	legislation	NOUN
bmra-9917	76	12	,	,	PUNCT
bmra-9917	76	13	offering	offer	VERB
bmra-9917	76	14	noand	noand	NOUN
bmra-9917	76	15	low	low	ADJ
bmra-9917	76	16	-	-	PUNCT
bmra-9917	76	17	cost	cost	NOUN
bmra-9917	76	18	5	5	NUM
bmra-9917	76	19	-	-	PUNCT
bmra-9917	76	20	year	year	NOUN
bmra-9917	76	21	term	term	NOUN
bmra-9917	76	22	loans	loan	NOUN
bmra-9917	76	23	ranging	range	VERB
bmra-9917	76	24	from	from	ADP
bmra-9917	76	25	$	$	SYM
bmra-9917	76	26	25,000	25,000	NUM
bmra-9917	76	27	to	to	PART
bmra-9917	76	28	$	$	SYM
bmra-9917	76	29	200,000	200,000	NUM
bmra-9917	76	30	(	(	PUNCT
bmra-9917	76	31	maryland	maryland	PROPN
bmra-9917	76	32	department	department	PROPN
bmra-9917	76	33	of	of	ADP
bmra-9917	76	34	commerce	commerce	PROPN
bmra-9917	76	35	,	,	PUNCT
bmra-9917	76	36	2021	2021	NUM
bmra-9917	76	37	)	)	PUNCT
bmra-9917	76	38	.	.	PUNCT
bmra-9917	77	1	grant	grant	NOUN
bmra-9917	77	2	funding	funding	NOUN
bmra-9917	77	3	allowed	allow	VERB
bmra-9917	77	4	qualifying	qualify	VERB
bmra-9917	77	5	maryland	maryland	NOUN
bmra-9917	77	6	small	small	ADJ
bmra-9917	77	7	business	business	NOUN
bmra-9917	77	8	owners	owner	NOUN
bmra-9917	77	9	to	to	PART
bmra-9917	77	10	obtain	obtain	VERB
bmra-9917	77	11	working	working	NOUN
bmra-9917	77	12	capital	capital	NOUN
bmra-9917	77	13	and	and	CCONJ
bmra-9917	77	14	offset	offset	VERB
bmra-9917	77	15	disrupted	disrupt	VERB
bmra-9917	77	16	operations	operation	NOUN
bmra-9917	77	17	due	due	ADP
bmra-9917	77	18	to	to	ADP
bmra-9917	77	19	covid-19	covid-19	PROPN
bmra-9917	77	20	.	.	PUNCT
bmra-9917	78	1	methods	method	NOUN
bmra-9917	78	2	this	this	DET
bmra-9917	78	3	qualitative	qualitative	ADJ
bmra-9917	78	4	descriptive	descriptive	ADJ
bmra-9917	78	5	multiple	multiple	ADJ
bmra-9917	78	6	case	case	NOUN
bmra-9917	78	7	study	study	NOUN
bmra-9917	78	8	explored	explore	VERB
bmra-9917	78	9	small	small	ADJ
bmra-9917	78	10	business	business	NOUN
bmra-9917	78	11	owners	owner	NOUN
bmra-9917	78	12	'	'	PART
bmra-9917	78	13	strategies	strategy	NOUN
bmra-9917	78	14	to	to	PART
bmra-9917	78	15	obtain	obtain	VERB
bmra-9917	78	16	working	working	NOUN
bmra-9917	78	17	capital	capital	NOUN
bmra-9917	78	18	for	for	ADP
bmra-9917	78	19	business	business	NOUN
bmra-9917	78	20	continuity	continuity	NOUN
bmra-9917	78	21	beyond	beyond	ADP
bmra-9917	78	22	5	5	NUM
bmra-9917	78	23	years	year	NOUN
bmra-9917	78	24	.	.	PUNCT
bmra-9917	79	1	the	the	DET
bmra-9917	79	2	population	population	NOUN
bmra-9917	79	3	of	of	ADP
bmra-9917	79	4	the	the	DET
bmra-9917	79	5	study	study	NOUN
bmra-9917	79	6	was	be	AUX
bmra-9917	79	7	business	business	NOUN
bmra-9917	79	8	owners	owner	NOUN
bmra-9917	79	9	of	of	ADP
bmra-9917	79	10	small	small	ADJ
bmra-9917	79	11	manufacturing	manufacturing	NOUN
bmra-9917	79	12	and	and	CCONJ
bmra-9917	79	13	wholesale	wholesale	ADJ
bmra-9917	79	14	businesses	business	NOUN
bmra-9917	79	15	in	in	ADP
bmra-9917	79	16	maryland	maryland	NOUN
bmra-9917	79	17	with	with	ADP
bmra-9917	79	18	500	500	NUM
bmra-9917	79	19	or	or	CCONJ
bmra-9917	79	20	fewer	few	ADJ
bmra-9917	79	21	employees	employee	NOUN
bmra-9917	79	22	.	.	PUNCT
bmra-9917	80	1	the	the	DET
bmra-9917	80	2	sample	sample	NOUN
bmra-9917	80	3	comprised	comprise	VERB
bmra-9917	80	4	eight	eight	NUM
bmra-9917	80	5	small	small	ADJ
bmra-9917	80	6	business	business	NOUN
bmra-9917	80	7	owners	owner	NOUN
bmra-9917	80	8	.	.	PUNCT
bmra-9917	81	1	eligible	eligible	ADJ
bmra-9917	81	2	participants	participant	NOUN
bmra-9917	81	3	(	(	PUNCT
bmra-9917	81	4	a	a	X
bmra-9917	81	5	)	)	PUNCT
bmra-9917	81	6	owned	own	VERB
bmra-9917	81	7	a	a	DET
bmra-9917	81	8	small	small	ADJ
bmra-9917	81	9	manufacturing	manufacturing	NOUN
bmra-9917	81	10	and	and	CCONJ
bmra-9917	81	11	wholesale	wholesale	ADJ
bmra-9917	81	12	business	business	NOUN
bmra-9917	81	13	in	in	ADP
bmra-9917	81	14	maryland	maryland	NOUN
bmra-9917	81	15	for	for	ADP
bmra-9917	81	16	at	at	ADV
bmra-9917	81	17	least	least	ADV
bmra-9917	81	18	5	5	NUM
bmra-9917	81	19	years	year	NOUN
bmra-9917	81	20	,	,	PUNCT
bmra-9917	81	21	(	(	PUNCT
bmra-9917	81	22	b	b	X
bmra-9917	81	23	)	)	PUNCT
bmra-9917	81	24	employed	employ	VERB
bmra-9917	81	25	500	500	NUM
bmra-9917	81	26	or	or	CCONJ
bmra-9917	81	27	fewer	few	ADJ
bmra-9917	81	28	people	people	NOUN
bmra-9917	81	29	,	,	PUNCT
bmra-9917	81	30	and	and	CCONJ
bmra-9917	81	31	(	(	PUNCT
bmra-9917	81	32	c	c	X
bmra-9917	81	33	)	)	PUNCT
bmra-9917	81	34	used	use	VERB
bmra-9917	81	35	successful	successful	ADJ
bmra-9917	81	36	strategies	strategy	NOUN
bmra-9917	81	37	to	to	PART
bmra-9917	81	38	obtain	obtain	VERB
bmra-9917	81	39	working	working	NOUN
bmra-9917	81	40	capital	capital	NOUN
bmra-9917	81	41	for	for	ADP
bmra-9917	81	42	business	business	NOUN
bmra-9917	81	43	continuity	continuity	NOUN
bmra-9917	81	44	.	.	PUNCT
bmra-9917	82	1	participants	participant	NOUN
bmra-9917	82	2	engaged	engage	VERB
bmra-9917	82	3	in	in	ADP
bmra-9917	82	4	one	one	NUM
bmra-9917	82	5	-	-	PUNCT
bmra-9917	82	6	on	on	ADP
bmra-9917	82	7	-	-	PUNCT
bmra-9917	82	8	one	one	NUM
bmra-9917	82	9	semistructured	semistructure	VERB
bmra-9917	82	10	interviews	interview	NOUN
bmra-9917	82	11	via	via	ADP
bmra-9917	82	12	zoom	zoom	NUM
bmra-9917	82	13	.	.	PUNCT
bmra-9917	82	14	to	to	PART
bmra-9917	82	15	ensure	ensure	VERB
bmra-9917	82	16	confidentiality	confidentiality	NOUN
bmra-9917	82	17	,	,	PUNCT
bmra-9917	82	18	i	i	PRON
bmra-9917	82	19	used	use	VERB
bmra-9917	82	20	alphanumeric	alphanumeric	ADJ
bmra-9917	82	21	codes	code	NOUN
bmra-9917	82	22	instead	instead	ADV
bmra-9917	82	23	of	of	ADP
bmra-9917	82	24	names	name	NOUN
bmra-9917	82	25	(	(	PUNCT
bmra-9917	82	26	e.g.	e.g.	ADV
bmra-9917	82	27	,	,	PUNCT
bmra-9917	82	28	pl	pl	NOUN
bmra-9917	82	29	,	,	PUNCT
bmra-9917	82	30	p2	p2	NOUN
bmra-9917	82	31	,	,	PUNCT
bmra-9917	82	32	p3	p3	PROPN
bmra-9917	82	33	business	business	NOUN
bmra-9917	82	34	management	management	NOUN
bmra-9917	82	35	research	research	NOUN
bmra-9917	82	36	and	and	CCONJ
bmra-9917	82	37	applications	application	NOUN
bmra-9917	82	38	:	:	PUNCT
bmra-9917	82	39	a	a	DET
bmra-9917	82	40	cross	cross	ADJ
bmra-9917	82	41	disciplinary	disciplinary	ADJ
bmra-9917	82	42	journal	journal	NOUN
bmra-9917	82	43	5	5	NUM
bmra-9917	82	44	…	…	PUNCT
bmra-9917	82	45	)	)	PUNCT
bmra-9917	82	46	.	.	PUNCT
bmra-9917	83	1	because	because	SCONJ
bmra-9917	83	2	i	i	PRON
bmra-9917	83	3	did	do	AUX
bmra-9917	83	4	not	not	PART
bmra-9917	83	5	acquire	acquire	VERB
bmra-9917	83	6	the	the	DET
bmra-9917	83	7	participants	participant	NOUN
bmra-9917	83	8	’	'	PUNCT
bmra-9917	83	9	financial	financial	ADJ
bmra-9917	83	10	data	datum	NOUN
bmra-9917	83	11	,	,	PUNCT
bmra-9917	83	12	i	i	PRON
bmra-9917	83	13	searched	search	VERB
bmra-9917	83	14	publicly	publicly	ADV
bmra-9917	83	15	available	available	ADJ
bmra-9917	83	16	documents	document	NOUN
bmra-9917	83	17	to	to	PART
bmra-9917	83	18	support	support	VERB
bmra-9917	83	19	this	this	DET
bmra-9917	83	20	study	study	NOUN
bmra-9917	83	21	.	.	PUNCT
bmra-9917	84	1	i	i	PRON
bmra-9917	84	2	located	locate	VERB
bmra-9917	84	3	three	three	NUM
bmra-9917	84	4	pertinent	pertinent	ADJ
bmra-9917	84	5	documents	document	NOUN
bmra-9917	84	6	on	on	ADP
bmra-9917	84	7	the	the	DET
bmra-9917	84	8	u.s	u.s	PROPN
bmra-9917	84	9	.	.	PROPN
bmra-9917	84	10	small	small	PROPN
bmra-9917	84	11	business	business	PROPN
bmra-9917	84	12	association	association	NOUN
bmra-9917	84	13	website	website	NOUN
bmra-9917	84	14	:	:	PUNCT
bmra-9917	84	15	financial	financial	ADJ
bmra-9917	84	16	statements	statement	NOUN
bmra-9917	84	17	,	,	PUNCT
bmra-9917	84	18	investment	investment	NOUN
bmra-9917	84	19	performance	performance	NOUN
bmra-9917	84	20	,	,	PUNCT
bmra-9917	84	21	and	and	CCONJ
bmra-9917	84	22	financial	financial	ADJ
bmra-9917	84	23	portfolios	portfolio	NOUN
bmra-9917	84	24	.	.	PUNCT
bmra-9917	85	1	i	i	PRON
bmra-9917	85	2	used	use	VERB
bmra-9917	85	3	nvivo	nvivo	ADJ
bmra-9917	85	4	14	14	NUM
bmra-9917	85	5	qualitative	qualitative	ADJ
bmra-9917	85	6	coding	code	VERB
bmra-9917	85	7	software	software	NOUN
bmra-9917	85	8	to	to	PART
bmra-9917	85	9	identify	identify	VERB
bmra-9917	85	10	similar	similar	ADJ
bmra-9917	85	11	words	word	NOUN
bmra-9917	85	12	and	and	CCONJ
bmra-9917	85	13	phrases	phrase	NOUN
bmra-9917	85	14	and	and	CCONJ
bmra-9917	85	15	manually	manually	ADV
bmra-9917	85	16	reviewed	review	VERB
bmra-9917	85	17	the	the	DET
bmra-9917	85	18	data	datum	NOUN
bmra-9917	85	19	for	for	ADP
bmra-9917	85	20	redundancy	redundancy	NOUN
bmra-9917	85	21	,	,	PUNCT
bmra-9917	85	22	accuracy	accuracy	NOUN
bmra-9917	85	23	,	,	PUNCT
bmra-9917	85	24	and	and	CCONJ
bmra-9917	85	25	theme	theme	NOUN
bmra-9917	85	26	identification	identification	NOUN
bmra-9917	85	27	.	.	PUNCT
bmra-9917	86	1	in	in	ADP
bmra-9917	86	2	line	line	NOUN
bmra-9917	86	3	with	with	ADP
bmra-9917	86	4	a	a	DET
bmra-9917	86	5	multiple	multiple	ADJ
bmra-9917	86	6	case	case	NOUN
bmra-9917	86	7	study	study	NOUN
bmra-9917	86	8	design	design	NOUN
bmra-9917	86	9	,	,	PUNCT
bmra-9917	86	10	the	the	DET
bmra-9917	86	11	thematic	thematic	ADJ
bmra-9917	86	12	data	datum	NOUN
bmra-9917	86	13	analysis	analysis	NOUN
bmra-9917	86	14	approach	approach	NOUN
bmra-9917	86	15	provided	provide	VERB
bmra-9917	86	16	an	an	DET
bmra-9917	86	17	enhanced	enhanced	ADJ
bmra-9917	86	18	understanding	understanding	NOUN
bmra-9917	86	19	of	of	ADP
bmra-9917	86	20	the	the	DET
bmra-9917	86	21	phenomenon	phenomenon	NOUN
bmra-9917	86	22	and	and	CCONJ
bmra-9917	86	23	the	the	DET
bmra-9917	86	24	participants	participant	NOUN
bmra-9917	86	25	’	'	PUNCT
bmra-9917	86	26	experiences	experience	NOUN
bmra-9917	86	27	.	.	PUNCT
bmra-9917	87	1	results	result	NOUN
bmra-9917	87	2	and	and	CCONJ
bmra-9917	87	3	discussion	discussion	NOUN
bmra-9917	87	4	five	five	NUM
bmra-9917	87	5	major	major	ADJ
bmra-9917	87	6	themes	theme	NOUN
bmra-9917	87	7	emerged	emerge	VERB
bmra-9917	87	8	from	from	ADP
bmra-9917	87	9	coding	code	VERB
bmra-9917	87	10	:	:	PUNCT
bmra-9917	87	11	(	(	PUNCT
bmra-9917	87	12	a	a	X
bmra-9917	87	13	)	)	PUNCT
bmra-9917	87	14	financing	financing	NOUN
bmra-9917	87	15	through	through	ADP
bmra-9917	87	16	retained	retain	VERB
bmra-9917	87	17	earnings	earning	NOUN
bmra-9917	87	18	,	,	PUNCT
bmra-9917	87	19	(	(	PUNCT
bmra-9917	87	20	b	b	NOUN
bmra-9917	87	21	)	)	PUNCT
bmra-9917	87	22	financing	financing	NOUN
bmra-9917	87	23	through	through	ADP
bmra-9917	87	24	nontraditional	nontraditional	ADJ
bmra-9917	87	25	lending	lending	NOUN
bmra-9917	87	26	sources	source	NOUN
bmra-9917	87	27	,	,	PUNCT
bmra-9917	87	28	(	(	PUNCT
bmra-9917	87	29	c	c	X
bmra-9917	87	30	)	)	PUNCT
bmra-9917	87	31	external	external	ADJ
bmra-9917	87	32	funding	funding	NOUN
bmra-9917	87	33	not	not	PART
bmra-9917	87	34	readily	readily	ADV
bmra-9917	87	35	accessible	accessible	ADJ
bmra-9917	87	36	in	in	ADP
bmra-9917	87	37	earlier	early	ADJ
bmra-9917	87	38	years	year	NOUN
bmra-9917	87	39	,	,	PUNCT
bmra-9917	87	40	(	(	PUNCT
bmra-9917	87	41	d	d	X
bmra-9917	87	42	)	)	PUNCT
bmra-9917	87	43	external	external	ADJ
bmra-9917	87	44	financing	financing	NOUN
bmra-9917	87	45	used	use	VERB
bmra-9917	87	46	at	at	ADP
bmra-9917	87	47	later	later	ADV
bmra-9917	87	48	and	and	CCONJ
bmra-9917	87	49	critical	critical	ADJ
bmra-9917	87	50	stages	stage	NOUN
bmra-9917	87	51	of	of	ADP
bmra-9917	87	52	business	business	NOUN
bmra-9917	87	53	,	,	PUNCT
bmra-9917	87	54	and	and	CCONJ
bmra-9917	87	55	(	(	PUNCT
bmra-9917	87	56	e	e	NOUN
bmra-9917	87	57	)	)	PUNCT
bmra-9917	87	58	minimizing	minimize	VERB
bmra-9917	87	59	business	business	NOUN
bmra-9917	87	60	operational	operational	ADJ
bmra-9917	87	61	costs	cost	NOUN
bmra-9917	87	62	and	and	CCONJ
bmra-9917	87	63	expenses	expense	NOUN
bmra-9917	87	64	(	(	PUNCT
bmra-9917	87	65	see	see	VERB
bmra-9917	87	66	table	table	NOUN
bmra-9917	87	67	1	1	NUM
bmra-9917	87	68	)	)	PUNCT
bmra-9917	87	69	.	.	PUNCT
bmra-9917	88	1	the	the	DET
bmra-9917	88	2	themes	theme	NOUN
bmra-9917	88	3	are	be	AUX
bmra-9917	88	4	discussed	discuss	VERB
bmra-9917	88	5	in	in	ADP
bmra-9917	88	6	the	the	DET
bmra-9917	88	7	following	follow	VERB
bmra-9917	88	8	subsections	subsection	NOUN
bmra-9917	88	9	.	.	PUNCT
bmra-9917	89	1	table	table	NOUN
bmra-9917	89	2	1	1	NUM
bmra-9917	89	3	main	main	ADJ
bmra-9917	89	4	themes	theme	NOUN
bmra-9917	89	5	and	and	CCONJ
bmra-9917	89	6	frequencies	frequency	NOUN
bmra-9917	89	7	themes	theme	NOUN
bmra-9917	89	8	n	n	PRON
bmra-9917	89	9	participants	participant	NOUN
bmra-9917	89	10	referencing	reference	VERB
bmra-9917	89	11	the	the	DET
bmra-9917	89	12	theme	theme	NOUN
bmra-9917	89	13	n	n	DET
bmra-9917	89	14	times	time	NOUN
bmra-9917	89	15	referenced	reference	VERB
bmra-9917	89	16	1	1	NUM
bmra-9917	89	17	.	.	X
bmra-9917	89	18	financing	finance	VERB
bmra-9917	89	19	through	through	ADP
bmra-9917	89	20	retained	retain	VERB
bmra-9917	89	21	earnings	earning	NOUN
bmra-9917	89	22	8	8	NUM
bmra-9917	89	23	8	8	NUM
bmra-9917	89	24	2	2	NUM
bmra-9917	89	25	.	.	PUNCT
bmra-9917	89	26	financing	finance	VERB
bmra-9917	89	27	through	through	ADP
bmra-9917	89	28	nontraditional	nontraditional	ADJ
bmra-9917	89	29	lending	lending	NOUN
bmra-9917	89	30	sources	source	NOUN
bmra-9917	89	31	7	7	NUM
bmra-9917	89	32	19	19	NUM
bmra-9917	89	33	3	3	NUM
bmra-9917	89	34	.	.	PUNCT
bmra-9917	90	1	external	external	ADJ
bmra-9917	90	2	funding	funding	NOUN
bmra-9917	90	3	not	not	PART
bmra-9917	90	4	readily	readily	ADV
bmra-9917	90	5	accessible	accessible	ADJ
bmra-9917	90	6	in	in	ADP
bmra-9917	90	7	earlier	early	ADJ
bmra-9917	90	8	years	year	NOUN
bmra-9917	90	9	7	7	NUM
bmra-9917	90	10	16	16	NUM
bmra-9917	90	11	4	4	NUM
bmra-9917	90	12	.	.	PUNCT
bmra-9917	91	1	external	external	ADJ
bmra-9917	91	2	financing	financing	NOUN
bmra-9917	91	3	used	use	VERB
bmra-9917	91	4	at	at	ADP
bmra-9917	91	5	later	later	ADV
bmra-9917	91	6	and	and	CCONJ
bmra-9917	91	7	critical	critical	ADJ
bmra-9917	91	8	stages	stage	NOUN
bmra-9917	91	9	of	of	ADP
bmra-9917	91	10	business	business	NOUN
bmra-9917	91	11	6	6	NUM
bmra-9917	91	12	21	21	NUM
bmra-9917	91	13	5	5	NUM
bmra-9917	91	14	.	.	PUNCT
bmra-9917	91	15	minimizing	minimize	VERB
bmra-9917	91	16	business	business	NOUN
bmra-9917	91	17	operational	operational	ADJ
bmra-9917	91	18	costs	cost	NOUN
bmra-9917	91	19	and	and	CCONJ
bmra-9917	91	20	expenses	expense	VERB
bmra-9917	91	21	4	4	NUM
bmra-9917	91	22	13	13	NUM
bmra-9917	91	23	theme	theme	NOUN
bmra-9917	91	24	1	1	NUM
bmra-9917	91	25	:	:	PUNCT
bmra-9917	91	26	financing	finance	VERB
bmra-9917	91	27	through	through	ADP
bmra-9917	91	28	retained	retain	VERB
bmra-9917	91	29	earnings	earning	NOUN
bmra-9917	91	30	the	the	DET
bmra-9917	91	31	small	small	ADJ
bmra-9917	91	32	business	business	NOUN
bmra-9917	91	33	owners	owner	NOUN
bmra-9917	91	34	interviewed	interview	VERB
bmra-9917	91	35	in	in	ADP
bmra-9917	91	36	this	this	DET
bmra-9917	91	37	study	study	NOUN
bmra-9917	91	38	identified	identify	VERB
bmra-9917	91	39	retained	retain	VERB
bmra-9917	91	40	earnings	earning	NOUN
bmra-9917	91	41	as	as	ADP
bmra-9917	91	42	the	the	DET
bmra-9917	91	43	most	most	ADV
bmra-9917	91	44	common	common	ADJ
bmra-9917	91	45	financing	financing	NOUN
bmra-9917	91	46	approach	approach	NOUN
bmra-9917	91	47	.	.	PUNCT
bmra-9917	92	1	most	most	ADJ
bmra-9917	92	2	participants	participant	NOUN
bmra-9917	92	3	used	use	VERB
bmra-9917	92	4	this	this	DET
bmra-9917	92	5	option	option	NOUN
bmra-9917	92	6	to	to	PART
bmra-9917	92	7	sustain	sustain	VERB
bmra-9917	92	8	operations	operation	NOUN
bmra-9917	92	9	and	and	CCONJ
bmra-9917	92	10	borrow	borrow	VERB
bmra-9917	92	11	as	as	ADV
bmra-9917	92	12	little	little	ADJ
bmra-9917	92	13	as	as	ADP
bmra-9917	92	14	possible	possible	ADJ
bmra-9917	92	15	,	,	PUNCT
bmra-9917	92	16	especially	especially	ADV
bmra-9917	92	17	in	in	ADP
bmra-9917	92	18	the	the	DET
bmra-9917	92	19	first	first	ADJ
bmra-9917	92	20	5	5	NUM
bmra-9917	92	21	years	year	NOUN
bmra-9917	92	22	.	.	PUNCT
bmra-9917	93	1	p2	p2	PROPN
bmra-9917	93	2	and	and	CCONJ
bmra-9917	93	3	p4	p4	PROPN
bmra-9917	93	4	reported	report	VERB
bmra-9917	93	5	using	use	VERB
bmra-9917	93	6	90	90	NUM
bmra-9917	93	7	%	%	NOUN
bmra-9917	93	8	internal	internal	ADJ
bmra-9917	93	9	financing	financing	NOUN
bmra-9917	93	10	to	to	PART
bmra-9917	93	11	incur	incur	VERB
bmra-9917	93	12	minimal	minimal	ADJ
bmra-9917	93	13	debt	debt	NOUN
bmra-9917	93	14	.	.	PUNCT
bmra-9917	94	1	p2	p2	PROPN
bmra-9917	94	2	said	say	VERB
bmra-9917	94	3	,	,	PUNCT
bmra-9917	94	4	“	"	PUNCT
bmra-9917	94	5	it	it	PRON
bmra-9917	94	6	makes	make	VERB
bmra-9917	94	7	the	the	DET
bmra-9917	94	8	most	most	ADJ
bmra-9917	94	9	sense	sense	NOUN
bmra-9917	94	10	to	to	PART
bmra-9917	94	11	use	use	VERB
bmra-9917	94	12	business	business	NOUN
bmra-9917	94	13	profits	profit	NOUN
bmra-9917	94	14	first	first	ADV
bmra-9917	94	15	.	.	PUNCT
bmra-9917	95	1	external	external	ADJ
bmra-9917	95	2	financing	financing	NOUN
bmra-9917	95	3	is	be	AUX
bmra-9917	95	4	the	the	DET
bmra-9917	95	5	last	last	ADJ
bmra-9917	95	6	resort	resort	NOUN
bmra-9917	95	7	.	.	PUNCT
bmra-9917	95	8	”	"	PUNCT
bmra-9917	96	1	p4	p4	PROPN
bmra-9917	96	2	reported	report	VERB
bmra-9917	96	3	,	,	PUNCT
bmra-9917	96	4	“	"	PUNCT
bmra-9917	96	5	by	by	ADP
bmra-9917	96	6	using	use	VERB
bmra-9917	96	7	retained	retain	VERB
bmra-9917	96	8	earnings	earning	NOUN
bmra-9917	96	9	,	,	PUNCT
bmra-9917	96	10	i	i	PRON
bmra-9917	96	11	avoided	avoid	VERB
bmra-9917	96	12	paying	pay	VERB
bmra-9917	96	13	unnecessary	unnecessary	ADJ
bmra-9917	96	14	interest	interest	NOUN
bmra-9917	96	15	charges	charge	NOUN
bmra-9917	96	16	.	.	PUNCT
bmra-9917	96	17	”	"	PUNCT
bmra-9917	97	1	with	with	ADP
bmra-9917	97	2	low	low	ADJ
bmra-9917	97	3	or	or	CCONJ
bmra-9917	97	4	zero	zero	NUM
bmra-9917	97	5	interest	interest	NOUN
bmra-9917	97	6	,	,	PUNCT
bmra-9917	97	7	internal	internal	ADJ
bmra-9917	97	8	funding	funding	NOUN
bmra-9917	97	9	has	have	VERB
bmra-9917	97	10	less	less	ADJ
bmra-9917	97	11	risk	risk	NOUN
bmra-9917	97	12	and	and	CCONJ
bmra-9917	97	13	cost	cost	NOUN
bmra-9917	97	14	than	than	ADP
bmra-9917	97	15	other	other	ADJ
bmra-9917	97	16	financing	financing	NOUN
bmra-9917	97	17	sources	source	NOUN
bmra-9917	97	18	.	.	PUNCT
bmra-9917	98	1	p3	p3	PROPN
bmra-9917	98	2	said	say	VERB
bmra-9917	98	3	,	,	PUNCT
bmra-9917	98	4	“	"	PUNCT
bmra-9917	98	5	each	each	PRON
bmra-9917	98	6	of	of	ADP
bmra-9917	98	7	these	these	DET
bmra-9917	98	8	funding	funding	NOUN
bmra-9917	98	9	sources	source	NOUN
bmra-9917	98	10	has	have	AUX
bmra-9917	98	11	associated	associate	VERB
bmra-9917	98	12	costs	cost	NOUN
bmra-9917	98	13	,	,	PUNCT
bmra-9917	98	14	one	one	NUM
bmra-9917	98	15	more	more	ADJ
bmra-9917	98	16	than	than	ADP
bmra-9917	98	17	the	the	DET
bmra-9917	98	18	other	other	ADJ
bmra-9917	98	19	.	.	PUNCT
bmra-9917	99	1	so	so	ADV
bmra-9917	99	2	,	,	PUNCT
bmra-9917	99	3	what	what	PRON
bmra-9917	99	4	i	i	PRON
bmra-9917	99	5	try	try	VERB
bmra-9917	99	6	to	to	PART
bmra-9917	99	7	do	do	VERB
bmra-9917	99	8	is	be	AUX
bmra-9917	99	9	first	first	ADV
bmra-9917	99	10	utilize	utilize	VERB
bmra-9917	99	11	the	the	DET
bmra-9917	99	12	cheapest	cheap	ADJ
bmra-9917	99	13	one	one	NUM
bmra-9917	99	14	,	,	PUNCT
bmra-9917	99	15	of	of	ADP
bmra-9917	99	16	course	course	NOUN
bmra-9917	99	17	.	.	PUNCT
bmra-9917	100	1	the	the	DET
bmra-9917	100	2	cheapest	cheap	ADJ
bmra-9917	100	3	one	one	NOUN
bmra-9917	100	4	is	be	AUX
bmra-9917	100	5	my	my	PRON
bmra-9917	100	6	capital	capital	NOUN
bmra-9917	100	7	,	,	PUNCT
bmra-9917	100	8	so	so	SCONJ
bmra-9917	100	9	we	we	PRON
bmra-9917	100	10	use	use	VERB
bmra-9917	100	11	that	that	PRON
bmra-9917	100	12	first	first	ADV
bmra-9917	100	13	.	.	PUNCT
bmra-9917	100	14	”	"	PUNCT
bmra-9917	101	1	most	most	ADJ
bmra-9917	101	2	participants	participant	NOUN
bmra-9917	101	3	preferred	preferred	ADJ
bmra-9917	101	4	using	use	VERB
bmra-9917	101	5	business	business	NOUN
bmra-9917	101	6	earnings	earning	NOUN
bmra-9917	101	7	(	(	PUNCT
bmra-9917	101	8	theme	theme	NOUN
bmra-9917	101	9	1	1	NUM
bmra-9917	101	10	)	)	PUNCT
bmra-9917	101	11	and	and	CCONJ
bmra-9917	101	12	personal	personal	ADJ
bmra-9917	101	13	financing	financing	NOUN
bmra-9917	101	14	(	(	PUNCT
bmra-9917	101	15	theme	theme	NOUN
bmra-9917	101	16	2	2	NUM
bmra-9917	101	17	subtheme	subtheme	NOUN
bmra-9917	101	18	)	)	PUNCT
bmra-9917	101	19	,	,	PUNCT
bmra-9917	101	20	with	with	ADP
bmra-9917	101	21	two	two	NUM
bmra-9917	101	22	drawing	draw	VERB
bmra-9917	101	23	almost	almost	ADV
bmra-9917	101	24	exclusively	exclusively	ADV
bmra-9917	101	25	from	from	ADP
bmra-9917	101	26	company	company	NOUN
bmra-9917	101	27	funds	fund	NOUN
bmra-9917	101	28	.	.	PUNCT
bmra-9917	102	1	june	june	PROPN
bmra-9917	102	2	2025	2025	NUM
bmra-9917	102	3	|	|	ADV
bmra-9917	102	4	volume	volume	NOUN
bmra-9917	102	5	4	4	NUM
bmra-9917	102	6	,	,	PUNCT
bmra-9917	102	7	number	number	NOUN
bmra-9917	102	8	2	2	NUM
bmra-9917	102	9	6	6	NUM
bmra-9917	102	10	theme	theme	NOUN
bmra-9917	102	11	2	2	NUM
bmra-9917	102	12	:	:	PUNCT
bmra-9917	102	13	financing	finance	VERB
bmra-9917	102	14	through	through	ADP
bmra-9917	102	15	nontraditional	nontraditional	ADJ
bmra-9917	102	16	lending	lending	NOUN
bmra-9917	102	17	sources	source	NOUN
bmra-9917	102	18	the	the	DET
bmra-9917	102	19	participants	participant	NOUN
bmra-9917	102	20	employed	employ	VERB
bmra-9917	102	21	less	less	ADJ
bmra-9917	102	22	traditional	traditional	ADJ
bmra-9917	102	23	efforts	effort	NOUN
bmra-9917	102	24	to	to	PART
bmra-9917	102	25	minimize	minimize	VERB
bmra-9917	102	26	debt	debt	NOUN
bmra-9917	102	27	in	in	ADP
bmra-9917	102	28	their	their	PRON
bmra-9917	102	29	financing	financing	NOUN
bmra-9917	102	30	choice	choice	NOUN
bmra-9917	102	31	.	.	PUNCT
bmra-9917	103	1	personal	personal	ADJ
bmra-9917	103	2	resources	resource	NOUN
bmra-9917	103	3	were	be	AUX
bmra-9917	103	4	common	common	ADJ
bmra-9917	103	5	funding	funding	NOUN
bmra-9917	103	6	sources	source	NOUN
bmra-9917	103	7	.	.	PUNCT
bmra-9917	104	1	p8	p8	PROPN
bmra-9917	104	2	stated	state	VERB
bmra-9917	104	3	,	,	PUNCT
bmra-9917	104	4	the	the	DET
bmra-9917	104	5	first	first	ADJ
bmra-9917	104	6	5	5	NUM
bmra-9917	104	7	years	year	NOUN
bmra-9917	104	8	was	be	AUX
bmra-9917	104	9	personal	personal	ADJ
bmra-9917	104	10	funding	funding	NOUN
bmra-9917	104	11	,	,	PUNCT
bmra-9917	104	12	mainly	mainly	ADV
bmra-9917	104	13	personal	personal	ADJ
bmra-9917	104	14	funding	funding	NOUN
bmra-9917	104	15	.	.	PUNCT
bmra-9917	105	1	we	we	PRON
bmra-9917	105	2	did	do	AUX
bmra-9917	105	3	n’t	not	PART
bmra-9917	105	4	refinance	refinance	VERB
bmra-9917	105	5	our	our	PRON
bmra-9917	105	6	house	house	NOUN
bmra-9917	105	7	like	like	SCONJ
bmra-9917	105	8	some	some	DET
bmra-9917	105	9	entrepreneurs	entrepreneur	NOUN
bmra-9917	105	10	do	do	VERB
bmra-9917	105	11	.	.	PUNCT
bmra-9917	106	1	we	we	PRON
bmra-9917	106	2	chose	choose	VERB
bmra-9917	106	3	not	not	PART
bmra-9917	106	4	to	to	PART
bmra-9917	106	5	do	do	VERB
bmra-9917	106	6	that	that	PRON
bmra-9917	106	7	.	.	PUNCT
bmra-9917	107	1	we	we	PRON
bmra-9917	107	2	used	use	VERB
bmra-9917	107	3	personal	personal	ADJ
bmra-9917	107	4	savings	saving	NOUN
bmra-9917	107	5	,	,	PUNCT
bmra-9917	107	6	withdrew	withdraw	VERB
bmra-9917	107	7	from	from	ADP
bmra-9917	107	8	our	our	PRON
bmra-9917	107	9	401(k	401(k	NOUN
bmra-9917	107	10	)	)	PUNCT
bmra-9917	107	11	,	,	PUNCT
bmra-9917	107	12	and	and	CCONJ
bmra-9917	107	13	[	[	X
bmra-9917	107	14	drew	draw	VERB
bmra-9917	107	15	from	from	ADP
bmra-9917	107	16	]	]	PUNCT
bmra-9917	107	17	any	any	DET
bmra-9917	107	18	other	other	ADJ
bmra-9917	107	19	funds	fund	NOUN
bmra-9917	107	20	we	we	PRON
bmra-9917	107	21	could	could	AUX
bmra-9917	107	22	get	get	VERB
bmra-9917	107	23	.	.	PUNCT
bmra-9917	108	1	p1	p1	PROPN
bmra-9917	108	2	used	use	VERB
bmra-9917	108	3	self	self	NOUN
bmra-9917	108	4	-	-	PUNCT
bmra-9917	108	5	funding	funding	NOUN
bmra-9917	108	6	to	to	PART
bmra-9917	108	7	raise	raise	VERB
bmra-9917	108	8	capital	capital	NOUN
bmra-9917	108	9	and	and	CCONJ
bmra-9917	108	10	sustain	sustain	VERB
bmra-9917	108	11	operations	operation	NOUN
bmra-9917	108	12	.	.	PUNCT
bmra-9917	109	1	in	in	ADP
bmra-9917	109	2	some	some	DET
bmra-9917	109	3	instances	instance	NOUN
bmra-9917	109	4	,	,	PUNCT
bmra-9917	109	5	the	the	DET
bmra-9917	109	6	participants	participant	NOUN
bmra-9917	109	7	preferred	prefer	VERB
bmra-9917	109	8	personal	personal	ADJ
bmra-9917	109	9	borrowing	borrowing	NOUN
bmra-9917	109	10	due	due	ADP
bmra-9917	109	11	to	to	ADP
bmra-9917	109	12	their	their	PRON
bmra-9917	109	13	inability	inability	NOUN
bmra-9917	109	14	to	to	PART
bmra-9917	109	15	raise	raise	VERB
bmra-9917	109	16	funds	fund	NOUN
bmra-9917	109	17	from	from	ADP
bmra-9917	109	18	other	other	ADJ
bmra-9917	109	19	sources	source	NOUN
bmra-9917	109	20	.	.	PUNCT
bmra-9917	110	1	p2	p2	PROPN
bmra-9917	110	2	mentioned	mention	VERB
bmra-9917	110	3	applying	apply	VERB
bmra-9917	110	4	for	for	ADP
bmra-9917	110	5	a	a	DET
bmra-9917	110	6	loan	loan	NOUN
bmra-9917	110	7	,	,	PUNCT
bmra-9917	110	8	receiving	receive	VERB
bmra-9917	110	9	a	a	DET
bmra-9917	110	10	rejection	rejection	NOUN
bmra-9917	110	11	,	,	PUNCT
bmra-9917	110	12	and	and	CCONJ
bmra-9917	110	13	turning	turn	VERB
bmra-9917	110	14	to	to	ADP
bmra-9917	110	15	her	her	PRON
bmra-9917	110	16	family	family	NOUN
bmra-9917	110	17	to	to	PART
bmra-9917	110	18	help	help	VERB
bmra-9917	110	19	sustain	sustain	VERB
bmra-9917	110	20	her	her	PRON
bmra-9917	110	21	business	business	NOUN
bmra-9917	110	22	.	.	PUNCT
bmra-9917	111	1	across	across	ADP
bmra-9917	111	2	the	the	DET
bmra-9917	111	3	participants	participant	NOUN
bmra-9917	111	4	,	,	PUNCT
bmra-9917	111	5	nontraditional	nontraditional	ADJ
bmra-9917	111	6	financing	financing	NOUN
bmra-9917	111	7	sources	source	NOUN
bmra-9917	111	8	included	include	VERB
bmra-9917	111	9	personal	personal	ADJ
bmra-9917	111	10	funds	fund	NOUN
bmra-9917	111	11	(	(	PUNCT
bmra-9917	111	12	n	n	NOUN
bmra-9917	111	13	=	=	SYM
bmra-9917	111	14	8)	8)	NUM
bmra-9917	111	15	,	,	PUNCT
bmra-9917	111	16	personal	personal	ADJ
bmra-9917	111	17	borrowing	borrowing	NOUN
bmra-9917	111	18	(	(	PUNCT
bmra-9917	111	19	n	n	NOUN
bmra-9917	111	20	=	=	SYM
bmra-9917	111	21	5	5	NUM
bmra-9917	111	22	)	)	PUNCT
bmra-9917	111	23	,	,	PUNCT
bmra-9917	111	24	family	family	NOUN
bmra-9917	111	25	and	and	CCONJ
bmra-9917	111	26	spousal	spousal	NOUN
bmra-9917	111	27	savings	saving	NOUN
bmra-9917	111	28	(	(	PUNCT
bmra-9917	111	29	n	n	NOUN
bmra-9917	111	30	=	=	NOUN
bmra-9917	111	31	4	4	NUM
bmra-9917	111	32	)	)	PUNCT
bmra-9917	111	33	,	,	PUNCT
bmra-9917	111	34	and	and	CCONJ
bmra-9917	111	35	franchising	franchising	NOUN
bmra-9917	111	36	and	and	CCONJ
bmra-9917	111	37	payment	payment	NOUN
bmra-9917	111	38	plans	plan	NOUN
bmra-9917	111	39	(	(	PUNCT
bmra-9917	111	40	n	n	NOUN
bmra-9917	111	41	=	=	SYM
bmra-9917	111	42	4	4	NUM
bmra-9917	111	43	)	)	PUNCT
bmra-9917	111	44	.	.	PUNCT
bmra-9917	112	1	subtheme	subtheme	NOUN
bmra-9917	112	2	1	1	NUM
bmra-9917	112	3	:	:	PUNCT
bmra-9917	112	4	personal	personal	ADJ
bmra-9917	112	5	funds	fund	NOUN
bmra-9917	112	6	all	all	DET
bmra-9917	112	7	participants	participant	NOUN
bmra-9917	112	8	reported	report	VERB
bmra-9917	112	9	accessing	access	VERB
bmra-9917	112	10	personal	personal	ADJ
bmra-9917	112	11	funds	fund	NOUN
bmra-9917	112	12	or	or	CCONJ
bmra-9917	112	13	savings	saving	NOUN
bmra-9917	112	14	to	to	PART
bmra-9917	112	15	finance	finance	VERB
bmra-9917	112	16	business	business	NOUN
bmra-9917	112	17	operations	operation	NOUN
bmra-9917	112	18	,	,	PUNCT
bmra-9917	112	19	which	which	PRON
bmra-9917	112	20	they	they	PRON
bmra-9917	112	21	identified	identify	VERB
bmra-9917	112	22	as	as	ADP
bmra-9917	112	23	an	an	DET
bmra-9917	112	24	easy	easy	ADJ
bmra-9917	112	25	internal	internal	ADJ
bmra-9917	112	26	funding	funding	NOUN
bmra-9917	112	27	strategy	strategy	NOUN
bmra-9917	112	28	.	.	PUNCT
bmra-9917	113	1	the	the	DET
bmra-9917	113	2	business	business	NOUN
bmra-9917	113	3	owners	owner	NOUN
bmra-9917	113	4	discussed	discuss	VERB
bmra-9917	113	5	using	use	VERB
bmra-9917	113	6	their	their	PRON
bmra-9917	113	7	investments	investment	NOUN
bmra-9917	113	8	,	,	PUNCT
bmra-9917	113	9	savings	saving	NOUN
bmra-9917	113	10	,	,	PUNCT
bmra-9917	113	11	and	and	CCONJ
bmra-9917	113	12	salaries	salary	NOUN
bmra-9917	113	13	from	from	ADP
bmra-9917	113	14	the	the	DET
bmra-9917	113	15	company	company	NOUN
bmra-9917	113	16	and	and	CCONJ
bmra-9917	113	17	other	other	ADJ
bmra-9917	113	18	jobs	job	NOUN
bmra-9917	113	19	.	.	PUNCT
bmra-9917	114	1	p4	p4	ADJ
bmra-9917	114	2	responded	respond	VERB
bmra-9917	114	3	,	,	PUNCT
bmra-9917	114	4	“	"	PUNCT
bmra-9917	114	5	it	it	PRON
bmra-9917	114	6	was	be	AUX
bmra-9917	114	7	mostly	mostly	ADV
bmra-9917	114	8	savings	saving	NOUN
bmra-9917	114	9	.	.	PUNCT
bmra-9917	115	1	i	i	PRON
bmra-9917	115	2	utilized	utilize	VERB
bmra-9917	115	3	my	my	PRON
bmra-9917	115	4	saved	save	VERB
bmra-9917	115	5	funds	fund	NOUN
bmra-9917	115	6	.	.	PUNCT
bmra-9917	115	7	”	"	PUNCT
bmra-9917	116	1	some	some	DET
bmra-9917	116	2	participants	participant	NOUN
bmra-9917	116	3	had	have	VERB
bmra-9917	116	4	side	side	NOUN
bmra-9917	116	5	jobs	job	NOUN
bmra-9917	116	6	and	and	CCONJ
bmra-9917	116	7	external	external	ADJ
bmra-9917	116	8	salaries	salary	NOUN
bmra-9917	116	9	in	in	ADP
bmra-9917	116	10	their	their	PRON
bmra-9917	116	11	businesses	business	NOUN
bmra-9917	116	12	’	'	PUNCT
bmra-9917	116	13	early	early	ADJ
bmra-9917	116	14	stages	stage	NOUN
bmra-9917	116	15	.	.	PUNCT
bmra-9917	117	1	p1	p1	NOUN
bmra-9917	117	2	stated	state	VERB
bmra-9917	117	3	,	,	PUNCT
bmra-9917	117	4	“	"	PUNCT
bmra-9917	117	5	most	most	ADJ
bmra-9917	117	6	of	of	ADP
bmra-9917	117	7	our	our	PRON
bmra-9917	117	8	capital	capital	NOUN
bmra-9917	117	9	has	have	AUX
bmra-9917	117	10	been	be	AUX
bmra-9917	117	11	self	self	NOUN
bmra-9917	117	12	-	-	PUNCT
bmra-9917	117	13	funded	fund	VERB
bmra-9917	117	14	.	.	PUNCT
bmra-9917	117	15	”	"	PUNCT
bmra-9917	117	16	subtheme	subtheme	NOUN
bmra-9917	117	17	2	2	NUM
bmra-9917	117	18	:	:	PUNCT
bmra-9917	117	19	personal	personal	ADJ
bmra-9917	117	20	borrowing	borrowing	NOUN
bmra-9917	117	21	five	five	NUM
bmra-9917	117	22	of	of	ADP
bmra-9917	117	23	the	the	DET
bmra-9917	117	24	eight	eight	NUM
bmra-9917	117	25	participants	participant	NOUN
bmra-9917	117	26	reported	report	VERB
bmra-9917	117	27	using	use	VERB
bmra-9917	117	28	financing	financing	NOUN
bmra-9917	117	29	options	option	NOUN
bmra-9917	117	30	that	that	PRON
bmra-9917	117	31	required	require	VERB
bmra-9917	117	32	personal	personal	ADJ
bmra-9917	117	33	borrowing	borrowing	NOUN
bmra-9917	117	34	,	,	PUNCT
bmra-9917	117	35	such	such	ADJ
bmra-9917	117	36	as	as	ADP
bmra-9917	117	37	retirement	retirement	NOUN
bmra-9917	117	38	plan	plan	NOUN
bmra-9917	117	39	withdrawals	withdrawal	NOUN
bmra-9917	117	40	,	,	PUNCT
bmra-9917	117	41	credit	credit	NOUN
bmra-9917	117	42	cards	card	NOUN
bmra-9917	117	43	,	,	PUNCT
bmra-9917	117	44	and	and	CCONJ
bmra-9917	117	45	home	home	NOUN
bmra-9917	117	46	equity	equity	NOUN
bmra-9917	117	47	loans	loan	NOUN
bmra-9917	117	48	.	.	PUNCT
bmra-9917	118	1	pl	pl	PROPN
bmra-9917	118	2	reported	report	VERB
bmra-9917	118	3	using	use	VERB
bmra-9917	118	4	retirement	retirement	NOUN
bmra-9917	118	5	funds	fund	NOUN
bmra-9917	118	6	to	to	PART
bmra-9917	118	7	maintain	maintain	VERB
bmra-9917	118	8	business	business	NOUN
bmra-9917	118	9	continuity	continuity	NOUN
bmra-9917	118	10	.	.	PUNCT
bmra-9917	119	1	the	the	DET
bmra-9917	119	2	participant	participant	NOUN
bmra-9917	119	3	said	say	VERB
bmra-9917	119	4	,	,	PUNCT
bmra-9917	119	5	“	"	PUNCT
bmra-9917	119	6	when	when	SCONJ
bmra-9917	119	7	i	i	PRON
bmra-9917	119	8	have	have	VERB
bmra-9917	119	9	[	[	X
bmra-9917	119	10	a	a	X
bmra-9917	119	11	]	]	X
bmra-9917	119	12	need	need	NOUN
bmra-9917	119	13	to	to	PART
bmra-9917	119	14	fund	fund	VERB
bmra-9917	119	15	anything	anything	PRON
bmra-9917	119	16	,	,	PUNCT
bmra-9917	119	17	i	i	PRON
bmra-9917	119	18	take	take	VERB
bmra-9917	119	19	out	out	ADP
bmra-9917	119	20	money	money	NOUN
bmra-9917	119	21	from	from	ADP
bmra-9917	119	22	my	my	PRON
bmra-9917	119	23	ira	ira	PROPN
bmra-9917	119	24	and	and	CCONJ
bmra-9917	119	25	my	my	PRON
bmra-9917	119	26	401(k	401(k	NOUN
bmra-9917	119	27	)	)	PUNCT
bmra-9917	119	28	accounts	account	NOUN
bmra-9917	119	29	.	.	PUNCT
bmra-9917	119	30	”	"	PUNCT
bmra-9917	120	1	some	some	DET
bmra-9917	120	2	participants	participant	NOUN
bmra-9917	120	3	relied	rely	VERB
bmra-9917	120	4	on	on	ADP
bmra-9917	120	5	credit	credit	NOUN
bmra-9917	120	6	or	or	CCONJ
bmra-9917	120	7	home	home	NOUN
bmra-9917	120	8	equity	equity	NOUN
bmra-9917	120	9	for	for	ADP
bmra-9917	120	10	business	business	NOUN
bmra-9917	120	11	funding	funding	NOUN
bmra-9917	120	12	.	.	PUNCT
bmra-9917	121	1	in	in	ADP
bmra-9917	121	2	some	some	DET
bmra-9917	121	3	situations	situation	NOUN
bmra-9917	121	4	,	,	PUNCT
bmra-9917	121	5	the	the	DET
bmra-9917	121	6	business	business	NOUN
bmra-9917	121	7	owners	owner	NOUN
bmra-9917	121	8	obtained	obtain	VERB
bmra-9917	121	9	money	money	NOUN
bmra-9917	121	10	from	from	ADP
bmra-9917	121	11	their	their	PRON
bmra-9917	121	12	or	or	CCONJ
bmra-9917	121	13	their	their	PRON
bmra-9917	121	14	family	family	NOUN
bmra-9917	121	15	members	member	NOUN
bmra-9917	121	16	’	’	PART
bmra-9917	121	17	credit	credit	NOUN
bmra-9917	121	18	limits	limit	NOUN
bmra-9917	121	19	and	and	CCONJ
bmra-9917	121	20	credit	credit	NOUN
bmra-9917	121	21	cards	card	NOUN
bmra-9917	121	22	.	.	PUNCT
bmra-9917	122	1	p2	p2	PROPN
bmra-9917	122	2	said	say	VERB
bmra-9917	122	3	,	,	PUNCT
bmra-9917	122	4	“	"	PUNCT
bmra-9917	122	5	when	when	SCONJ
bmra-9917	122	6	i	i	PRON
bmra-9917	122	7	have	have	AUX
bmra-9917	122	8	required	require	VERB
bmra-9917	122	9	short	short	ADJ
bmra-9917	122	10	-	-	PUNCT
bmra-9917	122	11	term	term	NOUN
bmra-9917	122	12	funds	fund	NOUN
bmra-9917	122	13	,	,	PUNCT
bmra-9917	122	14	i	i	PRON
bmra-9917	122	15	have	have	VERB
bmra-9917	122	16	to	to	PART
bmra-9917	122	17	use	use	VERB
bmra-9917	122	18	my	my	PRON
bmra-9917	122	19	son	son	NOUN
bmra-9917	122	20	’s	’s	PART
bmra-9917	122	21	credit	credit	NOUN
bmra-9917	122	22	to	to	PART
bmra-9917	122	23	access	access	VERB
bmra-9917	122	24	funding	funding	NOUN
bmra-9917	122	25	.	.	PUNCT
bmra-9917	122	26	”	"	PUNCT
bmra-9917	123	1	p3	p3	PROPN
bmra-9917	123	2	recalled	recall	VERB
bmra-9917	123	3	,	,	PUNCT
bmra-9917	123	4	“	"	PUNCT
bmra-9917	123	5	we	we	PRON
bmra-9917	123	6	did	do	AUX
bmra-9917	123	7	n’t	not	PART
bmra-9917	123	8	borrow	borrow	VERB
bmra-9917	123	9	much	much	ADJ
bmra-9917	123	10	.	.	PUNCT
bmra-9917	124	1	it	it	PRON
bmra-9917	124	2	was	be	AUX
bmra-9917	124	3	just	just	ADV
bmra-9917	124	4	personal	personal	ADJ
bmra-9917	124	5	savings	saving	NOUN
bmra-9917	124	6	,	,	PUNCT
bmra-9917	124	7	taking	take	VERB
bmra-9917	124	8	money	money	NOUN
bmra-9917	124	9	out	out	ADP
bmra-9917	124	10	from	from	ADP
bmra-9917	124	11	our	our	PRON
bmra-9917	124	12	401(k	401(k	NOUN
bmra-9917	124	13	)	)	PUNCT
bmra-9917	124	14	accounts	account	NOUN
bmra-9917	124	15	,	,	PUNCT
bmra-9917	124	16	using	use	VERB
bmra-9917	124	17	simple	simple	ADJ
bmra-9917	124	18	stuff	stuff	NOUN
bmra-9917	124	19	like	like	ADP
bmra-9917	124	20	credit	credit	NOUN
bmra-9917	124	21	cards	card	NOUN
bmra-9917	124	22	to	to	PART
bmra-9917	124	23	purchase	purchase	VERB
bmra-9917	124	24	items	item	NOUN
bmra-9917	124	25	…	…	PUNCT
bmra-9917	124	26	required	require	VERB
bmra-9917	124	27	to	to	PART
bmra-9917	124	28	operate	operate	VERB
bmra-9917	124	29	the	the	DET
bmra-9917	124	30	business	business	NOUN
bmra-9917	124	31	.	.	PUNCT
bmra-9917	124	32	”	"	PUNCT
bmra-9917	125	1	p3	p3	PROPN
bmra-9917	125	2	reported	report	VERB
bmra-9917	125	3	using	use	VERB
bmra-9917	125	4	his	his	PRON
bmra-9917	125	5	home	home	NOUN
bmra-9917	125	6	’s	’s	PART
bmra-9917	125	7	equity	equity	NOUN
bmra-9917	125	8	to	to	PART
bmra-9917	125	9	finance	finance	VERB
bmra-9917	125	10	his	his	PRON
bmra-9917	125	11	business	business	NOUN
bmra-9917	125	12	.	.	PUNCT
bmra-9917	126	1	subtheme	subtheme	NOUN
bmra-9917	126	2	3	3	NUM
bmra-9917	126	3	:	:	PUNCT
bmra-9917	126	4	family	family	NOUN
bmra-9917	126	5	–	–	PUNCT
bmra-9917	126	6	spousal	spousal	NOUN
bmra-9917	126	7	savings	saving	NOUN
bmra-9917	126	8	four	four	NUM
bmra-9917	126	9	participants	participant	NOUN
bmra-9917	126	10	mentioned	mention	VERB
bmra-9917	126	11	using	use	VERB
bmra-9917	126	12	family	family	NOUN
bmra-9917	126	13	or	or	CCONJ
bmra-9917	126	14	spousal	spousal	NOUN
bmra-9917	126	15	savings	saving	NOUN
bmra-9917	126	16	to	to	PART
bmra-9917	126	17	fund	fund	VERB
bmra-9917	126	18	their	their	PRON
bmra-9917	126	19	businesses	business	NOUN
bmra-9917	126	20	in	in	ADP
bmra-9917	126	21	the	the	DET
bmra-9917	126	22	early	early	ADJ
bmra-9917	126	23	stages	stage	NOUN
bmra-9917	126	24	.	.	PUNCT
bmra-9917	127	1	in	in	ADP
bmra-9917	127	2	some	some	DET
bmra-9917	127	3	cases	case	NOUN
bmra-9917	127	4	,	,	PUNCT
bmra-9917	127	5	personal	personal	ADJ
bmra-9917	127	6	funds	fund	NOUN
bmra-9917	127	7	were	be	AUX
bmra-9917	127	8	necessary	necessary	ADJ
bmra-9917	127	9	due	due	ADP
bmra-9917	127	10	to	to	ADP
bmra-9917	127	11	the	the	DET
bmra-9917	127	12	inability	inability	NOUN
bmra-9917	127	13	to	to	PART
bmra-9917	127	14	obtain	obtain	VERB
bmra-9917	127	15	external	external	ADJ
bmra-9917	127	16	financing	financing	NOUN
bmra-9917	127	17	.	.	PUNCT
bmra-9917	128	1	p2	p2	PROPN
bmra-9917	128	2	said	say	VERB
bmra-9917	128	3	,	,	PUNCT
bmra-9917	128	4	“	"	PUNCT
bmra-9917	128	5	i	i	PRON
bmra-9917	128	6	actually	actually	ADV
bmra-9917	128	7	tried	try	VERB
bmra-9917	128	8	to	to	PART
bmra-9917	128	9	get	get	VERB
bmra-9917	128	10	a	a	DET
bmra-9917	128	11	loan	loan	NOUN
bmra-9917	128	12	,	,	PUNCT
bmra-9917	128	13	but	but	CCONJ
bmra-9917	128	14	i	i	PRON
bmra-9917	128	15	did	do	AUX
bmra-9917	128	16	n’t	not	PART
bmra-9917	128	17	succeed	succeed	VERB
bmra-9917	128	18	.	.	PUNCT
bmra-9917	129	1	so	so	ADV
bmra-9917	129	2	,	,	PUNCT
bmra-9917	129	3	in	in	ADP
bmra-9917	129	4	my	my	PRON
bmra-9917	129	5	first	first	ADJ
bmra-9917	129	6	year	year	NOUN
bmra-9917	129	7	or	or	CCONJ
bmra-9917	129	8	so	so	ADV
bmra-9917	129	9	,	,	PUNCT
bmra-9917	129	10	i	i	PRON
bmra-9917	129	11	relied	rely	VERB
bmra-9917	129	12	on	on	ADP
bmra-9917	129	13	family	family	NOUN
bmra-9917	129	14	money	money	NOUN
bmra-9917	129	15	.	.	PUNCT
bmra-9917	129	16	”	"	PUNCT
bmra-9917	130	1	other	other	ADJ
bmra-9917	130	2	participants	participant	NOUN
bmra-9917	130	3	reported	report	VERB
bmra-9917	130	4	using	use	VERB
bmra-9917	130	5	personal	personal	ADJ
bmra-9917	130	6	money	money	NOUN
bmra-9917	130	7	to	to	PART
bmra-9917	130	8	start	start	VERB
bmra-9917	130	9	business	business	NOUN
bmra-9917	130	10	management	management	NOUN
bmra-9917	130	11	research	research	NOUN
bmra-9917	130	12	and	and	CCONJ
bmra-9917	130	13	applications	application	NOUN
bmra-9917	130	14	:	:	PUNCT
bmra-9917	130	15	a	a	DET
bmra-9917	130	16	cross	cross	ADJ
bmra-9917	130	17	disciplinary	disciplinary	ADJ
bmra-9917	130	18	journal	journal	NOUN
bmra-9917	130	19	7	7	NUM
bmra-9917	130	20	the	the	DET
bmra-9917	130	21	business	business	NOUN
bmra-9917	130	22	.	.	PUNCT
bmra-9917	131	1	p6	p6	PROPN
bmra-9917	131	2	stated	state	VERB
bmra-9917	131	3	,	,	PUNCT
bmra-9917	131	4	“	"	PUNCT
bmra-9917	131	5	we	we	PRON
bmra-9917	131	6	commenced	commence	VERB
bmra-9917	131	7	operations	operation	NOUN
bmra-9917	131	8	in	in	ADP
bmra-9917	131	9	2013	2013	NUM
bmra-9917	131	10	utilizing	utilize	VERB
bmra-9917	131	11	initial	initial	ADJ
bmra-9917	131	12	equity	equity	NOUN
bmra-9917	131	13	from	from	ADP
bmra-9917	131	14	family	family	NOUN
bmra-9917	131	15	.	.	PUNCT
bmra-9917	132	1	so	so	ADV
bmra-9917	132	2	about	about	ADV
bmra-9917	132	3	40	40	NUM
bmra-9917	132	4	%	%	NOUN
bmra-9917	132	5	of	of	ADP
bmra-9917	132	6	startup	startup	NOUN
bmra-9917	132	7	capital	capital	NOUN
bmra-9917	132	8	was	be	AUX
bmra-9917	132	9	from	from	ADP
bmra-9917	132	10	family	family	NOUN
bmra-9917	132	11	funds	fund	NOUN
bmra-9917	132	12	.	.	PUNCT
bmra-9917	132	13	”	"	PUNCT
bmra-9917	132	14	subtheme	subtheme	NOUN
bmra-9917	132	15	4	4	NUM
bmra-9917	132	16	:	:	PUNCT
bmra-9917	132	17	franchising	franchising	NOUN
bmra-9917	132	18	and	and	CCONJ
bmra-9917	132	19	payment	payment	NOUN
bmra-9917	132	20	plans	plan	NOUN
bmra-9917	132	21	four	four	NUM
bmra-9917	132	22	participants	participant	NOUN
bmra-9917	132	23	used	use	VERB
bmra-9917	132	24	franchising	franchising	NOUN
bmra-9917	132	25	,	,	PUNCT
bmra-9917	132	26	and	and	CCONJ
bmra-9917	132	27	payment	payment	NOUN
bmra-9917	132	28	plans	plan	NOUN
bmra-9917	132	29	for	for	ADP
bmra-9917	132	30	continued	continued	ADJ
bmra-9917	132	31	operations	operation	NOUN
bmra-9917	132	32	.	.	PUNCT
bmra-9917	133	1	p1	p1	NOUN
bmra-9917	133	2	and	and	CCONJ
bmra-9917	133	3	p6	p6	PROPN
bmra-9917	133	4	developed	develop	VERB
bmra-9917	133	5	payment	payment	NOUN
bmra-9917	133	6	plans	plan	NOUN
bmra-9917	133	7	with	with	ADP
bmra-9917	133	8	other	other	ADJ
bmra-9917	133	9	companies	company	NOUN
bmra-9917	133	10	to	to	PART
bmra-9917	133	11	purchase	purchase	VERB
bmra-9917	133	12	high	high	ADJ
bmra-9917	133	13	-	-	PUNCT
bmra-9917	133	14	value	value	NOUN
bmra-9917	133	15	equipment	equipment	NOUN
bmra-9917	133	16	.	.	PUNCT
bmra-9917	134	1	p6	p6	PROPN
bmra-9917	134	2	explained	explain	VERB
bmra-9917	134	3	,	,	PUNCT
bmra-9917	134	4	“	"	PUNCT
bmra-9917	134	5	our	our	PRON
bmra-9917	134	6	suppliers	supplier	NOUN
bmra-9917	134	7	allowed	allow	VERB
bmra-9917	134	8	us	we	PRON
bmra-9917	134	9	to	to	PART
bmra-9917	134	10	spread	spread	VERB
bmra-9917	134	11	out	out	ADP
bmra-9917	134	12	repayment	repayment	NOUN
bmra-9917	134	13	over	over	ADP
bmra-9917	134	14	a	a	DET
bmra-9917	134	15	period	period	NOUN
bmra-9917	134	16	of	of	ADP
bmra-9917	134	17	time	time	NOUN
bmra-9917	134	18	to	to	PART
bmra-9917	134	19	avoid	avoid	VERB
bmra-9917	134	20	having	have	VERB
bmra-9917	134	21	to	to	PART
bmra-9917	134	22	apply	apply	VERB
bmra-9917	134	23	for	for	ADP
bmra-9917	134	24	bank	bank	NOUN
bmra-9917	134	25	loans	loan	NOUN
bmra-9917	134	26	.	.	PUNCT
bmra-9917	134	27	”	"	PUNCT
bmra-9917	135	1	pl	pl	PROPN
bmra-9917	135	2	reported	report	VERB
bmra-9917	135	3	,	,	PUNCT
bmra-9917	135	4	“	"	PUNCT
bmra-9917	135	5	spreading	spread	VERB
bmra-9917	135	6	out	out	ADP
bmra-9917	135	7	payments	payment	NOUN
bmra-9917	135	8	allowed	allow	VERB
bmra-9917	135	9	me	i	PRON
bmra-9917	135	10	to	to	PART
bmra-9917	135	11	use	use	VERB
bmra-9917	135	12	internally	internally	ADV
bmra-9917	135	13	generated	generate	VERB
bmra-9917	135	14	cash	cash	NOUN
bmra-9917	135	15	flow	flow	NOUN
bmra-9917	135	16	.	.	PUNCT
bmra-9917	136	1	…	…	PUNCT
bmra-9917	136	2	it	it	PRON
bmra-9917	136	3	’s	’	VERB
bmra-9917	136	4	only	only	ADV
bmra-9917	136	5	when	when	SCONJ
bmra-9917	136	6	we	we	PRON
bmra-9917	136	7	need	need	VERB
bmra-9917	136	8	to	to	PART
bmra-9917	136	9	make	make	VERB
bmra-9917	136	10	a	a	DET
bmra-9917	136	11	capital	capital	NOUN
bmra-9917	136	12	purchase	purchase	NOUN
bmra-9917	136	13	that	that	PRON
bmra-9917	136	14	we	we	PRON
bmra-9917	136	15	seek	seek	VERB
bmra-9917	136	16	external	external	ADJ
bmra-9917	136	17	funding	funding	NOUN
bmra-9917	136	18	sources	source	NOUN
bmra-9917	136	19	.	.	PUNCT
bmra-9917	136	20	”	"	PUNCT
bmra-9917	137	1	theme	theme	NOUN
bmra-9917	137	2	3	3	NUM
bmra-9917	137	3	:	:	PUNCT
bmra-9917	137	4	external	external	ADJ
bmra-9917	137	5	funding	funding	NOUN
bmra-9917	137	6	not	not	PART
bmra-9917	137	7	readily	readily	ADV
bmra-9917	137	8	accessible	accessible	ADJ
bmra-9917	137	9	in	in	ADP
bmra-9917	137	10	earlier	early	ADJ
bmra-9917	137	11	years	year	NOUN
bmra-9917	137	12	the	the	DET
bmra-9917	137	13	third	third	ADJ
bmra-9917	137	14	theme	theme	NOUN
bmra-9917	137	15	from	from	ADP
bmra-9917	137	16	the	the	DET
bmra-9917	137	17	interview	interview	NOUN
bmra-9917	137	18	data	datum	NOUN
bmra-9917	137	19	was	be	AUX
bmra-9917	137	20	that	that	PRON
bmra-9917	137	21	external	external	ADJ
bmra-9917	137	22	funding	funding	NOUN
bmra-9917	137	23	was	be	AUX
bmra-9917	137	24	not	not	PART
bmra-9917	137	25	readily	readily	ADV
bmra-9917	137	26	accessible	accessible	ADJ
bmra-9917	137	27	in	in	ADP
bmra-9917	137	28	the	the	DET
bmra-9917	137	29	early	early	ADJ
bmra-9917	137	30	years	year	NOUN
bmra-9917	137	31	of	of	ADP
bmra-9917	137	32	the	the	DET
bmra-9917	137	33	business	business	NOUN
bmra-9917	137	34	.	.	PUNCT
bmra-9917	138	1	the	the	DET
bmra-9917	138	2	small	small	ADJ
bmra-9917	138	3	business	business	NOUN
bmra-9917	138	4	owners	owner	NOUN
bmra-9917	138	5	found	find	VERB
bmra-9917	138	6	accessing	access	VERB
bmra-9917	138	7	loans	loan	NOUN
bmra-9917	138	8	and	and	CCONJ
bmra-9917	138	9	external	external	ADJ
bmra-9917	138	10	funds	fund	NOUN
bmra-9917	138	11	challenging	challenging	ADJ
bmra-9917	138	12	and	and	CCONJ
bmra-9917	138	13	sometimes	sometimes	ADV
bmra-9917	138	14	impossible	impossible	ADJ
bmra-9917	138	15	.	.	PUNCT
bmra-9917	139	1	some	some	DET
bmra-9917	139	2	participants	participant	NOUN
bmra-9917	139	3	were	be	AUX
bmra-9917	139	4	uninterested	uninterested	ADJ
bmra-9917	139	5	and	and	CCONJ
bmra-9917	139	6	skeptical	skeptical	ADJ
bmra-9917	139	7	of	of	ADP
bmra-9917	139	8	loans	loan	NOUN
bmra-9917	139	9	;	;	PUNCT
bmra-9917	139	10	others	other	NOUN
bmra-9917	139	11	tried	try	VERB
bmra-9917	139	12	to	to	PART
bmra-9917	139	13	obtain	obtain	VERB
bmra-9917	139	14	loans	loan	NOUN
bmra-9917	139	15	but	but	CCONJ
bmra-9917	139	16	could	could	AUX
bmra-9917	139	17	not	not	PART
bmra-9917	139	18	.	.	PUNCT
bmra-9917	140	1	p2	p2	PROPN
bmra-9917	140	2	stated	state	VERB
bmra-9917	140	3	,	,	PUNCT
bmra-9917	140	4	“	"	PUNCT
bmra-9917	140	5	i	i	PRON
bmra-9917	140	6	actually	actually	ADV
bmra-9917	140	7	tried	try	VERB
bmra-9917	140	8	to	to	PART
bmra-9917	140	9	get	get	VERB
bmra-9917	140	10	a	a	DET
bmra-9917	140	11	loan	loan	NOUN
bmra-9917	140	12	but	but	CCONJ
bmra-9917	140	13	was	be	AUX
bmra-9917	140	14	unsuccessful	unsuccessful	ADJ
bmra-9917	140	15	.	.	PUNCT
bmra-9917	141	1	so	so	ADV
bmra-9917	141	2	,	,	PUNCT
bmra-9917	141	3	i	i	PRON
bmra-9917	141	4	mostly	mostly	ADV
bmra-9917	141	5	used	use	VERB
bmra-9917	141	6	family	family	NOUN
bmra-9917	141	7	money	money	NOUN
bmra-9917	141	8	during	during	ADP
bmra-9917	141	9	my	my	PRON
bmra-9917	141	10	first	first	ADJ
bmra-9917	141	11	year	year	NOUN
bmra-9917	141	12	of	of	ADP
bmra-9917	141	13	operations	operation	NOUN
bmra-9917	141	14	.	.	PUNCT
bmra-9917	141	15	”	"	PUNCT
bmra-9917	142	1	p2	p2	PROPN
bmra-9917	142	2	shared	share	VERB
bmra-9917	142	3	a	a	DET
bmra-9917	142	4	letter	letter	NOUN
bmra-9917	142	5	from	from	ADP
bmra-9917	142	6	a	a	DET
bmra-9917	142	7	bank	bank	NOUN
bmra-9917	142	8	detailing	detail	VERB
bmra-9917	142	9	a	a	DET
bmra-9917	142	10	lack	lack	NOUN
bmra-9917	142	11	of	of	ADP
bmra-9917	142	12	credit	credit	NOUN
bmra-9917	142	13	history	history	NOUN
bmra-9917	142	14	as	as	ADP
bmra-9917	142	15	the	the	DET
bmra-9917	142	16	primary	primary	ADJ
bmra-9917	142	17	reason	reason	NOUN
bmra-9917	142	18	for	for	ADP
bmra-9917	142	19	denial	denial	NOUN
bmra-9917	142	20	.	.	PUNCT
bmra-9917	143	1	the	the	DET
bmra-9917	143	2	participants	participant	NOUN
bmra-9917	143	3	interested	interested	ADJ
bmra-9917	143	4	in	in	ADP
bmra-9917	143	5	small	small	ADJ
bmra-9917	143	6	business	business	NOUN
bmra-9917	143	7	association	association	PROPN
bmra-9917	143	8	(	(	PUNCT
bmra-9917	143	9	sba	sba	PROPN
bmra-9917	143	10	)	)	PUNCT
bmra-9917	143	11	loans	loan	NOUN
bmra-9917	143	12	said	say	VERB
bmra-9917	143	13	the	the	DET
bmra-9917	143	14	application	application	NOUN
bmra-9917	143	15	questions	question	NOUN
bmra-9917	143	16	were	be	AUX
bmra-9917	143	17	cumbersome	cumbersome	ADJ
bmra-9917	143	18	,	,	PUNCT
bmra-9917	143	19	and	and	CCONJ
bmra-9917	143	20	they	they	PRON
bmra-9917	143	21	could	could	AUX
bmra-9917	143	22	not	not	PART
bmra-9917	143	23	handle	handle	VERB
bmra-9917	143	24	the	the	DET
bmra-9917	143	25	process	process	NOUN
bmra-9917	143	26	at	at	ADP
bmra-9917	143	27	the	the	DET
bmra-9917	143	28	time	time	NOUN
bmra-9917	143	29	.	.	PUNCT
bmra-9917	144	1	bank	bank	NOUN
bmra-9917	144	2	rates	rate	NOUN
bmra-9917	144	3	for	for	ADP
bmra-9917	144	4	new	new	ADJ
bmra-9917	144	5	businesses	business	NOUN
bmra-9917	144	6	were	be	AUX
bmra-9917	144	7	also	also	ADV
bmra-9917	144	8	unfavorable	unfavorable	ADJ
bmra-9917	144	9	,	,	PUNCT
bmra-9917	144	10	which	which	PRON
bmra-9917	144	11	dissuaded	dissuade	VERB
bmra-9917	144	12	participants	participant	NOUN
bmra-9917	144	13	from	from	ADP
bmra-9917	144	14	accessing	access	VERB
bmra-9917	144	15	the	the	DET
bmra-9917	144	16	funds	fund	NOUN
bmra-9917	144	17	.	.	PUNCT
bmra-9917	145	1	the	the	DET
bmra-9917	145	2	owners	owner	NOUN
bmra-9917	145	3	found	find	VERB
bmra-9917	145	4	that	that	SCONJ
bmra-9917	145	5	the	the	DET
bmra-9917	145	6	likelihood	likelihood	NOUN
bmra-9917	145	7	of	of	ADP
bmra-9917	145	8	obtaining	obtain	VERB
bmra-9917	145	9	favorable	favorable	ADJ
bmra-9917	145	10	interest	interest	NOUN
bmra-9917	145	11	rates	rate	NOUN
bmra-9917	145	12	increased	increase	VERB
bmra-9917	145	13	with	with	ADP
bmra-9917	145	14	the	the	DET
bmra-9917	145	15	business	business	NOUN
bmra-9917	145	16	’s	’s	PART
bmra-9917	145	17	years	year	NOUN
bmra-9917	145	18	of	of	ADP
bmra-9917	145	19	existence	existence	NOUN
bmra-9917	145	20	.	.	PUNCT
bmra-9917	146	1	only	only	ADV
bmra-9917	146	2	two	two	NUM
bmra-9917	146	3	participants	participant	NOUN
bmra-9917	146	4	had	have	AUX
bmra-9917	146	5	obtained	obtain	VERB
bmra-9917	146	6	bank	bank	NOUN
bmra-9917	146	7	loans	loan	NOUN
bmra-9917	146	8	within	within	ADP
bmra-9917	146	9	the	the	DET
bmra-9917	146	10	first	first	ADJ
bmra-9917	146	11	5	5	NUM
bmra-9917	146	12	years	year	NOUN
bmra-9917	146	13	of	of	ADP
bmra-9917	146	14	operation	operation	NOUN
bmra-9917	146	15	.	.	PUNCT
bmra-9917	147	1	p6	p6	PROPN
bmra-9917	147	2	stated	state	VERB
bmra-9917	147	3	,	,	PUNCT
bmra-9917	147	4	“	"	PUNCT
bmra-9917	147	5	following	follow	VERB
bmra-9917	147	6	the	the	DET
bmra-9917	147	7	first	first	ADJ
bmra-9917	147	8	few	few	ADJ
bmra-9917	147	9	years	year	NOUN
bmra-9917	147	10	of	of	ADP
bmra-9917	147	11	operations	operation	NOUN
bmra-9917	147	12	,	,	PUNCT
bmra-9917	147	13	it	it	PRON
bmra-9917	147	14	became	become	VERB
bmra-9917	147	15	easier	easy	ADJ
bmra-9917	147	16	to	to	PART
bmra-9917	147	17	access	access	VERB
bmra-9917	147	18	bank	bank	NOUN
bmra-9917	147	19	loans	loan	NOUN
bmra-9917	147	20	with	with	ADP
bmra-9917	147	21	more	more	ADV
bmra-9917	147	22	favorable	favorable	ADJ
bmra-9917	147	23	interest	interest	NOUN
bmra-9917	147	24	rates	rate	NOUN
bmra-9917	147	25	,	,	PUNCT
bmra-9917	147	26	terms	term	NOUN
bmra-9917	147	27	,	,	PUNCT
bmra-9917	147	28	and	and	CCONJ
bmra-9917	147	29	conditions	condition	NOUN
bmra-9917	147	30	.	.	PUNCT
bmra-9917	147	31	”	"	PUNCT
bmra-9917	148	1	p7	p7	PROPN
bmra-9917	148	2	said	say	VERB
bmra-9917	148	3	,	,	PUNCT
bmra-9917	148	4	“	"	PUNCT
bmra-9917	148	5	after	after	ADP
bmra-9917	148	6	the	the	DET
bmra-9917	148	7	first	first	ADJ
bmra-9917	148	8	3	3	NUM
bmra-9917	148	9	years	year	NOUN
bmra-9917	148	10	,	,	PUNCT
bmra-9917	148	11	i	i	PRON
bmra-9917	148	12	was	be	AUX
bmra-9917	148	13	able	able	ADJ
bmra-9917	148	14	to	to	PART
bmra-9917	148	15	get	get	VERB
bmra-9917	148	16	a	a	DET
bmra-9917	148	17	loan	loan	NOUN
bmra-9917	148	18	from	from	ADP
bmra-9917	148	19	the	the	DET
bmra-9917	148	20	bank	bank	NOUN
bmra-9917	148	21	.	.	PUNCT
bmra-9917	149	1	though	though	SCONJ
bmra-9917	149	2	it	it	PRON
bmra-9917	149	3	was	be	AUX
bmra-9917	149	4	not	not	PART
bmra-9917	149	5	much	much	ADJ
bmra-9917	149	6	…	…	PUNCT
bmra-9917	149	7	it	it	PRON
bmra-9917	149	8	helped	help	VERB
bmra-9917	149	9	me	i	PRON
bmra-9917	149	10	with	with	ADP
bmra-9917	149	11	my	my	PRON
bmra-9917	149	12	business	business	NOUN
bmra-9917	149	13	.	.	PUNCT
bmra-9917	149	14	”	"	PUNCT
bmra-9917	150	1	theme	theme	NOUN
bmra-9917	150	2	4	4	NUM
bmra-9917	150	3	:	:	PUNCT
bmra-9917	150	4	external	external	ADJ
bmra-9917	150	5	financing	financing	NOUN
bmra-9917	150	6	used	use	VERB
bmra-9917	150	7	at	at	ADP
bmra-9917	150	8	later	later	ADV
bmra-9917	150	9	and	and	CCONJ
bmra-9917	150	10	critical	critical	ADJ
bmra-9917	150	11	stages	stage	NOUN
bmra-9917	150	12	of	of	ADP
bmra-9917	150	13	business	business	NOUN
bmra-9917	150	14	most	most	ADV
bmra-9917	150	15	small	small	ADJ
bmra-9917	150	16	business	business	NOUN
bmra-9917	150	17	owners	owner	NOUN
bmra-9917	150	18	reported	report	VERB
bmra-9917	150	19	using	use	VERB
bmra-9917	150	20	external	external	ADJ
bmra-9917	150	21	financing	financing	NOUN
bmra-9917	150	22	after	after	ADP
bmra-9917	150	23	the	the	DET
bmra-9917	150	24	first	first	ADJ
bmra-9917	150	25	five	five	NUM
bmra-9917	150	26	years	year	NOUN
bmra-9917	150	27	of	of	ADP
bmra-9917	150	28	operation	operation	NOUN
bmra-9917	150	29	.	.	PUNCT
bmra-9917	151	1	theme	theme	NOUN
bmra-9917	151	2	4	4	NUM
bmra-9917	151	3	had	have	VERB
bmra-9917	151	4	four	four	NUM
bmra-9917	151	5	subthemes	subtheme	NOUN
bmra-9917	151	6	:	:	PUNCT
bmra-9917	151	7	external	external	ADJ
bmra-9917	151	8	financing	financing	NOUN
bmra-9917	151	9	is	be	AUX
bmra-9917	151	10	often	often	ADV
bmra-9917	151	11	used	use	VERB
bmra-9917	151	12	at	at	ADP
bmra-9917	151	13	critical	critical	ADJ
bmra-9917	151	14	business	business	NOUN
bmra-9917	151	15	stages	stage	NOUN
bmra-9917	151	16	(	(	PUNCT
bmra-9917	151	17	n	n	NOUN
bmra-9917	151	18	=	=	SYM
bmra-9917	151	19	6	6	NUM
bmra-9917	151	20	)	)	PUNCT
bmra-9917	151	21	,	,	PUNCT
bmra-9917	151	22	careful	careful	ADJ
bmra-9917	151	23	consideration	consideration	NOUN
bmra-9917	151	24	of	of	ADP
bmra-9917	151	25	external	external	ADJ
bmra-9917	151	26	debt	debt	NOUN
bmra-9917	151	27	before	before	ADP
bmra-9917	151	28	use	use	NOUN
bmra-9917	151	29	(	(	PUNCT
bmra-9917	151	30	n	n	NOUN
bmra-9917	151	31	=	=	SYM
bmra-9917	151	32	5	5	NUM
bmra-9917	151	33	)	)	PUNCT
bmra-9917	151	34	,	,	PUNCT
bmra-9917	151	35	use	use	NOUN
bmra-9917	151	36	of	of	ADP
bmra-9917	151	37	new	new	ADJ
bmra-9917	151	38	equity	equity	NOUN
bmra-9917	151	39	(	(	PUNCT
bmra-9917	151	40	n	n	NOUN
bmra-9917	151	41	=	=	SYM
bmra-9917	151	42	5	5	NUM
bmra-9917	151	43	)	)	PUNCT
bmra-9917	151	44	,	,	PUNCT
bmra-9917	151	45	and	and	CCONJ
bmra-9917	151	46	other	other	ADJ
bmra-9917	151	47	sources	source	NOUN
bmra-9917	151	48	of	of	ADP
bmra-9917	151	49	external	external	ADJ
bmra-9917	151	50	financing	financing	NOUN
bmra-9917	151	51	(	(	PUNCT
bmra-9917	151	52	n	n	NOUN
bmra-9917	151	53	=	=	SYM
bmra-9917	151	54	2	2	NUM
bmra-9917	151	55	)	)	PUNCT
bmra-9917	151	56	.	.	PUNCT
bmra-9917	152	1	subtheme	subtheme	NOUN
bmra-9917	152	2	1	1	NUM
bmra-9917	152	3	:	:	PUNCT
bmra-9917	152	4	external	external	ADJ
bmra-9917	152	5	financing	financing	NOUN
bmra-9917	152	6	often	often	ADV
bmra-9917	152	7	used	use	VERB
bmra-9917	152	8	at	at	ADP
bmra-9917	152	9	critical	critical	ADJ
bmra-9917	152	10	stages	stage	NOUN
bmra-9917	152	11	of	of	ADP
bmra-9917	152	12	business	business	NOUN
bmra-9917	152	13	in	in	ADP
bmra-9917	152	14	addition	addition	NOUN
bmra-9917	152	15	to	to	ADP
bmra-9917	152	16	using	use	VERB
bmra-9917	152	17	external	external	ADJ
bmra-9917	152	18	funding	funding	NOUN
bmra-9917	152	19	in	in	ADP
bmra-9917	152	20	later	later	ADJ
bmra-9917	152	21	years	year	NOUN
bmra-9917	152	22	,	,	PUNCT
bmra-9917	152	23	the	the	DET
bmra-9917	152	24	small	small	ADJ
bmra-9917	152	25	business	business	NOUN
bmra-9917	152	26	owners	owner	NOUN
bmra-9917	152	27	also	also	ADV
bmra-9917	152	28	reported	report	VERB
bmra-9917	152	29	pursuing	pursue	VERB
bmra-9917	152	30	outside	outside	ADJ
bmra-9917	152	31	funds	fund	NOUN
bmra-9917	152	32	to	to	PART
bmra-9917	152	33	survive	survive	VERB
bmra-9917	152	34	difficult	difficult	ADJ
bmra-9917	152	35	times	time	NOUN
bmra-9917	152	36	.	.	PUNCT
bmra-9917	153	1	p3	p3	PROPN
bmra-9917	153	2	said	say	VERB
bmra-9917	153	3	,	,	PUNCT
bmra-9917	153	4	“	"	PUNCT
bmra-9917	153	5	at	at	ADP
bmra-9917	153	6	a	a	DET
bmra-9917	153	7	time	time	NOUN
bmra-9917	153	8	when	when	SCONJ
bmra-9917	153	9	we	we	PRON
bmra-9917	153	10	had	have	VERB
bmra-9917	153	11	nowhere	nowhere	ADV
bmra-9917	153	12	to	to	PART
bmra-9917	153	13	turn	turn	VERB
bmra-9917	153	14	or	or	CCONJ
bmra-9917	153	15	had	have	VERB
bmra-9917	153	16	no	no	DET
bmra-9917	153	17	hope	hope	NOUN
bmra-9917	153	18	of	of	ADP
bmra-9917	153	19	survival	survival	NOUN
bmra-9917	153	20	,	,	PUNCT
bmra-9917	153	21	external	external	ADJ
bmra-9917	153	22	funding	funding	NOUN
bmra-9917	153	23	really	really	ADV
bmra-9917	153	24	helped	help	VERB
bmra-9917	153	25	us	we	PRON
bmra-9917	153	26	sustain	sustain	VERB
bmra-9917	153	27	our	our	PRON
bmra-9917	153	28	operations	operation	NOUN
bmra-9917	153	29	and	and	CCONJ
bmra-9917	153	30	keep	keep	VERB
bmra-9917	153	31	our	our	PRON
bmra-9917	153	32	doors	door	NOUN
bmra-9917	153	33	open	open	ADJ
bmra-9917	153	34	for	for	ADP
bmra-9917	153	35	business	business	NOUN
bmra-9917	153	36	.	.	PUNCT
bmra-9917	154	1	external	external	ADJ
bmra-9917	154	2	funding	funding	NOUN
bmra-9917	154	3	may	may	AUX
bmra-9917	154	4	sometimes	sometimes	ADV
bmra-9917	154	5	be	be	AUX
bmra-9917	154	6	expensive	expensive	ADJ
bmra-9917	154	7	,	,	PUNCT
bmra-9917	154	8	but	but	CCONJ
bmra-9917	154	9	that	that	PRON
bmra-9917	154	10	is	be	AUX
bmra-9917	154	11	the	the	DET
bmra-9917	154	12	cost	cost	NOUN
bmra-9917	154	13	of	of	ADP
bmra-9917	154	14	keeping	keep	VERB
bmra-9917	154	15	the	the	DET
bmra-9917	154	16	business	business	NOUN
bmra-9917	154	17	open	open	ADJ
bmra-9917	154	18	.	.	PUNCT
bmra-9917	154	19	”	"	PUNCT
bmra-9917	155	1	the	the	DET
bmra-9917	155	2	participants	participant	NOUN
bmra-9917	155	3	considered	consider	VERB
bmra-9917	155	4	external	external	ADJ
bmra-9917	155	5	financing	financing	NOUN
bmra-9917	155	6	options	option	NOUN
bmra-9917	155	7	when	when	SCONJ
bmra-9917	155	8	their	their	PRON
bmra-9917	155	9	businesses	business	NOUN
bmra-9917	155	10	did	do	AUX
bmra-9917	155	11	not	not	PART
bmra-9917	155	12	generate	generate	VERB
bmra-9917	155	13	sufficient	sufficient	ADJ
bmra-9917	155	14	revenue	revenue	NOUN
bmra-9917	155	15	for	for	ADP
bmra-9917	155	16	profitable	profitable	ADJ
bmra-9917	155	17	operations	operation	NOUN
bmra-9917	155	18	.	.	PUNCT
bmra-9917	156	1	when	when	SCONJ
bmra-9917	156	2	p5	p5	PROPN
bmra-9917	156	3	’s	’s	PART
bmra-9917	156	4	business	business	NOUN
bmra-9917	156	5	had	have	VERB
bmra-9917	156	6	a	a	DET
bmra-9917	156	7	positive	positive	ADJ
bmra-9917	156	8	cash	cash	NOUN
bmra-9917	156	9	june	june	PROPN
bmra-9917	156	10	2025	2025	NUM
bmra-9917	156	11	|	|	ADV
bmra-9917	156	12	volume	volume	NOUN
bmra-9917	156	13	4	4	NUM
bmra-9917	156	14	,	,	PUNCT
bmra-9917	156	15	number	number	NOUN
bmra-9917	156	16	2	2	NUM
bmra-9917	156	17	8	8	NUM
bmra-9917	156	18	flow	flow	NOUN
bmra-9917	156	19	,	,	PUNCT
bmra-9917	156	20	she	she	PRON
bmra-9917	156	21	used	use	VERB
bmra-9917	156	22	the	the	DET
bmra-9917	156	23	profits	profit	NOUN
bmra-9917	156	24	earned	earn	VERB
bmra-9917	156	25	for	for	ADP
bmra-9917	156	26	operation	operation	NOUN
bmra-9917	156	27	.	.	PUNCT
bmra-9917	157	1	however	however	ADV
bmra-9917	157	2	,	,	PUNCT
bmra-9917	157	3	the	the	DET
bmra-9917	157	4	covid-19	covid-19	PROPN
bmra-9917	157	5	pandemic	pandemic	NOUN
bmra-9917	157	6	had	have	AUX
bmra-9917	157	7	reduced	reduce	VERB
bmra-9917	157	8	the	the	DET
bmra-9917	157	9	business	business	NOUN
bmra-9917	157	10	’s	’s	PART
bmra-9917	157	11	profitability	profitability	NOUN
bmra-9917	157	12	,	,	PUNCT
bmra-9917	157	13	and	and	CCONJ
bmra-9917	157	14	she	she	PRON
bmra-9917	157	15	planned	plan	VERB
bmra-9917	157	16	to	to	PART
bmra-9917	157	17	take	take	VERB
bmra-9917	157	18	out	out	ADP
bmra-9917	157	19	a	a	DET
bmra-9917	157	20	loan	loan	NOUN
bmra-9917	157	21	.	.	PUNCT
bmra-9917	158	1	subtheme	subtheme	NOUN
bmra-9917	158	2	2	2	NUM
bmra-9917	158	3	:	:	PUNCT
bmra-9917	158	4	careful	careful	ADJ
bmra-9917	158	5	consideration	consideration	NOUN
bmra-9917	158	6	of	of	ADP
bmra-9917	158	7	external	external	ADJ
bmra-9917	158	8	debt	debt	NOUN
bmra-9917	158	9	before	before	ADP
bmra-9917	158	10	use	use	VERB
bmra-9917	158	11	the	the	DET
bmra-9917	158	12	participants	participant	NOUN
bmra-9917	158	13	reported	report	VERB
bmra-9917	158	14	exhausting	exhaust	VERB
bmra-9917	158	15	their	their	PRON
bmra-9917	158	16	internal	internal	ADJ
bmra-9917	158	17	funds	fund	NOUN
bmra-9917	158	18	before	before	ADP
bmra-9917	158	19	examining	examine	VERB
bmra-9917	158	20	external	external	ADJ
bmra-9917	158	21	financing	financing	NOUN
bmra-9917	158	22	options	option	NOUN
bmra-9917	158	23	.	.	PUNCT
bmra-9917	159	1	most	most	ADJ
bmra-9917	159	2	small	small	ADJ
bmra-9917	159	3	business	business	NOUN
bmra-9917	159	4	owners	owner	NOUN
bmra-9917	159	5	in	in	ADP
bmra-9917	159	6	this	this	DET
bmra-9917	159	7	study	study	NOUN
bmra-9917	159	8	felt	feel	VERB
bmra-9917	159	9	that	that	SCONJ
bmra-9917	159	10	although	although	SCONJ
bmra-9917	159	11	external	external	ADJ
bmra-9917	159	12	financing	financing	NOUN
bmra-9917	159	13	could	could	AUX
bmra-9917	159	14	benefit	benefit	VERB
bmra-9917	159	15	the	the	DET
bmra-9917	159	16	business	business	NOUN
bmra-9917	159	17	,	,	PUNCT
bmra-9917	159	18	its	its	PRON
bmra-9917	159	19	pursuit	pursuit	NOUN
bmra-9917	159	20	required	require	VERB
bmra-9917	159	21	careful	careful	ADJ
bmra-9917	159	22	and	and	CCONJ
bmra-9917	159	23	thoughtful	thoughtful	ADJ
bmra-9917	159	24	consideration	consideration	NOUN
bmra-9917	159	25	.	.	PUNCT
bmra-9917	160	1	when	when	SCONJ
bmra-9917	160	2	external	external	ADJ
bmra-9917	160	3	funding	funding	NOUN
bmra-9917	160	4	was	be	AUX
bmra-9917	160	5	necessary	necessary	ADJ
bmra-9917	160	6	,	,	PUNCT
bmra-9917	160	7	the	the	DET
bmra-9917	160	8	least	least	ADV
bmra-9917	160	9	expensive	expensive	ADJ
bmra-9917	160	10	source	source	NOUN
bmra-9917	160	11	was	be	AUX
bmra-9917	160	12	preferable	preferable	ADJ
bmra-9917	160	13	.	.	PUNCT
bmra-9917	161	1	p2	p2	PROPN
bmra-9917	161	2	stated	state	VERB
bmra-9917	161	3	,	,	PUNCT
bmra-9917	161	4	i	i	PRON
bmra-9917	161	5	utilize	utilize	VERB
bmra-9917	161	6	external	external	ADJ
bmra-9917	161	7	debt	debt	NOUN
bmra-9917	161	8	according	accord	VERB
bmra-9917	161	9	to	to	ADP
bmra-9917	161	10	the	the	DET
bmra-9917	161	11	associated	associated	ADJ
bmra-9917	161	12	cost	cost	NOUN
bmra-9917	161	13	of	of	ADP
bmra-9917	161	14	the	the	DET
bmra-9917	161	15	funds	fund	NOUN
bmra-9917	161	16	.	.	PUNCT
bmra-9917	162	1	i	i	PRON
bmra-9917	162	2	utilize	utilize	VERB
bmra-9917	162	3	the	the	DET
bmra-9917	162	4	loans	loan	NOUN
bmra-9917	162	5	with	with	ADP
bmra-9917	162	6	lower	low	ADJ
bmra-9917	162	7	associated	associate	VERB
bmra-9917	162	8	costs	cost	NOUN
bmra-9917	162	9	before	before	ADP
bmra-9917	162	10	the	the	DET
bmra-9917	162	11	ones	one	NOUN
bmra-9917	162	12	that	that	PRON
bmra-9917	162	13	have	have	VERB
bmra-9917	162	14	higher	high	ADJ
bmra-9917	162	15	costs	cost	NOUN
bmra-9917	162	16	.	.	PUNCT
bmra-9917	163	1	however	however	ADV
bmra-9917	163	2	,	,	PUNCT
bmra-9917	163	3	i	i	PRON
bmra-9917	163	4	try	try	VERB
bmra-9917	163	5	not	not	PART
bmra-9917	163	6	to	to	PART
bmra-9917	163	7	draw	draw	VERB
bmra-9917	163	8	down	down	ADP
bmra-9917	163	9	on	on	ADP
bmra-9917	163	10	the	the	DET
bmra-9917	163	11	loans	loan	NOUN
bmra-9917	163	12	i	i	PRON
bmra-9917	163	13	consider	consider	VERB
bmra-9917	163	14	to	to	PART
bmra-9917	163	15	be	be	AUX
bmra-9917	163	16	expensive	expensive	ADJ
bmra-9917	163	17	.	.	PUNCT
bmra-9917	164	1	p4	p4	ADJ
bmra-9917	164	2	and	and	CCONJ
bmra-9917	164	3	p7	p7	ADJ
bmra-9917	164	4	considered	consider	VERB
bmra-9917	164	5	all	all	DET
bmra-9917	164	6	available	available	ADJ
bmra-9917	164	7	sources	source	NOUN
bmra-9917	164	8	’	’	PART
bmra-9917	164	9	interest	interest	NOUN
bmra-9917	164	10	rates	rate	NOUN
bmra-9917	164	11	before	before	ADP
bmra-9917	164	12	choosing	choose	VERB
bmra-9917	164	13	.	.	PUNCT
bmra-9917	165	1	p7	p7	PROPN
bmra-9917	165	2	had	have	VERB
bmra-9917	165	3	access	access	NOUN
bmra-9917	165	4	to	to	ADP
bmra-9917	165	5	bank	bank	NOUN
bmra-9917	165	6	loans	loan	NOUN
bmra-9917	165	7	,	,	PUNCT
bmra-9917	165	8	sba	sba	PROPN
bmra-9917	165	9	loans	loan	NOUN
bmra-9917	165	10	,	,	PUNCT
bmra-9917	165	11	and	and	CCONJ
bmra-9917	165	12	credit	credit	NOUN
bmra-9917	165	13	with	with	ADP
bmra-9917	165	14	varying	vary	VERB
bmra-9917	165	15	interest	interest	NOUN
bmra-9917	165	16	rates	rate	NOUN
bmra-9917	165	17	.	.	PUNCT
bmra-9917	166	1	the	the	DET
bmra-9917	166	2	participant	participant	NOUN
bmra-9917	166	3	explained	explain	VERB
bmra-9917	166	4	,	,	PUNCT
bmra-9917	166	5	“	"	PUNCT
bmra-9917	166	6	i	i	PRON
bmra-9917	166	7	first	first	ADV
bmra-9917	166	8	consider	consider	VERB
bmra-9917	166	9	what	what	PRON
bmra-9917	166	10	kind	kind	NOUN
bmra-9917	166	11	of	of	ADP
bmra-9917	166	12	operations	operation	NOUN
bmra-9917	166	13	i	i	PRON
bmra-9917	166	14	need	need	VERB
bmra-9917	166	15	the	the	DET
bmra-9917	166	16	funds	fund	NOUN
bmra-9917	166	17	for	for	ADP
bmra-9917	166	18	.	.	PUNCT
bmra-9917	167	1	if	if	SCONJ
bmra-9917	167	2	it	it	PRON
bmra-9917	167	3	’s	’	VERB
bmra-9917	167	4	a	a	DET
bmra-9917	167	5	long	long	ADJ
bmra-9917	167	6	-	-	PUNCT
bmra-9917	167	7	term	term	NOUN
bmra-9917	167	8	opportunity	opportunity	NOUN
bmra-9917	167	9	,	,	PUNCT
bmra-9917	167	10	i	i	PRON
bmra-9917	167	11	go	go	VERB
bmra-9917	167	12	with	with	ADP
bmra-9917	167	13	the	the	DET
bmra-9917	167	14	lowest	low	ADJ
bmra-9917	167	15	interest	interest	NOUN
bmra-9917	167	16	rate	rate	NOUN
bmra-9917	167	17	for	for	ADP
bmra-9917	167	18	.	.	PUNCT
bmra-9917	168	1	if	if	SCONJ
bmra-9917	168	2	it	it	PRON
bmra-9917	168	3	’s	’	VERB
bmra-9917	168	4	a	a	DET
bmra-9917	168	5	short	short	ADJ
bmra-9917	168	6	-	-	PUNCT
bmra-9917	168	7	term	term	NOUN
bmra-9917	168	8	business	business	NOUN
bmra-9917	168	9	opportunity	opportunity	NOUN
bmra-9917	168	10	,	,	PUNCT
bmra-9917	168	11	i	i	PRON
bmra-9917	168	12	’ll	’ll	AUX
bmra-9917	168	13	take	take	VERB
bmra-9917	168	14	what	what	PRON
bmra-9917	168	15	i	i	PRON
bmra-9917	168	16	can	can	AUX
bmra-9917	168	17	get	get	VERB
bmra-9917	168	18	.	.	PUNCT
bmra-9917	168	19	”	"	PUNCT
bmra-9917	169	1	p4	p4	PROPN
bmra-9917	169	2	said	say	VERB
bmra-9917	169	3	that	that	SCONJ
bmra-9917	169	4	loan	loan	NOUN
bmra-9917	169	5	providers	provider	NOUN
bmra-9917	169	6	’	'	PUNCT
bmra-9917	169	7	interest	interest	NOUN
bmra-9917	169	8	rates	rate	NOUN
bmra-9917	169	9	must	must	AUX
bmra-9917	169	10	be	be	AUX
bmra-9917	169	11	reasonable	reasonable	ADJ
bmra-9917	169	12	for	for	SCONJ
bmra-9917	169	13	her	she	PRON
bmra-9917	169	14	to	to	PART
bmra-9917	169	15	take	take	VERB
bmra-9917	169	16	a	a	DET
bmra-9917	169	17	loan	loan	NOUN
bmra-9917	169	18	.	.	PUNCT
bmra-9917	170	1	low	low	ADJ
bmra-9917	170	2	interest	interest	NOUN
bmra-9917	170	3	rates	rate	NOUN
bmra-9917	170	4	and	and	CCONJ
bmra-9917	170	5	extended	extended	ADJ
bmra-9917	170	6	repayment	repayment	NOUN
bmra-9917	170	7	periods	period	NOUN
bmra-9917	170	8	emerged	emerge	VERB
bmra-9917	170	9	as	as	ADP
bmra-9917	170	10	preferences	preference	NOUN
bmra-9917	170	11	for	for	ADP
bmra-9917	170	12	securing	secure	VERB
bmra-9917	170	13	external	external	ADJ
bmra-9917	170	14	funding	funding	NOUN
bmra-9917	170	15	sources	source	NOUN
bmra-9917	170	16	.	.	PUNCT
bmra-9917	171	1	even	even	ADV
bmra-9917	171	2	with	with	ADP
bmra-9917	171	3	an	an	DET
bmra-9917	171	4	extended	extended	ADJ
bmra-9917	171	5	repayment	repayment	NOUN
bmra-9917	171	6	plan	plan	NOUN
bmra-9917	171	7	,	,	PUNCT
bmra-9917	171	8	p7	p7	PROPN
bmra-9917	171	9	said	say	VERB
bmra-9917	171	10	,	,	PUNCT
bmra-9917	171	11	“	"	PUNCT
bmra-9917	171	12	it	it	PRON
bmra-9917	171	13	’s	’	VERB
bmra-9917	171	14	always	always	ADV
bmra-9917	171	15	better	well	ADJ
bmra-9917	171	16	to	to	PART
bmra-9917	171	17	pay	pay	VERB
bmra-9917	171	18	the	the	DET
bmra-9917	171	19	loan	loan	NOUN
bmra-9917	171	20	off	off	ADP
bmra-9917	171	21	within	within	ADP
bmra-9917	171	22	a	a	DET
bmra-9917	171	23	year	year	NOUN
bmra-9917	171	24	.	.	PUNCT
bmra-9917	171	25	”	"	PUNCT
bmra-9917	172	1	loan	loan	NOUN
bmra-9917	172	2	terms	term	NOUN
bmra-9917	172	3	were	be	AUX
bmra-9917	172	4	additional	additional	ADJ
bmra-9917	172	5	considerations	consideration	NOUN
bmra-9917	172	6	.	.	PUNCT
bmra-9917	173	1	p7	p7	PROPN
bmra-9917	173	2	stated	state	VERB
bmra-9917	173	3	,	,	PUNCT
bmra-9917	173	4	it	it	PRON
bmra-9917	173	5	is	be	AUX
bmra-9917	173	6	important	important	ADJ
bmra-9917	173	7	to	to	PART
bmra-9917	173	8	note	note	VERB
bmra-9917	173	9	the	the	DET
bmra-9917	173	10	terms	term	NOUN
bmra-9917	173	11	and	and	CCONJ
bmra-9917	173	12	conditions	condition	NOUN
bmra-9917	173	13	written	write	VERB
bmra-9917	173	14	in	in	ADP
bmra-9917	173	15	loan	loan	NOUN
bmra-9917	173	16	documents	document	NOUN
bmra-9917	173	17	,	,	PUNCT
bmra-9917	173	18	and	and	CCONJ
bmra-9917	173	19	a	a	DET
bmra-9917	173	20	borrower	borrower	NOUN
bmra-9917	173	21	needs	need	VERB
bmra-9917	173	22	to	to	PART
bmra-9917	173	23	be	be	AUX
bmra-9917	173	24	very	very	ADV
bmra-9917	173	25	careful	careful	ADJ
bmra-9917	173	26	,	,	PUNCT
bmra-9917	173	27	as	as	SCONJ
bmra-9917	173	28	there	there	PRON
bmra-9917	173	29	are	be	VERB
bmra-9917	173	30	lots	lot	NOUN
bmra-9917	173	31	of	of	ADP
bmra-9917	173	32	details	detail	NOUN
bmra-9917	173	33	in	in	ADP
bmra-9917	173	34	the	the	DET
bmra-9917	173	35	fine	fine	ADJ
bmra-9917	173	36	print	print	NOUN
bmra-9917	173	37	.	.	PUNCT
bmra-9917	174	1	not	not	PART
bmra-9917	174	2	paying	pay	VERB
bmra-9917	174	3	attention	attention	NOUN
bmra-9917	174	4	to	to	ADP
bmra-9917	174	5	these	these	DET
bmra-9917	174	6	terms	term	NOUN
bmra-9917	174	7	and	and	CCONJ
bmra-9917	174	8	conditions	condition	NOUN
bmra-9917	174	9	can	can	AUX
bmra-9917	174	10	be	be	AUX
bmra-9917	174	11	very	very	ADV
bmra-9917	174	12	costly	costly	ADJ
bmra-9917	174	13	if	if	SCONJ
bmra-9917	174	14	issues	issue	NOUN
bmra-9917	174	15	arise	arise	VERB
bmra-9917	174	16	in	in	ADP
bmra-9917	174	17	the	the	DET
bmra-9917	174	18	future	future	NOUN
bmra-9917	174	19	.	.	PUNCT
bmra-9917	175	1	participants	participant	NOUN
bmra-9917	175	2	suggested	suggest	VERB
bmra-9917	175	3	obtaining	obtain	VERB
bmra-9917	175	4	external	external	ADJ
bmra-9917	175	5	funding	funding	NOUN
bmra-9917	175	6	to	to	PART
bmra-9917	175	7	improve	improve	VERB
bmra-9917	175	8	and	and	CCONJ
bmra-9917	175	9	expand	expand	VERB
bmra-9917	175	10	the	the	DET
bmra-9917	175	11	business	business	NOUN
bmra-9917	175	12	,	,	PUNCT
bmra-9917	175	13	not	not	PART
bmra-9917	175	14	to	to	PART
bmra-9917	175	15	operate	operate	VERB
bmra-9917	175	16	the	the	DET
bmra-9917	175	17	business	business	NOUN
bmra-9917	175	18	or	or	CCONJ
bmra-9917	175	19	pay	pay	VERB
bmra-9917	175	20	bills	bill	NOUN
bmra-9917	175	21	.	.	PUNCT
bmra-9917	176	1	p5	p5	PROPN
bmra-9917	176	2	stated	state	VERB
bmra-9917	176	3	,	,	PUNCT
bmra-9917	176	4	“	"	PUNCT
bmra-9917	176	5	we	we	PRON
bmra-9917	176	6	’ve	’ve	AUX
bmra-9917	176	7	used	use	VERB
bmra-9917	176	8	loans	loan	NOUN
bmra-9917	176	9	to	to	PART
bmra-9917	176	10	fund	fund	VERB
bmra-9917	176	11	improvements	improvement	NOUN
bmra-9917	176	12	in	in	ADP
bmra-9917	176	13	our	our	PRON
bmra-9917	176	14	business	business	NOUN
bmra-9917	176	15	but	but	CCONJ
bmra-9917	176	16	not	not	PART
bmra-9917	176	17	[	[	X
bmra-9917	176	18	to	to	PART
bmra-9917	176	19	]	]	PART
bmra-9917	176	20	finance	finance	VERB
bmra-9917	176	21	regular	regular	ADJ
bmra-9917	176	22	business	business	NOUN
bmra-9917	176	23	operations	operation	NOUN
bmra-9917	176	24	.	.	PUNCT
bmra-9917	176	25	”	"	PUNCT
bmra-9917	177	1	although	although	SCONJ
bmra-9917	177	2	expansion	expansion	NOUN
bmra-9917	177	3	may	may	AUX
bmra-9917	177	4	be	be	AUX
bmra-9917	177	5	beneficial	beneficial	ADJ
bmra-9917	177	6	,	,	PUNCT
bmra-9917	177	7	most	most	ADJ
bmra-9917	177	8	participants	participant	NOUN
bmra-9917	177	9	recommended	recommend	VERB
bmra-9917	177	10	avoiding	avoid	VERB
bmra-9917	177	11	incurring	incur	VERB
bmra-9917	177	12	significant	significant	ADJ
bmra-9917	177	13	debt	debt	NOUN
bmra-9917	177	14	to	to	ADP
bmra-9917	177	15	the	the	DET
bmra-9917	177	16	business	business	NOUN
bmra-9917	177	17	’s	’s	PART
bmra-9917	177	18	detriment	detriment	NOUN
bmra-9917	177	19	.	.	PUNCT
bmra-9917	178	1	p7	p7	PROPN
bmra-9917	178	2	found	find	VERB
bmra-9917	178	3	that	that	SCONJ
bmra-9917	178	4	“	"	PUNCT
bmra-9917	178	5	taking	take	VERB
bmra-9917	178	6	on	on	ADP
bmra-9917	178	7	loans	loan	NOUN
bmra-9917	178	8	and	and	CCONJ
bmra-9917	178	9	debt	debt	NOUN
bmra-9917	178	10	when	when	SCONJ
bmra-9917	178	11	you	you	PRON
bmra-9917	178	12	’re	’re	AUX
bmra-9917	178	13	trying	try	VERB
bmra-9917	178	14	to	to	PART
bmra-9917	178	15	expand	expand	VERB
bmra-9917	178	16	could	could	AUX
bmra-9917	178	17	end	end	VERB
bmra-9917	178	18	up	up	ADP
bmra-9917	178	19	hurting	hurt	VERB
bmra-9917	178	20	your	your	PRON
bmra-9917	178	21	business	business	NOUN
bmra-9917	178	22	,	,	PUNCT
bmra-9917	178	23	especially	especially	ADV
bmra-9917	178	24	if	if	SCONJ
bmra-9917	178	25	you	you	PRON
bmra-9917	178	26	use	use	VERB
bmra-9917	178	27	company	company	NOUN
bmra-9917	178	28	income	income	NOUN
bmra-9917	178	29	to	to	PART
bmra-9917	178	30	pay	pay	VERB
bmra-9917	178	31	back	back	ADP
bmra-9917	178	32	the	the	DET
bmra-9917	178	33	debt	debt	NOUN
bmra-9917	178	34	.	.	PUNCT
bmra-9917	178	35	”	"	PUNCT
bmra-9917	179	1	p2	p2	PROPN
bmra-9917	179	2	“	"	PUNCT
bmra-9917	179	3	avoid[ed	avoid[ed	PROPN
bmra-9917	179	4	]	]	PUNCT
bmra-9917	179	5	outside	outside	ADJ
bmra-9917	179	6	loans	loan	NOUN
bmra-9917	179	7	or	or	CCONJ
bmra-9917	179	8	credit	credit	NOUN
bmra-9917	179	9	as	as	ADV
bmra-9917	179	10	much	much	ADV
bmra-9917	179	11	as	as	ADP
bmra-9917	179	12	possible	possible	ADJ
bmra-9917	179	13	.	.	PUNCT
bmra-9917	179	14	”	"	PUNCT
bmra-9917	180	1	p6	p6	PROPN
bmra-9917	180	2	and	and	CCONJ
bmra-9917	180	3	p7	p7	PROPN
bmra-9917	180	4	reported	report	VERB
bmra-9917	180	5	acquiring	acquire	VERB
bmra-9917	180	6	loans	loan	NOUN
bmra-9917	180	7	to	to	PART
bmra-9917	180	8	support	support	VERB
bmra-9917	180	9	their	their	PRON
bmra-9917	180	10	businesses	business	NOUN
bmra-9917	180	11	during	during	ADP
bmra-9917	180	12	the	the	DET
bmra-9917	180	13	first	first	ADJ
bmra-9917	180	14	5	5	NUM
bmra-9917	180	15	years	year	NOUN
bmra-9917	180	16	of	of	ADP
bmra-9917	180	17	operations	operation	NOUN
bmra-9917	180	18	.	.	PUNCT
bmra-9917	181	1	both	both	DET
bmra-9917	181	2	participants	participant	NOUN
bmra-9917	181	3	noted	note	VERB
bmra-9917	181	4	the	the	DET
bmra-9917	181	5	positive	positive	ADJ
bmra-9917	181	6	impact	impact	NOUN
bmra-9917	181	7	on	on	ADP
bmra-9917	181	8	their	their	PRON
bmra-9917	181	9	businesses	business	NOUN
bmra-9917	181	10	and	and	CCONJ
bmra-9917	181	11	their	their	PRON
bmra-9917	181	12	ability	ability	NOUN
bmra-9917	181	13	to	to	PART
bmra-9917	181	14	repay	repay	VERB
bmra-9917	181	15	the	the	DET
bmra-9917	181	16	loans	loan	NOUN
bmra-9917	181	17	.	.	PUNCT
bmra-9917	182	1	p6	p6	PROPN
bmra-9917	182	2	stated	state	VERB
bmra-9917	182	3	,	,	PUNCT
bmra-9917	182	4	“	"	PUNCT
bmra-9917	182	5	to	to	PART
bmra-9917	182	6	fund	fund	VERB
bmra-9917	182	7	our	our	PRON
bmra-9917	182	8	business	business	NOUN
bmra-9917	182	9	,	,	PUNCT
bmra-9917	182	10	we	we	PRON
bmra-9917	182	11	’ve	’ve	AUX
bmra-9917	182	12	maintained	maintain	VERB
bmra-9917	182	13	a	a	DET
bmra-9917	182	14	60/40	60/40	NUM
bmra-9917	182	15	split	split	NOUN
bmra-9917	182	16	between	between	ADP
bmra-9917	182	17	bank	bank	NOUN
bmra-9917	182	18	debt	debt	NOUN
bmra-9917	182	19	and	and	CCONJ
bmra-9917	182	20	internal	internal	ADJ
bmra-9917	182	21	cash	cash	NOUN
bmra-9917	182	22	.	.	PUNCT
bmra-9917	183	1	…	…	PUNCT
bmra-9917	183	2	the	the	DET
bmra-9917	183	3	equipment	equipment	NOUN
bmra-9917	183	4	was	be	AUX
bmra-9917	183	5	expensive	expensive	ADJ
bmra-9917	183	6	,	,	PUNCT
bmra-9917	183	7	and	and	CCONJ
bmra-9917	183	8	we	we	PRON
bmra-9917	183	9	did	do	AUX
bmra-9917	183	10	n’t	not	PART
bmra-9917	183	11	have	have	VERB
bmra-9917	183	12	enough	enough	ADJ
bmra-9917	183	13	internally	internally	ADV
bmra-9917	183	14	generated	generate	VERB
bmra-9917	183	15	cash	cash	NOUN
bmra-9917	183	16	to	to	PART
bmra-9917	183	17	buy	buy	VERB
bmra-9917	183	18	it	it	PRON
bmra-9917	183	19	.	.	PUNCT
bmra-9917	183	20	”	"	PUNCT
bmra-9917	184	1	p7	p7	PROPN
bmra-9917	184	2	reported	report	VERB
bmra-9917	184	3	receiving	receive	VERB
bmra-9917	184	4	loan	loan	NOUN
bmra-9917	184	5	approval	approval	NOUN
bmra-9917	184	6	after	after	ADP
bmra-9917	184	7	3	3	NUM
bmra-9917	184	8	years	year	NOUN
bmra-9917	184	9	of	of	ADP
bmra-9917	184	10	maintaining	maintain	VERB
bmra-9917	184	11	business	business	NOUN
bmra-9917	184	12	records	record	NOUN
bmra-9917	184	13	.	.	PUNCT
bmra-9917	185	1	p7	p7	PROPN
bmra-9917	185	2	said	say	VERB
bmra-9917	185	3	,	,	PUNCT
bmra-9917	185	4	“	"	PUNCT
bmra-9917	185	5	the	the	DET
bmra-9917	185	6	only	only	ADJ
bmra-9917	185	7	problem	problem	NOUN
bmra-9917	185	8	with	with	ADP
bmra-9917	185	9	bank	bank	NOUN
bmra-9917	185	10	loans	loan	NOUN
bmra-9917	185	11	is	be	AUX
bmra-9917	185	12	when	when	SCONJ
bmra-9917	185	13	a	a	DET
bmra-9917	185	14	business	business	NOUN
bmra-9917	185	15	owner	owner	NOUN
bmra-9917	185	16	can	can	AUX
bmra-9917	185	17	not	not	PART
bmra-9917	185	18	repay	repay	VERB
bmra-9917	185	19	the	the	DET
bmra-9917	185	20	funds	fund	NOUN
bmra-9917	185	21	.	.	PUNCT
bmra-9917	185	22	”	"	PUNCT
bmra-9917	186	1	subtheme	subtheme	NOUN
bmra-9917	186	2	3	3	NUM
bmra-9917	186	3	:	:	PUNCT
bmra-9917	186	4	use	use	NOUN
bmra-9917	186	5	of	of	ADP
bmra-9917	186	6	new	new	ADJ
bmra-9917	186	7	equity	equity	NOUN
bmra-9917	186	8	business	business	NOUN
bmra-9917	186	9	management	management	NOUN
bmra-9917	186	10	research	research	NOUN
bmra-9917	186	11	and	and	CCONJ
bmra-9917	186	12	applications	application	NOUN
bmra-9917	186	13	:	:	PUNCT
bmra-9917	186	14	a	a	DET
bmra-9917	186	15	cross	cross	ADJ
bmra-9917	186	16	disciplinary	disciplinary	ADJ
bmra-9917	186	17	journal	journal	NOUN
bmra-9917	186	18	9	9	NUM
bmra-9917	186	19	raising	raise	VERB
bmra-9917	186	20	new	new	ADJ
bmra-9917	186	21	equity	equity	NOUN
bmra-9917	186	22	was	be	AUX
bmra-9917	186	23	unattractive	unattractive	ADJ
bmra-9917	186	24	to	to	ADP
bmra-9917	186	25	most	most	ADJ
bmra-9917	186	26	small	small	ADJ
bmra-9917	186	27	business	business	NOUN
bmra-9917	186	28	owners	owner	NOUN
bmra-9917	186	29	in	in	ADP
bmra-9917	186	30	the	the	DET
bmra-9917	186	31	early	early	ADJ
bmra-9917	186	32	stages	stage	NOUN
bmra-9917	186	33	.	.	PUNCT
bmra-9917	187	1	one	one	NUM
bmra-9917	187	2	participant	participant	NOUN
bmra-9917	187	3	had	have	AUX
bmra-9917	187	4	used	use	VERB
bmra-9917	187	5	new	new	ADJ
bmra-9917	187	6	equity	equity	NOUN
bmra-9917	187	7	as	as	ADP
bmra-9917	187	8	a	a	DET
bmra-9917	187	9	source	source	NOUN
bmra-9917	187	10	of	of	ADP
bmra-9917	187	11	funding	funding	NOUN
bmra-9917	187	12	.	.	PUNCT
bmra-9917	188	1	although	although	SCONJ
bmra-9917	188	2	equity	equity	NOUN
bmra-9917	188	3	providers	provider	NOUN
bmra-9917	188	4	had	have	AUX
bmra-9917	188	5	approached	approach	VERB
bmra-9917	188	6	two	two	NUM
bmra-9917	188	7	participants	participant	NOUN
bmra-9917	188	8	,	,	PUNCT
bmra-9917	188	9	they	they	PRON
bmra-9917	188	10	were	be	AUX
bmra-9917	188	11	skeptical	skeptical	ADJ
bmra-9917	188	12	.	.	PUNCT
bmra-9917	189	1	pl	pl	X
bmra-9917	189	2	,	,	PUNCT
bmra-9917	189	3	a	a	DET
bmra-9917	189	4	clinical	clinical	ADJ
bmra-9917	189	5	services	service	NOUN
bmra-9917	189	6	provider	provider	NOUN
bmra-9917	189	7	,	,	PUNCT
bmra-9917	189	8	believed	believe	VERB
bmra-9917	189	9	the	the	DET
bmra-9917	189	10	private	private	ADJ
bmra-9917	189	11	equity	equity	NOUN
bmra-9917	189	12	company	company	NOUN
bmra-9917	189	13	would	would	AUX
bmra-9917	189	14	be	be	AUX
bmra-9917	189	15	too	too	ADV
bmra-9917	189	16	profit	profit	NOUN
bmra-9917	189	17	-	-	PUNCT
bmra-9917	189	18	focused	focused	ADJ
bmra-9917	189	19	,	,	PUNCT
bmra-9917	189	20	affecting	affect	VERB
bmra-9917	189	21	the	the	DET
bmra-9917	189	22	quality	quality	NOUN
bmra-9917	189	23	of	of	ADP
bmra-9917	189	24	his	his	PRON
bmra-9917	189	25	business	business	NOUN
bmra-9917	189	26	’s	’s	PART
bmra-9917	189	27	services	service	NOUN
bmra-9917	189	28	and	and	CCONJ
bmra-9917	189	29	goodwill	goodwill	NOUN
bmra-9917	189	30	to	to	ADP
bmra-9917	189	31	clients	client	NOUN
bmra-9917	189	32	.	.	PUNCT
bmra-9917	190	1	the	the	DET
bmra-9917	190	2	participant	participant	NOUN
bmra-9917	190	3	said	say	VERB
bmra-9917	190	4	,	,	PUNCT
bmra-9917	190	5	we	we	PRON
bmra-9917	190	6	are	be	AUX
bmra-9917	190	7	currently	currently	ADV
bmra-9917	190	8	negotiating	negotiate	VERB
bmra-9917	190	9	[	[	X
bmra-9917	190	10	a	a	X
bmra-9917	190	11	]	]	X
bmra-9917	190	12	potential	potential	ADJ
bmra-9917	190	13	equity	equity	NOUN
bmra-9917	190	14	investment	investment	NOUN
bmra-9917	190	15	from	from	ADP
bmra-9917	190	16	a	a	DET
bmra-9917	190	17	company	company	NOUN
bmra-9917	190	18	now	now	ADV
bmra-9917	190	19	,	,	PUNCT
bmra-9917	190	20	but	but	CCONJ
bmra-9917	190	21	i	i	PRON
bmra-9917	190	22	am	be	AUX
bmra-9917	190	23	not	not	PART
bmra-9917	190	24	sure	sure	ADJ
bmra-9917	190	25	we	we	PRON
bmra-9917	190	26	will	will	AUX
bmra-9917	190	27	accept	accept	VERB
bmra-9917	190	28	their	their	PRON
bmra-9917	190	29	investment	investment	NOUN
bmra-9917	190	30	offer	offer	NOUN
bmra-9917	190	31	.	.	PUNCT
bmra-9917	191	1	this	this	PRON
bmra-9917	191	2	is	be	AUX
bmra-9917	191	3	because	because	SCONJ
bmra-9917	191	4	we	we	PRON
bmra-9917	191	5	have	have	VERB
bmra-9917	191	6	concerns	concern	NOUN
bmra-9917	191	7	as	as	ADP
bmra-9917	191	8	to	to	ADP
bmra-9917	191	9	the	the	DET
bmra-9917	191	10	quality	quality	NOUN
bmra-9917	191	11	of	of	ADP
bmra-9917	191	12	care	care	NOUN
bmra-9917	191	13	that	that	PRON
bmra-9917	191	14	will	will	AUX
bmra-9917	191	15	be	be	AUX
bmra-9917	191	16	provided	provide	VERB
bmra-9917	191	17	by	by	ADP
bmra-9917	191	18	these	these	DET
bmra-9917	191	19	investors	investor	NOUN
bmra-9917	191	20	should	should	AUX
bmra-9917	191	21	they	they	PRON
bmra-9917	191	22	assume	assume	VERB
bmra-9917	191	23	ownership	ownership	NOUN
bmra-9917	191	24	of	of	ADP
bmra-9917	191	25	the	the	DET
bmra-9917	191	26	company	company	NOUN
bmra-9917	191	27	.	.	PUNCT
bmra-9917	192	1	p3	p3	PROPN
bmra-9917	192	2	used	use	VERB
bmra-9917	192	3	new	new	ADJ
bmra-9917	192	4	equity	equity	NOUN
bmra-9917	192	5	to	to	PART
bmra-9917	192	6	sustain	sustain	VERB
bmra-9917	192	7	the	the	DET
bmra-9917	192	8	business	business	NOUN
bmra-9917	192	9	at	at	ADP
bmra-9917	192	10	a	a	DET
bmra-9917	192	11	difficult	difficult	ADJ
bmra-9917	192	12	time	time	NOUN
bmra-9917	192	13	,	,	PUNCT
bmra-9917	192	14	staying	stay	VERB
bmra-9917	192	15	open	open	ADJ
bmra-9917	192	16	because	because	SCONJ
bmra-9917	192	17	of	of	ADP
bmra-9917	192	18	the	the	DET
bmra-9917	192	19	new	new	ADJ
bmra-9917	192	20	equity	equity	NOUN
bmra-9917	192	21	plan	plan	NOUN
bmra-9917	192	22	.	.	PUNCT
bmra-9917	193	1	p3	p3	PROPN
bmra-9917	193	2	stated	state	VERB
bmra-9917	193	3	,	,	PUNCT
bmra-9917	193	4	new	new	ADJ
bmra-9917	193	5	investors	investor	NOUN
bmra-9917	193	6	have	have	AUX
bmra-9917	193	7	really	really	ADV
bmra-9917	193	8	helped	help	VERB
bmra-9917	193	9	the	the	DET
bmra-9917	193	10	business	business	NOUN
bmra-9917	193	11	,	,	PUNCT
bmra-9917	193	12	especially	especially	ADV
bmra-9917	193	13	in	in	ADP
bmra-9917	193	14	difficult	difficult	ADJ
bmra-9917	193	15	times	time	NOUN
bmra-9917	193	16	.	.	PUNCT
bmra-9917	194	1	even	even	ADV
bmra-9917	194	2	though	though	SCONJ
bmra-9917	194	3	their	their	PRON
bmra-9917	194	4	support	support	NOUN
bmra-9917	194	5	tends	tend	VERB
bmra-9917	194	6	to	to	PART
bmra-9917	194	7	be	be	AUX
bmra-9917	194	8	expensive	expensive	ADJ
bmra-9917	194	9	,	,	PUNCT
bmra-9917	194	10	they	they	PRON
bmra-9917	194	11	keep	keep	VERB
bmra-9917	194	12	the	the	DET
bmra-9917	194	13	business	business	NOUN
bmra-9917	194	14	open	open	ADJ
bmra-9917	194	15	.	.	PUNCT
bmra-9917	195	1	had	have	AUX
bmra-9917	195	2	it	it	PRON
bmra-9917	195	3	not	not	PART
bmra-9917	195	4	been	be	AUX
bmra-9917	195	5	for	for	ADP
bmra-9917	195	6	new	new	ADJ
bmra-9917	195	7	equity	equity	NOUN
bmra-9917	195	8	and	and	CCONJ
bmra-9917	195	9	debt	debt	NOUN
bmra-9917	195	10	,	,	PUNCT
bmra-9917	195	11	the	the	DET
bmra-9917	195	12	business	business	NOUN
bmra-9917	195	13	would	would	AUX
bmra-9917	195	14	have	have	AUX
bmra-9917	195	15	been	be	AUX
bmra-9917	195	16	closed	close	VERB
bmra-9917	195	17	due	due	ADJ
bmra-9917	195	18	to	to	ADP
bmra-9917	195	19	a	a	DET
bmra-9917	195	20	lack	lack	NOUN
bmra-9917	195	21	of	of	ADP
bmra-9917	195	22	inventory	inventory	NOUN
bmra-9917	195	23	.	.	PUNCT
bmra-9917	196	1	the	the	DET
bmra-9917	196	2	only	only	ADJ
bmra-9917	196	3	asset	asset	NOUN
bmra-9917	196	4	the	the	DET
bmra-9917	196	5	company	company	NOUN
bmra-9917	196	6	would	would	AUX
bmra-9917	196	7	then	then	ADV
bmra-9917	196	8	have	have	VERB
bmra-9917	196	9	is	be	AUX
bmra-9917	196	10	the	the	DET
bmra-9917	196	11	building	building	NOUN
bmra-9917	196	12	,	,	PUNCT
bmra-9917	196	13	and	and	CCONJ
bmra-9917	196	14	that	that	PRON
bmra-9917	196	15	would	would	AUX
bmra-9917	196	16	have	have	AUX
bmra-9917	196	17	gone	go	VERB
bmra-9917	196	18	into	into	ADP
bmra-9917	196	19	foreclosure	foreclosure	NOUN
bmra-9917	196	20	without	without	ADP
bmra-9917	196	21	any	any	DET
bmra-9917	196	22	earnings	earning	NOUN
bmra-9917	196	23	.	.	PUNCT
bmra-9917	197	1	five	five	NUM
bmra-9917	197	2	participants	participant	NOUN
bmra-9917	197	3	discussed	discuss	VERB
bmra-9917	197	4	the	the	DET
bmra-9917	197	5	option	option	NOUN
bmra-9917	197	6	of	of	ADP
bmra-9917	197	7	private	private	ADJ
bmra-9917	197	8	equity	equity	NOUN
bmra-9917	197	9	,	,	PUNCT
bmra-9917	197	10	and	and	CCONJ
bmra-9917	197	11	most	most	ADV
bmra-9917	197	12	reported	report	VERB
bmra-9917	197	13	choosing	choose	VERB
bmra-9917	197	14	not	not	PART
bmra-9917	197	15	to	to	PART
bmra-9917	197	16	engage	engage	VERB
bmra-9917	197	17	with	with	ADP
bmra-9917	197	18	a	a	DET
bmra-9917	197	19	private	private	ADJ
bmra-9917	197	20	equity	equity	NOUN
bmra-9917	197	21	firm	firm	NOUN
bmra-9917	197	22	.	.	PUNCT
bmra-9917	198	1	p4	p4	PROPN
bmra-9917	198	2	said	say	VERB
bmra-9917	198	3	,	,	PUNCT
bmra-9917	198	4	“	"	PUNCT
bmra-9917	198	5	early	early	ADV
bmra-9917	198	6	on	on	ADV
bmra-9917	198	7	,	,	PUNCT
bmra-9917	198	8	when	when	SCONJ
bmra-9917	198	9	i	i	PRON
bmra-9917	198	10	realized	realize	VERB
bmra-9917	198	11	i	i	PRON
bmra-9917	198	12	needed	need	VERB
bmra-9917	198	13	more	more	ADJ
bmra-9917	198	14	than	than	ADP
bmra-9917	198	15	my	my	PRON
bmra-9917	198	16	original	original	ADJ
bmra-9917	198	17	investment	investment	NOUN
bmra-9917	198	18	to	to	PART
bmra-9917	198	19	keep	keep	VERB
bmra-9917	198	20	the	the	DET
bmra-9917	198	21	business	business	NOUN
bmra-9917	198	22	going	go	VERB
bmra-9917	198	23	,	,	PUNCT
bmra-9917	198	24	i	i	PRON
bmra-9917	198	25	looked	look	VERB
bmra-9917	198	26	into	into	ADP
bmra-9917	198	27	hiring	hire	VERB
bmra-9917	198	28	a	a	DET
bmra-9917	198	29	private	private	ADJ
bmra-9917	198	30	equity	equity	NOUN
bmra-9917	198	31	firm	firm	NOUN
bmra-9917	198	32	.	.	PUNCT
bmra-9917	199	1	i	i	PRON
bmra-9917	199	2	was	be	AUX
bmra-9917	199	3	n’t	not	PART
bmra-9917	199	4	willing	willing	ADJ
bmra-9917	199	5	to	to	PART
bmra-9917	199	6	give	give	VERB
bmra-9917	199	7	up	up	ADP
bmra-9917	199	8	a	a	DET
bmra-9917	199	9	share	share	NOUN
bmra-9917	199	10	in	in	ADP
bmra-9917	199	11	my	my	PRON
bmra-9917	199	12	company	company	NOUN
bmra-9917	199	13	’s	’s	PART
bmra-9917	199	14	success	success	NOUN
bmra-9917	199	15	.	.	PUNCT
bmra-9917	199	16	”	"	PUNCT
bmra-9917	200	1	p5	p5	PROPN
bmra-9917	200	2	stated	state	VERB
bmra-9917	200	3	,	,	PUNCT
bmra-9917	200	4	“	"	PUNCT
bmra-9917	200	5	if	if	SCONJ
bmra-9917	200	6	there	there	PRON
bmra-9917	200	7	are	be	VERB
bmra-9917	200	8	going	go	VERB
bmra-9917	200	9	to	to	PART
bmra-9917	200	10	be	be	AUX
bmra-9917	200	11	stakeholders	stakeholder	NOUN
bmra-9917	200	12	in	in	ADP
bmra-9917	200	13	the	the	DET
bmra-9917	200	14	business	business	NOUN
bmra-9917	200	15	,	,	PUNCT
bmra-9917	200	16	i	i	PRON
bmra-9917	200	17	’m	’m	AUX
bmra-9917	200	18	going	go	VERB
bmra-9917	200	19	to	to	PART
bmra-9917	200	20	decide	decide	VERB
bmra-9917	200	21	who	who	PRON
bmra-9917	200	22	they	they	PRON
bmra-9917	200	23	are	be	AUX
bmra-9917	200	24	.	.	PUNCT
bmra-9917	200	25	”	"	PUNCT
bmra-9917	201	1	p8	p8	PROPN
bmra-9917	201	2	expressed	express	VERB
bmra-9917	201	3	similar	similar	ADJ
bmra-9917	201	4	sentiments	sentiment	NOUN
bmra-9917	201	5	,	,	PUNCT
bmra-9917	201	6	saying	say	VERB
bmra-9917	201	7	,	,	PUNCT
bmra-9917	201	8	“	"	PUNCT
bmra-9917	201	9	i	i	PRON
bmra-9917	201	10	’d	’d	NOUN
bmra-9917	201	11	rather	rather	ADV
bmra-9917	201	12	let	let	VERB
bmra-9917	201	13	my	my	PRON
bmra-9917	201	14	uncle	uncle	NOUN
bmra-9917	201	15	bob	bob	PROPN
bmra-9917	201	16	invest	invest	VERB
bmra-9917	201	17	and	and	CCONJ
bmra-9917	201	18	get	get	VERB
bmra-9917	201	19	a	a	DET
bmra-9917	201	20	portion	portion	NOUN
bmra-9917	201	21	of	of	ADP
bmra-9917	201	22	the	the	DET
bmra-9917	201	23	profits	profit	NOUN
bmra-9917	201	24	than	than	SCONJ
bmra-9917	201	25	hire	hire	VERB
bmra-9917	201	26	a	a	DET
bmra-9917	201	27	private	private	ADJ
bmra-9917	201	28	equity	equity	NOUN
bmra-9917	201	29	firm	firm	NOUN
bmra-9917	201	30	.	.	PUNCT
bmra-9917	202	1	and	and	CCONJ
bmra-9917	202	2	i	i	PRON
bmra-9917	202	3	do	do	VERB
bmra-9917	202	4	n’t	not	PART
bmra-9917	202	5	like	like	ADP
bmra-9917	202	6	my	my	PRON
bmra-9917	202	7	uncle	uncle	NOUN
bmra-9917	202	8	bob	bob	PROPN
bmra-9917	202	9	very	very	ADV
bmra-9917	202	10	much	much	ADV
bmra-9917	202	11	.	.	PUNCT
bmra-9917	202	12	”	"	PUNCT
bmra-9917	203	1	subtheme	subtheme	NOUN
bmra-9917	203	2	4	4	NUM
bmra-9917	203	3	:	:	PUNCT
bmra-9917	203	4	other	other	ADJ
bmra-9917	203	5	sources	source	NOUN
bmra-9917	203	6	of	of	ADP
bmra-9917	203	7	external	external	ADJ
bmra-9917	203	8	financing	financing	NOUN
bmra-9917	203	9	additional	additional	ADJ
bmra-9917	203	10	external	external	ADJ
bmra-9917	203	11	financing	financing	NOUN
bmra-9917	203	12	sources	source	NOUN
bmra-9917	203	13	included	include	VERB
bmra-9917	203	14	third	third	ADJ
bmra-9917	203	15	-	-	PUNCT
bmra-9917	203	16	party	party	NOUN
bmra-9917	203	17	debt	debt	NOUN
bmra-9917	203	18	funding	funding	NOUN
bmra-9917	203	19	,	,	PUNCT
bmra-9917	203	20	sba	sba	PROPN
bmra-9917	203	21	loans	loan	NOUN
bmra-9917	203	22	,	,	PUNCT
bmra-9917	203	23	government	government	NOUN
bmra-9917	203	24	grants	grant	NOUN
bmra-9917	203	25	,	,	PUNCT
bmra-9917	203	26	and	and	CCONJ
bmra-9917	203	27	moneylenders	moneylender	NOUN
bmra-9917	203	28	.	.	PUNCT
bmra-9917	204	1	few	few	ADJ
bmra-9917	204	2	participants	participant	NOUN
bmra-9917	204	3	had	have	VERB
bmra-9917	204	4	access	access	NOUN
bmra-9917	204	5	to	to	ADP
bmra-9917	204	6	or	or	CCONJ
bmra-9917	204	7	used	use	VERB
bmra-9917	204	8	external	external	ADJ
bmra-9917	204	9	funding	funding	NOUN
bmra-9917	204	10	sources	source	NOUN
bmra-9917	204	11	.	.	PUNCT
bmra-9917	205	1	p7	p7	PROPN
bmra-9917	205	2	could	could	AUX
bmra-9917	205	3	access	access	VERB
bmra-9917	205	4	and	and	CCONJ
bmra-9917	205	5	preferred	prefer	VERB
bmra-9917	205	6	to	to	PART
bmra-9917	205	7	use	use	VERB
bmra-9917	205	8	multiple	multiple	ADJ
bmra-9917	205	9	external	external	ADJ
bmra-9917	205	10	funds	fund	NOUN
bmra-9917	205	11	as	as	SCONJ
bmra-9917	205	12	he	he	PRON
bmra-9917	205	13	did	do	AUX
bmra-9917	205	14	not	not	PART
bmra-9917	205	15	want	want	VERB
bmra-9917	205	16	to	to	PART
bmra-9917	205	17	“	"	PUNCT
bmra-9917	205	18	put	put	VERB
bmra-9917	205	19	all	all	DET
bmra-9917	205	20	his	his	PRON
bmra-9917	205	21	eggs	egg	NOUN
bmra-9917	205	22	in	in	ADP
bmra-9917	205	23	one	one	NUM
bmra-9917	205	24	basket	basket	NOUN
bmra-9917	205	25	.	.	PUNCT
bmra-9917	205	26	”	"	PUNCT
bmra-9917	206	1	he	he	PRON
bmra-9917	206	2	reported	report	VERB
bmra-9917	206	3	engaging	engage	VERB
bmra-9917	206	4	with	with	ADP
bmra-9917	206	5	different	different	ADJ
bmra-9917	206	6	financial	financial	ADJ
bmra-9917	206	7	institutions	institution	NOUN
bmra-9917	206	8	to	to	PART
bmra-9917	206	9	“	"	PUNCT
bmra-9917	206	10	spread	spread	VERB
bmra-9917	206	11	things	thing	NOUN
bmra-9917	206	12	around	around	ADV
bmra-9917	206	13	”	"	PUNCT
bmra-9917	206	14	and	and	CCONJ
bmra-9917	206	15	sustain	sustain	VERB
bmra-9917	206	16	his	his	PRON
bmra-9917	206	17	business	business	NOUN
bmra-9917	206	18	.	.	PUNCT
bmra-9917	207	1	p7	p7	PROPN
bmra-9917	207	2	shared	share	VERB
bmra-9917	207	3	two	two	NUM
bmra-9917	207	4	loan	loan	NOUN
bmra-9917	207	5	approval	approval	NOUN
bmra-9917	207	6	documents	document	NOUN
bmra-9917	207	7	and	and	CCONJ
bmra-9917	207	8	pointed	point	VERB
bmra-9917	207	9	out	out	ADP
bmra-9917	207	10	the	the	DET
bmra-9917	207	11	differences	difference	NOUN
bmra-9917	207	12	in	in	ADP
bmra-9917	207	13	some	some	DET
bmra-9917	207	14	terms	term	NOUN
bmra-9917	207	15	and	and	CCONJ
bmra-9917	207	16	conditions	condition	NOUN
bmra-9917	207	17	.	.	PUNCT
bmra-9917	208	1	two	two	NUM
bmra-9917	208	2	participants	participant	NOUN
bmra-9917	208	3	reported	report	VERB
bmra-9917	208	4	accessing	access	VERB
bmra-9917	208	5	sba	sba	NOUN
bmra-9917	208	6	loans	loan	NOUN
bmra-9917	208	7	.	.	PUNCT
bmra-9917	209	1	p7	p7	PROPN
bmra-9917	209	2	stated	state	VERB
bmra-9917	209	3	,	,	PUNCT
bmra-9917	209	4	“	"	PUNCT
bmra-9917	209	5	i	i	PRON
bmra-9917	209	6	have	have	AUX
bmra-9917	209	7	found	find	VERB
bmra-9917	209	8	the	the	DET
bmra-9917	209	9	sba	sba	PROPN
bmra-9917	209	10	loan	loan	PROPN
bmra-9917	209	11	quite	quite	ADV
bmra-9917	209	12	beneficial	beneficial	ADJ
bmra-9917	209	13	to	to	ADP
bmra-9917	209	14	keeping	keep	VERB
bmra-9917	209	15	my	my	PRON
bmra-9917	209	16	business	business	NOUN
bmra-9917	209	17	on	on	ADP
bmra-9917	209	18	track	track	NOUN
bmra-9917	209	19	.	.	PUNCT
bmra-9917	210	1	the	the	DET
bmra-9917	210	2	terms	term	NOUN
bmra-9917	210	3	ca	can	AUX
bmra-9917	210	4	n’t	not	PART
bmra-9917	210	5	be	be	AUX
bmra-9917	210	6	beat	beat	VERB
bmra-9917	210	7	.	.	PUNCT
bmra-9917	210	8	”	"	PUNCT
bmra-9917	211	1	p8	p8	PROPN
bmra-9917	211	2	said	say	VERB
bmra-9917	211	3	,	,	PUNCT
bmra-9917	211	4	when	when	SCONJ
bmra-9917	211	5	it	it	PRON
bmra-9917	211	6	came	come	VERB
bmra-9917	211	7	time	time	NOUN
bmra-9917	211	8	to	to	PART
bmra-9917	211	9	secure	secure	VERB
bmra-9917	211	10	more	more	ADJ
bmra-9917	211	11	money	money	NOUN
bmra-9917	211	12	to	to	PART
bmra-9917	211	13	grow	grow	VERB
bmra-9917	211	14	my	my	PRON
bmra-9917	211	15	business	business	NOUN
bmra-9917	211	16	,	,	PUNCT
bmra-9917	211	17	i	i	PRON
bmra-9917	211	18	researched	research	VERB
bmra-9917	211	19	all	all	DET
bmra-9917	211	20	sorts	sort	NOUN
bmra-9917	211	21	of	of	ADP
bmra-9917	211	22	external	external	ADJ
bmra-9917	211	23	options	option	NOUN
bmra-9917	211	24	:	:	PUNCT
bmra-9917	211	25	bank	bank	NOUN
bmra-9917	211	26	loans	loan	NOUN
bmra-9917	211	27	,	,	PUNCT
bmra-9917	211	28	private	private	ADJ
bmra-9917	211	29	lenders	lender	NOUN
bmra-9917	211	30	,	,	PUNCT
bmra-9917	211	31	and	and	CCONJ
bmra-9917	211	32	sba	sba	PROPN
bmra-9917	211	33	loans	loan	NOUN
bmra-9917	211	34	.	.	PUNCT
bmra-9917	212	1	sba	sba	PROPN
bmra-9917	212	2	was	be	AUX
bmra-9917	212	3	the	the	DET
bmra-9917	212	4	best	good	ADJ
bmra-9917	212	5	option	option	NOUN
bmra-9917	212	6	,	,	PUNCT
bmra-9917	212	7	hands	hand	VERB
bmra-9917	212	8	down	down	ADP
bmra-9917	212	9	.	.	PUNCT
bmra-9917	213	1	they	they	PRON
bmra-9917	213	2	had	have	VERB
bmra-9917	213	3	the	the	DET
bmra-9917	213	4	lowest	low	ADJ
bmra-9917	213	5	interest	interest	NOUN
bmra-9917	213	6	rates	rate	NOUN
bmra-9917	213	7	without	without	ADP
bmra-9917	213	8	requiring	require	VERB
bmra-9917	213	9	property	property	NOUN
bmra-9917	213	10	as	as	ADP
bmra-9917	213	11	collateral	collateral	NOUN
bmra-9917	213	12	.	.	PUNCT
bmra-9917	214	1	the	the	DET
bmra-9917	214	2	sba	sba	PROPN
bmra-9917	214	3	provides	provide	VERB
bmra-9917	214	4	subsidized	subsidized	ADJ
bmra-9917	214	5	loans	loan	NOUN
bmra-9917	214	6	with	with	ADP
bmra-9917	214	7	favorable	favorable	ADJ
bmra-9917	214	8	terms	term	NOUN
bmra-9917	214	9	to	to	PART
bmra-9917	214	10	help	help	VERB
bmra-9917	214	11	small	small	ADJ
bmra-9917	214	12	businesses	business	NOUN
bmra-9917	214	13	grow	grow	VERB
bmra-9917	214	14	.	.	PUNCT
bmra-9917	215	1	unlike	unlike	ADP
bmra-9917	215	2	loan	loan	NOUN
bmra-9917	215	3	officers	officer	NOUN
bmra-9917	215	4	at	at	ADP
bmra-9917	215	5	the	the	DET
bmra-9917	215	6	big	big	ADJ
bmra-9917	215	7	banks	bank	NOUN
bmra-9917	215	8	who	who	PRON
bmra-9917	215	9	would	would	AUX
bmra-9917	215	10	not	not	PART
bmra-9917	215	11	lend	lend	VERB
bmra-9917	215	12	to	to	PART
bmra-9917	215	13	p7	p7	VERB
bmra-9917	215	14	,	,	PUNCT
bmra-9917	215	15	the	the	DET
bmra-9917	215	16	sba	sba	NOUN
bmra-9917	215	17	provided	provide	VERB
bmra-9917	215	18	loans	loan	NOUN
bmra-9917	215	19	that	that	PRON
bmra-9917	215	20	allowed	allow	VERB
bmra-9917	215	21	him	he	PRON
bmra-9917	215	22	to	to	PART
bmra-9917	215	23	run	run	VERB
bmra-9917	215	24	his	his	PRON
bmra-9917	215	25	business	business	NOUN
bmra-9917	215	26	.	.	PUNCT
bmra-9917	216	1	he	he	PRON
bmra-9917	216	2	said	say	VERB
bmra-9917	216	3	,	,	PUNCT
bmra-9917	216	4	“	"	PUNCT
bmra-9917	216	5	the	the	DET
bmra-9917	216	6	best	good	ADJ
bmra-9917	216	7	thing	thing	NOUN
bmra-9917	216	8	for	for	ADP
bmra-9917	216	9	any	any	DET
bmra-9917	216	10	small	small	ADJ
bmra-9917	216	11	business	business	NOUN
bmra-9917	216	12	is	be	AUX
bmra-9917	216	13	to	to	PART
bmra-9917	216	14	engage	engage	VERB
bmra-9917	216	15	june	june	PROPN
bmra-9917	216	16	2025	2025	NUM
bmra-9917	216	17	|	|	ADV
bmra-9917	216	18	volume	volume	NOUN
bmra-9917	216	19	4	4	NUM
bmra-9917	216	20	,	,	PUNCT
bmra-9917	216	21	number	number	NOUN
bmra-9917	216	22	2	2	NUM
bmra-9917	216	23	10	10	NUM
bmra-9917	216	24	with	with	ADP
bmra-9917	216	25	the	the	DET
bmra-9917	216	26	sba	sba	NOUN
bmra-9917	216	27	to	to	PART
bmra-9917	216	28	access	access	VERB
bmra-9917	216	29	subsidized	subsidized	ADJ
bmra-9917	216	30	loans	loan	NOUN
bmra-9917	216	31	.	.	PUNCT
bmra-9917	217	1	i	i	PRON
bmra-9917	217	2	do	do	AUX
bmra-9917	217	3	n’t	not	PART
bmra-9917	217	4	know	know	VERB
bmra-9917	217	5	what	what	PRON
bmra-9917	217	6	is	be	AUX
bmra-9917	217	7	happening	happen	VERB
bmra-9917	217	8	in	in	ADP
bmra-9917	217	9	america	america	PROPN
bmra-9917	217	10	regarding	regard	VERB
bmra-9917	217	11	loans	loan	NOUN
bmra-9917	217	12	,	,	PUNCT
bmra-9917	217	13	but	but	CCONJ
bmra-9917	217	14	sba	sba	PROPN
bmra-9917	217	15	is	be	AUX
bmra-9917	217	16	still	still	ADV
bmra-9917	217	17	the	the	DET
bmra-9917	217	18	best	good	ADJ
bmra-9917	217	19	source	source	NOUN
bmra-9917	217	20	for	for	ADP
bmra-9917	217	21	loans	loan	NOUN
bmra-9917	217	22	.	.	PUNCT
bmra-9917	217	23	”	"	PUNCT
bmra-9917	218	1	two	two	NUM
bmra-9917	218	2	small	small	ADJ
bmra-9917	218	3	business	business	NOUN
bmra-9917	218	4	owners	owner	NOUN
bmra-9917	218	5	reported	report	VERB
bmra-9917	218	6	different	different	ADJ
bmra-9917	218	7	means	mean	NOUN
bmra-9917	218	8	of	of	ADP
bmra-9917	218	9	acquiring	acquire	VERB
bmra-9917	218	10	external	external	ADJ
bmra-9917	218	11	funds	fund	NOUN
bmra-9917	218	12	.	.	PUNCT
bmra-9917	219	1	p1	p1	PROPN
bmra-9917	219	2	had	have	AUX
bmra-9917	219	3	received	receive	VERB
bmra-9917	219	4	a	a	DET
bmra-9917	219	5	government	government	NOUN
bmra-9917	219	6	grant	grant	NOUN
bmra-9917	219	7	to	to	PART
bmra-9917	219	8	provide	provide	VERB
bmra-9917	219	9	services	service	NOUN
bmra-9917	219	10	to	to	ADP
bmra-9917	219	11	the	the	DET
bmra-9917	219	12	local	local	ADJ
bmra-9917	219	13	county	county	NOUN
bmra-9917	219	14	jail	jail	NOUN
bmra-9917	219	15	.	.	PUNCT
bmra-9917	220	1	p3	p3	PROPN
bmra-9917	220	2	was	be	AUX
bmra-9917	220	3	the	the	DET
bmra-9917	220	4	only	only	ADJ
bmra-9917	220	5	small	small	ADJ
bmra-9917	220	6	business	business	NOUN
bmra-9917	220	7	owner	owner	NOUN
bmra-9917	220	8	to	to	PART
bmra-9917	220	9	report	report	VERB
bmra-9917	220	10	borrowing	borrow	VERB
bmra-9917	220	11	from	from	ADP
bmra-9917	220	12	a	a	DET
bmra-9917	220	13	moneylender	moneylender	NOUN
bmra-9917	220	14	,	,	PUNCT
bmra-9917	220	15	obtaining	obtain	VERB
bmra-9917	220	16	a	a	DET
bmra-9917	220	17	lower	low	ADJ
bmra-9917	220	18	interest	interest	NOUN
bmra-9917	220	19	rate	rate	NOUN
bmra-9917	220	20	than	than	ADP
bmra-9917	220	21	the	the	DET
bmra-9917	220	22	banks	bank	NOUN
bmra-9917	220	23	but	but	CCONJ
bmra-9917	220	24	with	with	ADP
bmra-9917	220	25	a	a	DET
bmra-9917	220	26	shorter	short	ADJ
bmra-9917	220	27	repayment	repayment	NOUN
bmra-9917	220	28	period	period	NOUN
bmra-9917	220	29	.	.	PUNCT
bmra-9917	221	1	theme	theme	NOUN
bmra-9917	221	2	5	5	NUM
bmra-9917	221	3	:	:	PUNCT
bmra-9917	221	4	minimizing	minimize	VERB
bmra-9917	221	5	business	business	NOUN
bmra-9917	221	6	operational	operational	ADJ
bmra-9917	221	7	costs	cost	NOUN
bmra-9917	221	8	and	and	CCONJ
bmra-9917	221	9	expenses	expense	VERB
bmra-9917	221	10	the	the	DET
bmra-9917	221	11	final	final	ADJ
bmra-9917	221	12	theme	theme	NOUN
bmra-9917	221	13	was	be	AUX
bmra-9917	221	14	managing	manage	VERB
bmra-9917	221	15	the	the	DET
bmra-9917	221	16	business	business	NOUN
bmra-9917	221	17	to	to	PART
bmra-9917	221	18	reduce	reduce	VERB
bmra-9917	221	19	operational	operational	ADJ
bmra-9917	221	20	costs	cost	NOUN
bmra-9917	221	21	.	.	PUNCT
bmra-9917	222	1	as	as	SCONJ
bmra-9917	222	2	shown	show	VERB
bmra-9917	222	3	in	in	ADP
bmra-9917	222	4	prior	prior	ADJ
bmra-9917	222	5	themes	theme	NOUN
bmra-9917	222	6	,	,	PUNCT
bmra-9917	222	7	internal	internal	ADJ
bmra-9917	222	8	funding	funding	NOUN
bmra-9917	222	9	was	be	AUX
bmra-9917	222	10	the	the	DET
bmra-9917	222	11	most	most	ADV
bmra-9917	222	12	frequently	frequently	ADV
bmra-9917	222	13	used	use	VERB
bmra-9917	222	14	source	source	NOUN
bmra-9917	222	15	,	,	PUNCT
bmra-9917	222	16	and	and	CCONJ
bmra-9917	222	17	external	external	ADJ
bmra-9917	222	18	financing	financing	NOUN
bmra-9917	222	19	was	be	AUX
bmra-9917	222	20	not	not	PART
bmra-9917	222	21	readily	readily	ADV
bmra-9917	222	22	accessible	accessible	ADJ
bmra-9917	222	23	in	in	ADP
bmra-9917	222	24	the	the	DET
bmra-9917	222	25	first	first	ADJ
bmra-9917	222	26	5	5	NUM
bmra-9917	222	27	years	year	NOUN
bmra-9917	222	28	of	of	ADP
bmra-9917	222	29	business	business	NOUN
bmra-9917	222	30	operations	operation	NOUN
bmra-9917	222	31	.	.	PUNCT
bmra-9917	223	1	because	because	SCONJ
bmra-9917	223	2	they	they	PRON
bmra-9917	223	3	did	do	AUX
bmra-9917	223	4	not	not	PART
bmra-9917	223	5	have	have	VERB
bmra-9917	223	6	access	access	NOUN
bmra-9917	223	7	to	to	ADP
bmra-9917	223	8	bank	bank	NOUN
bmra-9917	223	9	loans	loan	NOUN
bmra-9917	223	10	in	in	ADP
bmra-9917	223	11	the	the	DET
bmra-9917	223	12	first	first	ADJ
bmra-9917	223	13	5	5	NUM
bmra-9917	223	14	years	year	NOUN
bmra-9917	223	15	of	of	ADP
bmra-9917	223	16	business	business	NOUN
bmra-9917	223	17	operations	operation	NOUN
bmra-9917	223	18	,	,	PUNCT
bmra-9917	223	19	five	five	NUM
bmra-9917	223	20	of	of	ADP
bmra-9917	223	21	the	the	DET
bmra-9917	223	22	eight	eight	NUM
bmra-9917	223	23	participants	participant	NOUN
bmra-9917	223	24	used	use	VERB
bmra-9917	223	25	the	the	DET
bmra-9917	223	26	financial	financial	ADJ
bmra-9917	223	27	strategy	strategy	NOUN
bmra-9917	223	28	of	of	ADP
bmra-9917	223	29	operating	operate	VERB
bmra-9917	223	30	and	and	CCONJ
bmra-9917	223	31	managing	manage	VERB
bmra-9917	223	32	their	their	PRON
bmra-9917	223	33	businesses	business	NOUN
bmra-9917	223	34	to	to	PART
bmra-9917	223	35	minimize	minimize	VERB
bmra-9917	223	36	expenditures	expenditure	NOUN
bmra-9917	223	37	.	.	PUNCT
bmra-9917	224	1	three	three	NUM
bmra-9917	224	2	subthemes	subtheme	NOUN
bmra-9917	224	3	emerged	emerge	VERB
bmra-9917	224	4	:	:	PUNCT
bmra-9917	224	5	minimizing	minimize	VERB
bmra-9917	224	6	business	business	NOUN
bmra-9917	224	7	expenses	expense	NOUN
bmra-9917	224	8	(	(	PUNCT
bmra-9917	224	9	n	n	NOUN
bmra-9917	224	10	=	=	SYM
bmra-9917	224	11	4	4	NUM
bmra-9917	224	12	)	)	PUNCT
bmra-9917	224	13	,	,	PUNCT
bmra-9917	224	14	not	not	PART
bmra-9917	224	15	paying	pay	VERB
bmra-9917	224	16	self	self	NOUN
bmra-9917	224	17	(	(	PUNCT
bmra-9917	224	18	n	n	NOUN
bmra-9917	224	19	=	=	SYM
bmra-9917	224	20	3	3	NUM
bmra-9917	224	21	)	)	PUNCT
bmra-9917	224	22	,	,	PUNCT
bmra-9917	224	23	and	and	CCONJ
bmra-9917	224	24	leveraging	leverage	VERB
bmra-9917	224	25	relationships	relationship	NOUN
bmra-9917	224	26	(	(	PUNCT
bmra-9917	224	27	n	n	NOUN
bmra-9917	224	28	=	=	SYM
bmra-9917	224	29	2	2	NUM
bmra-9917	224	30	)	)	PUNCT
bmra-9917	224	31	.	.	PUNCT
bmra-9917	225	1	four	four	NUM
bmra-9917	225	2	small	small	ADJ
bmra-9917	225	3	business	business	NOUN
bmra-9917	225	4	owners	owner	NOUN
bmra-9917	225	5	discussed	discuss	VERB
bmra-9917	225	6	minimizing	minimize	VERB
bmra-9917	225	7	expenses	expense	NOUN
bmra-9917	225	8	by	by	ADP
bmra-9917	225	9	reducing	reduce	VERB
bmra-9917	225	10	the	the	DET
bmra-9917	225	11	number	number	NOUN
bmra-9917	225	12	of	of	ADP
bmra-9917	225	13	employees	employee	NOUN
bmra-9917	225	14	,	,	PUNCT
bmra-9917	225	15	overworking	overwork	VERB
bmra-9917	225	16	,	,	PUNCT
bmra-9917	225	17	and	and	CCONJ
bmra-9917	225	18	taking	take	VERB
bmra-9917	225	19	on	on	ADP
bmra-9917	225	20	multiple	multiple	ADJ
bmra-9917	225	21	roles	role	NOUN
bmra-9917	225	22	to	to	PART
bmra-9917	225	23	reduce	reduce	VERB
bmra-9917	225	24	payroll	payroll	NOUN
bmra-9917	225	25	costs	cost	NOUN
bmra-9917	225	26	.	.	PUNCT
bmra-9917	226	1	p1	p1	PROPN
bmra-9917	226	2	explained	explain	VERB
bmra-9917	226	3	,	,	PUNCT
bmra-9917	226	4	business	business	NOUN
bmra-9917	226	5	owners	owner	NOUN
bmra-9917	226	6	use	use	VERB
bmra-9917	226	7	various	various	ADJ
bmra-9917	226	8	strategies	strategy	NOUN
bmra-9917	226	9	to	to	PART
bmra-9917	226	10	minimize	minimize	VERB
bmra-9917	226	11	their	their	PRON
bmra-9917	226	12	business	business	NOUN
bmra-9917	226	13	expenses	expense	NOUN
bmra-9917	226	14	.	.	PUNCT
bmra-9917	227	1	so	so	ADV
bmra-9917	227	2	,	,	PUNCT
bmra-9917	227	3	the	the	DET
bmra-9917	227	4	main	main	ADJ
bmra-9917	227	5	thing	thing	NOUN
bmra-9917	227	6	for	for	ADP
bmra-9917	227	7	us	we	PRON
bmra-9917	227	8	is	be	AUX
bmra-9917	227	9	to	to	PART
bmra-9917	227	10	ensure	ensure	VERB
bmra-9917	227	11	we	we	PRON
bmra-9917	227	12	did	do	AUX
bmra-9917	227	13	n’t	not	PART
bmra-9917	227	14	accumulate	accumulate	VERB
bmra-9917	227	15	so	so	ADV
bmra-9917	227	16	much	much	ADJ
bmra-9917	227	17	debt	debt	NOUN
bmra-9917	227	18	that	that	PRON
bmra-9917	227	19	would	would	AUX
bmra-9917	227	20	now	now	ADV
bmra-9917	227	21	begin	begin	VERB
bmra-9917	227	22	to	to	PART
bmra-9917	227	23	threaten	threaten	VERB
bmra-9917	227	24	our	our	PRON
bmra-9917	227	25	survival	survival	NOUN
bmra-9917	227	26	.	.	PUNCT
bmra-9917	228	1	to	to	PART
bmra-9917	228	2	achieve	achieve	VERB
bmra-9917	228	3	this	this	PRON
bmra-9917	228	4	,	,	PUNCT
bmra-9917	228	5	we	we	PRON
bmra-9917	228	6	kept	keep	VERB
bmra-9917	228	7	our	our	PRON
bmra-9917	228	8	operational	operational	ADJ
bmra-9917	228	9	expenses	expense	NOUN
bmra-9917	228	10	to	to	ADP
bmra-9917	228	11	a	a	DET
bmra-9917	228	12	minimum	minimum	NOUN
bmra-9917	228	13	.	.	PUNCT
bmra-9917	229	1	p2	p2	PROPN
bmra-9917	229	2	reported	report	VERB
bmra-9917	229	3	working	work	VERB
bmra-9917	229	4	overtime	overtime	NOUN
bmra-9917	229	5	as	as	ADP
bmra-9917	229	6	the	the	DET
bmra-9917	229	7	office	office	NOUN
bmra-9917	229	8	manager	manager	NOUN
bmra-9917	229	9	,	,	PUNCT
bmra-9917	229	10	instructor	instructor	NOUN
bmra-9917	229	11	,	,	PUNCT
bmra-9917	229	12	and	and	CCONJ
bmra-9917	229	13	coordinator	coordinator	NOUN
bmra-9917	229	14	.	.	PUNCT
bmra-9917	230	1	p2	p2	PROPN
bmra-9917	230	2	remarked	remark	VERB
bmra-9917	230	3	,	,	PUNCT
bmra-9917	230	4	“	"	PUNCT
bmra-9917	230	5	i	i	PRON
bmra-9917	230	6	did	do	AUX
bmra-9917	230	7	n’t	not	PART
bmra-9917	230	8	even	even	ADV
bmra-9917	230	9	feel	feel	VERB
bmra-9917	230	10	the	the	DET
bmra-9917	230	11	pain	pain	NOUN
bmra-9917	230	12	of	of	ADP
bmra-9917	230	13	working	work	VERB
bmra-9917	230	14	long	long	ADJ
bmra-9917	230	15	hours	hour	NOUN
bmra-9917	230	16	.	.	PUNCT
bmra-9917	231	1	i	i	PRON
bmra-9917	231	2	’ll	’ll	AUX
bmra-9917	231	3	be	be	AUX
bmra-9917	231	4	in	in	ADP
bmra-9917	231	5	the	the	DET
bmra-9917	231	6	office	office	NOUN
bmra-9917	232	1	[	[	X
bmra-9917	232	2	from	from	ADP
bmra-9917	232	3	]	]	PUNCT
bmra-9917	232	4	about	about	ADV
bmra-9917	232	5	7	7	NUM
bmra-9917	232	6	in	in	ADP
bmra-9917	232	7	the	the	DET
bmra-9917	232	8	morning	morning	NOUN
bmra-9917	232	9	until	until	ADP
bmra-9917	232	10	11:30	11:30	NUM
bmra-9917	232	11	p.m.	p.m.	NOUN
bmra-9917	233	1	i	i	PRON
bmra-9917	233	2	did	do	VERB
bmra-9917	233	3	that	that	PRON
bmra-9917	233	4	consistently	consistently	ADV
bmra-9917	233	5	throughout	throughout	ADP
bmra-9917	233	6	the	the	DET
bmra-9917	233	7	year	year	NOUN
bmra-9917	233	8	.	.	PUNCT
bmra-9917	234	1	i	i	PRON
bmra-9917	234	2	just	just	ADV
bmra-9917	234	3	spent	spend	VERB
bmra-9917	234	4	my	my	PRON
bmra-9917	234	5	sweat	sweat	NOUN
bmra-9917	234	6	and	and	CCONJ
bmra-9917	234	7	blood	blood	NOUN
bmra-9917	234	8	.	.	PUNCT
bmra-9917	234	9	”	"	PUNCT
bmra-9917	235	1	the	the	DET
bmra-9917	235	2	participant	participant	NOUN
bmra-9917	235	3	was	be	AUX
bmra-9917	235	4	also	also	ADV
bmra-9917	235	5	conservative	conservative	ADJ
bmra-9917	235	6	with	with	ADP
bmra-9917	235	7	her	her	PRON
bmra-9917	235	8	office	office	NOUN
bmra-9917	235	9	space	space	NOUN
bmra-9917	235	10	requirements	requirement	NOUN
bmra-9917	235	11	.	.	PUNCT
bmra-9917	236	1	she	she	PRON
bmra-9917	236	2	explained	explain	VERB
bmra-9917	236	3	,	,	PUNCT
bmra-9917	236	4	“	"	PUNCT
bmra-9917	236	5	i	i	PRON
bmra-9917	236	6	do	do	AUX
bmra-9917	236	7	n’t	not	PART
bmra-9917	236	8	need	need	VERB
bmra-9917	236	9	to	to	PART
bmra-9917	236	10	impress	impress	VERB
bmra-9917	236	11	anybody	anybody	PRON
bmra-9917	236	12	.	.	PUNCT
bmra-9917	237	1	i	i	PRON
bmra-9917	237	2	just	just	ADV
bmra-9917	237	3	need	need	VERB
bmra-9917	237	4	to	to	PART
bmra-9917	237	5	meet	meet	VERB
bmra-9917	237	6	the	the	DET
bmra-9917	237	7	customer	customer	NOUN
bmra-9917	237	8	’s	’s	PART
bmra-9917	237	9	needs	need	NOUN
bmra-9917	237	10	.	.	PUNCT
bmra-9917	237	11	”	"	PUNCT
bmra-9917	238	1	p8	p8	PROPN
bmra-9917	238	2	reported	report	VERB
bmra-9917	238	3	leasing	lease	VERB
bmra-9917	238	4	all	all	DET
bmra-9917	238	5	office	office	NOUN
bmra-9917	238	6	equipment	equipment	NOUN
bmra-9917	238	7	“	"	PUNCT
bmra-9917	238	8	minus	minus	CCONJ
bmra-9917	238	9	my	my	PRON
bmra-9917	238	10	lexmark	lexmark	NOUN
bmra-9917	238	11	printer	printer	NOUN
bmra-9917	238	12	and	and	CCONJ
bmra-9917	238	13	brother	brother	NOUN
bmra-9917	238	14	fax	fax	NOUN
bmra-9917	238	15	machine	machine	NOUN
bmra-9917	238	16	to	to	PART
bmra-9917	238	17	minimize	minimize	VERB
bmra-9917	238	18	costs	cost	NOUN
bmra-9917	238	19	and	and	CCONJ
bmra-9917	238	20	manage	manage	VERB
bmra-9917	238	21	cash	cash	NOUN
bmra-9917	238	22	flow	flow	NOUN
bmra-9917	238	23	.	.	PUNCT
bmra-9917	238	24	”	"	PUNCT
bmra-9917	239	1	among	among	ADP
bmra-9917	239	2	the	the	DET
bmra-9917	239	3	approaches	approach	NOUN
bmra-9917	239	4	the	the	DET
bmra-9917	239	5	participants	participant	NOUN
bmra-9917	239	6	reported	report	VERB
bmra-9917	239	7	taking	take	VERB
bmra-9917	239	8	to	to	PART
bmra-9917	239	9	keep	keep	VERB
bmra-9917	239	10	their	their	PRON
bmra-9917	239	11	business	business	NOUN
bmra-9917	239	12	expenses	expense	NOUN
bmra-9917	239	13	at	at	ADP
bmra-9917	239	14	a	a	DET
bmra-9917	239	15	minimum	minimum	NOUN
bmra-9917	239	16	,	,	PUNCT
bmra-9917	239	17	the	the	DET
bmra-9917	239	18	most	most	ADV
bmra-9917	239	19	common	common	ADJ
bmra-9917	239	20	was	be	AUX
bmra-9917	239	21	working	work	VERB
bmra-9917	239	22	extra	extra	ADJ
bmra-9917	239	23	hours	hour	NOUN
bmra-9917	239	24	.	.	PUNCT
bmra-9917	240	1	subtheme	subtheme	NOUN
bmra-9917	240	2	2	2	NUM
bmra-9917	240	3	:	:	PUNCT
bmra-9917	240	4	not	not	PART
bmra-9917	240	5	paying	pay	VERB
bmra-9917	240	6	self	self	NOUN
bmra-9917	240	7	the	the	DET
bmra-9917	240	8	participants	participant	NOUN
bmra-9917	240	9	minimized	minimize	VERB
bmra-9917	240	10	operational	operational	ADJ
bmra-9917	240	11	costs	cost	NOUN
bmra-9917	240	12	by	by	ADP
bmra-9917	240	13	reinvesting	reinveste	VERB
bmra-9917	240	14	their	their	PRON
bmra-9917	240	15	earnings	earning	NOUN
bmra-9917	240	16	in	in	ADP
bmra-9917	240	17	the	the	DET
bmra-9917	240	18	business	business	NOUN
bmra-9917	240	19	.	.	PUNCT
bmra-9917	241	1	pl	pl	NOUN
bmra-9917	241	2	,	,	PUNCT
bmra-9917	241	3	p2	p2	NOUN
bmra-9917	241	4	,	,	PUNCT
bmra-9917	241	5	and	and	CCONJ
bmra-9917	241	6	p8	p8	PROPN
bmra-9917	241	7	did	do	AUX
bmra-9917	241	8	not	not	PART
bmra-9917	241	9	pay	pay	VERB
bmra-9917	241	10	themselves	themselves	PRON
bmra-9917	241	11	in	in	ADP
bmra-9917	241	12	the	the	DET
bmra-9917	241	13	early	early	ADJ
bmra-9917	241	14	years	year	NOUN
bmra-9917	241	15	of	of	ADP
bmra-9917	241	16	business	business	NOUN
bmra-9917	241	17	operations	operation	NOUN
bmra-9917	241	18	.	.	PUNCT
bmra-9917	242	1	p8	p8	PROPN
bmra-9917	242	2	said	say	VERB
bmra-9917	242	3	,	,	PUNCT
bmra-9917	242	4	“	"	PUNCT
bmra-9917	242	5	i	i	PRON
bmra-9917	242	6	did	do	AUX
bmra-9917	242	7	not	not	PART
bmra-9917	242	8	pay	pay	VERB
bmra-9917	242	9	myself	myself	PRON
bmra-9917	242	10	at	at	ADP
bmra-9917	242	11	some	some	DET
bmra-9917	242	12	points	point	NOUN
bmra-9917	242	13	and	and	CCONJ
bmra-9917	242	14	took	take	VERB
bmra-9917	242	15	pay	pay	NOUN
bmra-9917	242	16	cuts	cut	NOUN
bmra-9917	242	17	at	at	ADP
bmra-9917	242	18	other	other	ADJ
bmra-9917	242	19	times	time	NOUN
bmra-9917	242	20	.	.	PUNCT
bmra-9917	242	21	”	"	PUNCT
bmra-9917	243	1	pl	pl	PROPN
bmra-9917	243	2	remarked	remark	VERB
bmra-9917	243	3	,	,	PUNCT
bmra-9917	243	4	“	"	PUNCT
bmra-9917	243	5	we	we	PRON
bmra-9917	243	6	still	still	ADV
bmra-9917	243	7	use	use	VERB
bmra-9917	243	8	a	a	DET
bmra-9917	243	9	lot	lot	NOUN
bmra-9917	243	10	of	of	ADP
bmra-9917	243	11	sweat	sweat	NOUN
bmra-9917	243	12	equity	equity	NOUN
bmra-9917	243	13	.	.	PUNCT
bmra-9917	244	1	i	i	PRON
bmra-9917	244	2	have	have	VERB
bmra-9917	244	3	other	other	ADJ
bmra-9917	244	4	sources	source	NOUN
bmra-9917	244	5	of	of	ADP
bmra-9917	244	6	income	income	NOUN
bmra-9917	244	7	,	,	PUNCT
bmra-9917	244	8	so	so	SCONJ
bmra-9917	244	9	i	i	PRON
bmra-9917	244	10	do	do	AUX
bmra-9917	244	11	n’t	not	PART
bmra-9917	244	12	always	always	ADV
bmra-9917	244	13	earn	earn	VERB
bmra-9917	244	14	a	a	DET
bmra-9917	244	15	salary	salary	NOUN
bmra-9917	244	16	.	.	PUNCT
bmra-9917	244	17	”	"	PUNCT
bmra-9917	245	1	three	three	NUM
bmra-9917	245	2	of	of	ADP
bmra-9917	245	3	this	this	DET
bmra-9917	245	4	study	study	NOUN
bmra-9917	245	5	’s	’s	PART
bmra-9917	245	6	participants	participant	NOUN
bmra-9917	245	7	worked	work	VERB
bmra-9917	245	8	without	without	ADP
bmra-9917	245	9	pay	pay	NOUN
bmra-9917	245	10	for	for	ADP
bmra-9917	245	11	a	a	DET
bmra-9917	245	12	time	time	NOUN
bmra-9917	245	13	to	to	PART
bmra-9917	245	14	ensure	ensure	VERB
bmra-9917	245	15	business	business	NOUN
bmra-9917	245	16	continuity	continuity	NOUN
bmra-9917	245	17	.	.	PUNCT
bmra-9917	246	1	subtheme	subtheme	NOUN
bmra-9917	246	2	3	3	NUM
bmra-9917	246	3	:	:	PUNCT
bmra-9917	246	4	leveraging	leverage	VERB
bmra-9917	246	5	relationships	relationship	NOUN
bmra-9917	246	6	other	other	ADJ
bmra-9917	246	7	strategies	strategy	NOUN
bmra-9917	246	8	included	include	VERB
bmra-9917	246	9	leveraging	leverage	VERB
bmra-9917	246	10	relationships	relationship	NOUN
bmra-9917	246	11	and	and	CCONJ
bmra-9917	246	12	sharing	share	VERB
bmra-9917	246	13	office	office	NOUN
bmra-9917	246	14	space	space	NOUN
bmra-9917	246	15	.	.	PUNCT
bmra-9917	247	1	p2	p2	PROPN
bmra-9917	247	2	explained	explain	VERB
bmra-9917	247	3	,	,	PUNCT
bmra-9917	247	4	“	"	PUNCT
bmra-9917	247	5	my	my	PRON
bmra-9917	247	6	friend	friend	NOUN
bmra-9917	247	7	allocates	allocate	VERB
bmra-9917	247	8	me	i	PRON
bmra-9917	247	9	a	a	DET
bmra-9917	247	10	space	space	NOUN
bmra-9917	247	11	within	within	ADP
bmra-9917	247	12	her	her	PRON
bmra-9917	247	13	office	office	NOUN
bmra-9917	247	14	,	,	PUNCT
bmra-9917	247	15	and	and	CCONJ
bmra-9917	247	16	i	i	PRON
bmra-9917	247	17	pay	pay	VERB
bmra-9917	247	18	her	she	PRON
bmra-9917	247	19	…	…	PUNCT
bmra-9917	247	20	monthly	monthly	ADV
bmra-9917	247	21	without	without	ADP
bmra-9917	247	22	the	the	DET
bmra-9917	247	23	burden	burden	NOUN
bmra-9917	247	24	of	of	ADP
bmra-9917	247	25	a	a	DET
bmra-9917	247	26	lease	lease	NOUN
bmra-9917	247	27	.	.	PUNCT
bmra-9917	248	1	also	also	ADV
bmra-9917	248	2	,	,	PUNCT
bmra-9917	248	3	i	i	PRON
bmra-9917	248	4	am	be	AUX
bmra-9917	248	5	surrounded	surround	VERB
bmra-9917	248	6	by	by	ADP
bmra-9917	248	7	the	the	DET
bmra-9917	248	8	right	right	ADJ
bmra-9917	248	9	people	people	NOUN
bmra-9917	248	10	.	.	PUNCT
bmra-9917	248	11	”	"	PUNCT
bmra-9917	249	1	p1	p1	PROPN
bmra-9917	249	2	reported	report	VERB
bmra-9917	249	3	sharing	share	VERB
bmra-9917	249	4	office	office	NOUN
bmra-9917	249	5	space	space	NOUN
bmra-9917	249	6	with	with	ADP
bmra-9917	249	7	other	other	ADJ
bmra-9917	249	8	physicians	physician	NOUN
bmra-9917	249	9	when	when	SCONJ
bmra-9917	249	10	starting	start	VERB
bmra-9917	249	11	his	his	PRON
bmra-9917	249	12	business	business	NOUN
bmra-9917	249	13	to	to	PART
bmra-9917	249	14	minimize	minimize	VERB
bmra-9917	249	15	costs	cost	NOUN
bmra-9917	249	16	.	.	PUNCT
bmra-9917	250	1	as	as	SCONJ
bmra-9917	250	2	the	the	DET
bmra-9917	250	3	company	company	NOUN
bmra-9917	250	4	progressed	progress	VERB
bmra-9917	250	5	,	,	PUNCT
bmra-9917	250	6	he	he	PRON
bmra-9917	250	7	began	begin	VERB
bmra-9917	250	8	to	to	ADP
bmra-9917	250	9	business	business	NOUN
bmra-9917	250	10	management	management	NOUN
bmra-9917	250	11	research	research	NOUN
bmra-9917	250	12	and	and	CCONJ
bmra-9917	250	13	applications	application	NOUN
bmra-9917	250	14	:	:	PUNCT
bmra-9917	250	15	a	a	DET
bmra-9917	250	16	cross	cross	ADJ
bmra-9917	250	17	disciplinary	disciplinary	ADJ
bmra-9917	250	18	journal	journal	NOUN
bmra-9917	250	19	11	11	NUM
bmra-9917	250	20	expand	expand	VERB
bmra-9917	250	21	.	.	PUNCT
bmra-9917	251	1	these	these	DET
bmra-9917	251	2	two	two	NUM
bmra-9917	251	3	participants	participant	NOUN
bmra-9917	251	4	benefited	benefit	VERB
bmra-9917	251	5	from	from	ADP
bmra-9917	251	6	professional	professional	ADJ
bmra-9917	251	7	and	and	CCONJ
bmra-9917	251	8	personal	personal	ADJ
bmra-9917	251	9	relationships	relationship	NOUN
bmra-9917	251	10	.	.	PUNCT
bmra-9917	252	1	shared	share	VERB
bmra-9917	252	2	office	office	NOUN
bmra-9917	252	3	space	space	NOUN
bmra-9917	252	4	reduced	reduce	VERB
bmra-9917	252	5	their	their	PRON
bmra-9917	252	6	operational	operational	ADJ
bmra-9917	252	7	costs	cost	NOUN
bmra-9917	252	8	,	,	PUNCT
bmra-9917	252	9	enabling	enable	VERB
bmra-9917	252	10	them	they	PRON
bmra-9917	252	11	to	to	PART
bmra-9917	252	12	sustain	sustain	VERB
bmra-9917	252	13	operations	operation	NOUN
bmra-9917	252	14	.	.	PUNCT
bmra-9917	253	1	implications	implication	NOUN
bmra-9917	253	2	the	the	DET
bmra-9917	253	3	findings	finding	NOUN
bmra-9917	253	4	from	from	ADP
bmra-9917	253	5	this	this	DET
bmra-9917	253	6	study	study	NOUN
bmra-9917	253	7	may	may	AUX
bmra-9917	253	8	provide	provide	VERB
bmra-9917	253	9	information	information	NOUN
bmra-9917	253	10	for	for	ADP
bmra-9917	253	11	potential	potential	ADJ
bmra-9917	253	12	entrepreneurs	entrepreneur	NOUN
bmra-9917	253	13	to	to	PART
bmra-9917	253	14	start	start	VERB
bmra-9917	253	15	sustainable	sustainable	ADJ
bmra-9917	253	16	small	small	ADJ
bmra-9917	253	17	businesses	business	NOUN
bmra-9917	253	18	and	and	CCONJ
bmra-9917	253	19	maintain	maintain	VERB
bmra-9917	253	20	operations	operation	NOUN
bmra-9917	253	21	for	for	ADP
bmra-9917	253	22	over	over	ADP
bmra-9917	253	23	5	5	NUM
bmra-9917	253	24	years	year	NOUN
bmra-9917	253	25	.	.	PUNCT
bmra-9917	254	1	the	the	DET
bmra-9917	254	2	lack	lack	NOUN
bmra-9917	254	3	of	of	ADP
bmra-9917	254	4	strategies	strategy	NOUN
bmra-9917	254	5	to	to	PART
bmra-9917	254	6	obtain	obtain	VERB
bmra-9917	254	7	working	work	VERB
bmra-9917	254	8	capital	capital	NOUN
bmra-9917	254	9	hinders	hinder	VERB
bmra-9917	254	10	the	the	DET
bmra-9917	254	11	sustainability	sustainability	NOUN
bmra-9917	254	12	of	of	ADP
bmra-9917	254	13	some	some	DET
bmra-9917	254	14	small	small	ADJ
bmra-9917	254	15	businesses	business	NOUN
bmra-9917	254	16	.	.	PUNCT
bmra-9917	255	1	sme	sme	NOUN
bmra-9917	255	2	owners	owner	NOUN
bmra-9917	255	3	face	face	VERB
bmra-9917	255	4	several	several	ADJ
bmra-9917	255	5	constraints	constraint	NOUN
bmra-9917	255	6	,	,	PUNCT
bmra-9917	255	7	including	include	VERB
bmra-9917	255	8	limited	limited	ADJ
bmra-9917	255	9	finances	finance	NOUN
bmra-9917	255	10	and	and	CCONJ
bmra-9917	255	11	low	low	ADJ
bmra-9917	255	12	entrepreneurial	entrepreneurial	ADJ
bmra-9917	255	13	knowledge	knowledge	NOUN
bmra-9917	255	14	(	(	PUNCT
bmra-9917	255	15	nkwabi	nkwabi	NOUN
bmra-9917	255	16	&	&	CCONJ
bmra-9917	255	17	mboya	mboya	PROPN
bmra-9917	255	18	,	,	PUNCT
bmra-9917	255	19	2019	2019	NUM
bmra-9917	255	20	)	)	PUNCT
bmra-9917	255	21	.	.	PUNCT
bmra-9917	256	1	unfortunately	unfortunately	ADV
bmra-9917	256	2	,	,	PUNCT
bmra-9917	256	3	external	external	ADJ
bmra-9917	256	4	financing	financing	NOUN
bmra-9917	256	5	is	be	AUX
bmra-9917	256	6	not	not	PART
bmra-9917	256	7	always	always	ADV
bmra-9917	256	8	readily	readily	ADV
bmra-9917	256	9	accessible	accessible	ADJ
bmra-9917	256	10	in	in	ADP
bmra-9917	256	11	the	the	DET
bmra-9917	256	12	first	first	ADJ
bmra-9917	256	13	5	5	NUM
bmra-9917	256	14	years	year	NOUN
bmra-9917	256	15	of	of	ADP
bmra-9917	256	16	business	business	NOUN
bmra-9917	256	17	operations	operation	NOUN
bmra-9917	256	18	.	.	PUNCT
bmra-9917	257	1	given	give	VERB
bmra-9917	257	2	the	the	DET
bmra-9917	257	3	high	high	ADJ
bmra-9917	257	4	failure	failure	NOUN
bmra-9917	257	5	rate	rate	NOUN
bmra-9917	257	6	of	of	ADP
bmra-9917	257	7	small	small	ADJ
bmra-9917	257	8	businesses	business	NOUN
bmra-9917	257	9	and	and	CCONJ
bmra-9917	257	10	the	the	DET
bmra-9917	257	11	associated	associated	ADJ
bmra-9917	257	12	level	level	NOUN
bmra-9917	257	13	of	of	ADP
bmra-9917	257	14	risk	risk	NOUN
bmra-9917	257	15	,	,	PUNCT
bmra-9917	257	16	bank	bank	NOUN
bmra-9917	257	17	lenders	lender	NOUN
bmra-9917	257	18	have	have	AUX
bmra-9917	257	19	had	have	VERB
bmra-9917	257	20	to	to	PART
bmra-9917	257	21	reallocate	reallocate	VERB
bmra-9917	257	22	credit	credit	NOUN
bmra-9917	257	23	from	from	ADP
bmra-9917	257	24	riskier	risky	ADJ
bmra-9917	257	25	markets	market	NOUN
bmra-9917	257	26	to	to	ADP
bmra-9917	257	27	safer	safe	ADJ
bmra-9917	257	28	ones	one	NOUN
bmra-9917	257	29	(	(	PUNCT
bmra-9917	257	30	cortés	cortés	NOUN
bmra-9917	257	31	et	et	PROPN
bmra-9917	257	32	al	al	PROPN
bmra-9917	257	33	.	.	PROPN
bmra-9917	257	34	,	,	PUNCT
bmra-9917	257	35	2020	2020	NUM
bmra-9917	257	36	)	)	PUNCT
bmra-9917	257	37	.	.	PUNCT
bmra-9917	258	1	this	this	DET
bmra-9917	258	2	shift	shift	NOUN
bmra-9917	258	3	has	have	AUX
bmra-9917	258	4	led	lead	VERB
bmra-9917	258	5	to	to	PART
bmra-9917	258	6	decreased	decrease	VERB
bmra-9917	258	7	external	external	ADJ
bmra-9917	258	8	debt	debt	NOUN
bmra-9917	258	9	available	available	ADJ
bmra-9917	258	10	to	to	ADP
bmra-9917	258	11	small	small	ADJ
bmra-9917	258	12	business	business	NOUN
bmra-9917	258	13	owners	owner	NOUN
bmra-9917	258	14	and	and	CCONJ
bmra-9917	258	15	their	their	PRON
bmra-9917	258	16	subsequent	subsequent	ADJ
bmra-9917	258	17	preference	preference	NOUN
bmra-9917	258	18	for	for	ADP
bmra-9917	258	19	internal	internal	ADJ
bmra-9917	258	20	funding	funding	NOUN
bmra-9917	258	21	.	.	PUNCT
bmra-9917	259	1	thus	thus	ADV
bmra-9917	259	2	,	,	PUNCT
bmra-9917	259	3	careful	careful	ADJ
bmra-9917	259	4	consideration	consideration	NOUN
bmra-9917	259	5	is	be	AUX
bmra-9917	259	6	urged	urge	VERB
bmra-9917	259	7	when	when	SCONJ
bmra-9917	259	8	considering	consider	VERB
bmra-9917	259	9	external	external	ADJ
bmra-9917	259	10	funding	funding	NOUN
bmra-9917	259	11	sources	source	NOUN
bmra-9917	259	12	.	.	PUNCT
bmra-9917	260	1	as	as	SCONJ
bmra-9917	260	2	the	the	DET
bmra-9917	260	3	pecking	pecking	NOUN
bmra-9917	260	4	order	order	NOUN
bmra-9917	260	5	theory	theory	NOUN
bmra-9917	260	6	suggests	suggest	VERB
bmra-9917	260	7	,	,	PUNCT
bmra-9917	260	8	small	small	ADJ
bmra-9917	260	9	business	business	NOUN
bmra-9917	260	10	owners	owner	NOUN
bmra-9917	260	11	typically	typically	ADV
bmra-9917	260	12	use	use	VERB
bmra-9917	260	13	internally	internally	ADV
bmra-9917	260	14	generated	generate	VERB
bmra-9917	260	15	money	money	NOUN
bmra-9917	260	16	or	or	CCONJ
bmra-9917	260	17	personal	personal	ADJ
bmra-9917	260	18	savings	saving	NOUN
bmra-9917	260	19	before	before	ADP
bmra-9917	260	20	seeking	seek	VERB
bmra-9917	260	21	external	external	ADJ
bmra-9917	260	22	debt	debt	NOUN
bmra-9917	260	23	or	or	CCONJ
bmra-9917	260	24	new	new	ADJ
bmra-9917	260	25	equity	equity	NOUN
bmra-9917	260	26	(	(	PUNCT
bmra-9917	260	27	myers	myers	PROPN
bmra-9917	260	28	&	&	CCONJ
bmra-9917	260	29	majluf	majluf	PROPN
bmra-9917	260	30	,	,	PUNCT
bmra-9917	260	31	1984	1984	NUM
bmra-9917	260	32	)	)	PUNCT
bmra-9917	260	33	.	.	PUNCT
bmra-9917	261	1	most	most	ADJ
bmra-9917	261	2	of	of	ADP
bmra-9917	261	3	this	this	DET
bmra-9917	261	4	study	study	NOUN
bmra-9917	261	5	’s	’s	PART
bmra-9917	261	6	participants	participant	NOUN
bmra-9917	261	7	’	’	PART
bmra-9917	261	8	funding	funding	NOUN
bmra-9917	261	9	choices	choice	NOUN
bmra-9917	261	10	aligned	align	VERB
bmra-9917	261	11	with	with	ADP
bmra-9917	261	12	the	the	DET
bmra-9917	261	13	pecking	pecking	NOUN
bmra-9917	261	14	order	order	NOUN
bmra-9917	261	15	theory	theory	NOUN
bmra-9917	261	16	.	.	PUNCT
bmra-9917	262	1	entrepreneurs	entrepreneur	NOUN
bmra-9917	262	2	seeking	seek	VERB
bmra-9917	262	3	to	to	PART
bmra-9917	262	4	start	start	VERB
bmra-9917	262	5	a	a	DET
bmra-9917	262	6	small	small	ADJ
bmra-9917	262	7	business	business	NOUN
bmra-9917	262	8	may	may	AUX
bmra-9917	262	9	devise	devise	VERB
bmra-9917	262	10	helpful	helpful	ADJ
bmra-9917	262	11	capital	capital	NOUN
bmra-9917	262	12	-	-	PUNCT
bmra-9917	262	13	sourcing	source	VERB
bmra-9917	262	14	strategies	strategy	NOUN
bmra-9917	262	15	from	from	ADP
bmra-9917	262	16	this	this	DET
bmra-9917	262	17	study	study	NOUN
bmra-9917	262	18	’s	’s	PART
bmra-9917	262	19	findings	finding	NOUN
bmra-9917	262	20	and	and	CCONJ
bmra-9917	262	21	business	business	NOUN
bmra-9917	262	22	leaders	leader	NOUN
bmra-9917	262	23	may	may	AUX
bmra-9917	262	24	use	use	VERB
bmra-9917	262	25	this	this	DET
bmra-9917	262	26	information	information	NOUN
bmra-9917	262	27	to	to	PART
bmra-9917	262	28	prepare	prepare	VERB
bmra-9917	262	29	themselves	themselves	PRON
bmra-9917	262	30	for	for	ADP
bmra-9917	262	31	the	the	DET
bmra-9917	262	32	funding	funding	NOUN
bmra-9917	262	33	challenges	challenge	NOUN
bmra-9917	262	34	ahead	ahead	ADV
bmra-9917	262	35	of	of	ADP
bmra-9917	262	36	them	they	PRON
bmra-9917	262	37	.	.	PUNCT
bmra-9917	263	1	one	one	NUM
bmra-9917	263	2	additional	additional	ADJ
bmra-9917	263	3	implication	implication	NOUN
bmra-9917	263	4	is	be	AUX
bmra-9917	263	5	that	that	SCONJ
bmra-9917	263	6	with	with	ADP
bmra-9917	263	7	the	the	DET
bmra-9917	263	8	proper	proper	ADJ
bmra-9917	263	9	funding	funding	NOUN
bmra-9917	263	10	,	,	PUNCT
bmra-9917	263	11	small	small	ADJ
bmra-9917	263	12	businesses	business	NOUN
bmra-9917	263	13	that	that	PRON
bmra-9917	263	14	are	be	AUX
bmra-9917	263	15	successful	successful	ADJ
bmra-9917	263	16	and	and	CCONJ
bmra-9917	263	17	can	can	AUX
bmra-9917	263	18	sustain	sustain	VERB
bmra-9917	263	19	operations	operation	NOUN
bmra-9917	263	20	for	for	ADP
bmra-9917	263	21	more	more	ADJ
bmra-9917	263	22	than	than	ADP
bmra-9917	263	23	5	5	NUM
bmra-9917	263	24	years	year	NOUN
bmra-9917	263	25	provide	provide	VERB
bmra-9917	263	26	tax	tax	NOUN
bmra-9917	263	27	revenue	revenue	NOUN
bmra-9917	263	28	to	to	ADP
bmra-9917	263	29	citizens	citizen	NOUN
bmra-9917	263	30	and	and	CCONJ
bmra-9917	263	31	communities	community	NOUN
bmra-9917	263	32	.	.	PUNCT
bmra-9917	264	1	small	small	ADJ
bmra-9917	264	2	business	business	NOUN
bmra-9917	264	3	sustainability	sustainability	NOUN
bmra-9917	264	4	has	have	VERB
bmra-9917	264	5	a	a	DET
bmra-9917	264	6	significant	significant	ADJ
bmra-9917	264	7	social	social	ADJ
bmra-9917	264	8	impact	impact	NOUN
bmra-9917	264	9	on	on	ADP
bmra-9917	264	10	the	the	DET
bmra-9917	264	11	local	local	ADJ
bmra-9917	264	12	economy	economy	NOUN
bmra-9917	264	13	and	and	CCONJ
bmra-9917	264	14	citizens	citizen	NOUN
bmra-9917	264	15	’	'	PUNCT
bmra-9917	264	16	livelihoods	livelihood	NOUN
bmra-9917	264	17	.	.	PUNCT
bmra-9917	265	1	limitations	limitation	NOUN
bmra-9917	265	2	qualitative	qualitative	NOUN
bmra-9917	265	3	findings	finding	NOUN
bmra-9917	265	4	are	be	AUX
bmra-9917	265	5	specific	specific	ADJ
bmra-9917	265	6	to	to	ADP
bmra-9917	265	7	the	the	DET
bmra-9917	265	8	individuals	individual	NOUN
bmra-9917	265	9	studied	study	VERB
bmra-9917	265	10	and	and	CCONJ
bmra-9917	265	11	not	not	PART
bmra-9917	265	12	transferable	transferable	ADJ
bmra-9917	265	13	to	to	ADP
bmra-9917	265	14	other	other	ADJ
bmra-9917	265	15	populations	population	NOUN
bmra-9917	265	16	,	,	PUNCT
bmra-9917	265	17	settings	setting	NOUN
bmra-9917	265	18	,	,	PUNCT
bmra-9917	265	19	or	or	CCONJ
bmra-9917	265	20	phenomena	phenomenon	NOUN
bmra-9917	265	21	.	.	PUNCT
bmra-9917	266	1	using	use	VERB
bmra-9917	266	2	a	a	DET
bmra-9917	266	3	qualitative	qualitative	ADJ
bmra-9917	266	4	thematic	thematic	ADJ
bmra-9917	266	5	data	datum	NOUN
bmra-9917	266	6	analysis	analysis	NOUN
bmra-9917	266	7	was	be	AUX
bmra-9917	266	8	a	a	DET
bmra-9917	266	9	limitation	limitation	NOUN
bmra-9917	266	10	because	because	SCONJ
bmra-9917	266	11	reliability	reliability	NOUN
bmra-9917	266	12	and	and	CCONJ
bmra-9917	266	13	validity	validity	NOUN
bmra-9917	266	14	depend	depend	VERB
bmra-9917	266	15	on	on	ADP
bmra-9917	266	16	the	the	DET
bmra-9917	266	17	researcher	researcher	NOUN
bmra-9917	266	18	’s	’s	PART
bmra-9917	266	19	determination	determination	NOUN
bmra-9917	266	20	of	of	ADP
bmra-9917	266	21	relevant	relevant	ADJ
bmra-9917	266	22	themes	theme	NOUN
bmra-9917	266	23	and	and	CCONJ
bmra-9917	266	24	data	datum	NOUN
bmra-9917	266	25	saturation	saturation	NOUN
bmra-9917	266	26	.	.	PUNCT
bmra-9917	267	1	another	another	DET
bmra-9917	267	2	limitation	limitation	NOUN
bmra-9917	267	3	was	be	AUX
bmra-9917	267	4	the	the	DET
bmra-9917	267	5	time	time	NOUN
bmra-9917	267	6	-	-	PUNCT
bmra-9917	267	7	intensive	intensive	ADJ
bmra-9917	267	8	data	datum	NOUN
bmra-9917	267	9	analysis	analysis	NOUN
bmra-9917	267	10	in	in	ADP
bmra-9917	267	11	case	case	NOUN
bmra-9917	267	12	studies	study	NOUN
bmra-9917	267	13	,	,	PUNCT
bmra-9917	267	14	particularly	particularly	ADV
bmra-9917	267	15	those	those	PRON
bmra-9917	267	16	with	with	ADP
bmra-9917	267	17	participant	participant	ADJ
bmra-9917	267	18	interviews	interview	NOUN
bmra-9917	267	19	.	.	PUNCT
bmra-9917	268	1	in	in	ADP
bmra-9917	268	2	one	one	NUM
bmra-9917	268	3	-	-	PUNCT
bmra-9917	268	4	on	on	ADP
bmra-9917	268	5	-	-	PUNCT
bmra-9917	268	6	one	one	NUM
bmra-9917	268	7	interviews	interview	NOUN
bmra-9917	268	8	,	,	PUNCT
bmra-9917	268	9	social	social	ADJ
bmra-9917	268	10	desirability	desirability	NOUN
bmra-9917	268	11	bias	bias	NOUN
bmra-9917	268	12	may	may	AUX
bmra-9917	268	13	result	result	VERB
bmra-9917	268	14	when	when	SCONJ
bmra-9917	268	15	participants	participant	NOUN
bmra-9917	268	16	provide	provide	VERB
bmra-9917	268	17	answers	answer	NOUN
bmra-9917	268	18	to	to	PART
bmra-9917	268	19	present	present	VERB
bmra-9917	268	20	themselves	themselves	PRON
bmra-9917	268	21	in	in	ADP
bmra-9917	268	22	the	the	DET
bmra-9917	268	23	best	good	ADJ
bmra-9917	268	24	light	light	NOUN
bmra-9917	268	25	rather	rather	ADV
bmra-9917	268	26	than	than	ADP
bmra-9917	268	27	answering	answer	VERB
bmra-9917	268	28	truthfully	truthfully	ADV
bmra-9917	268	29	.	.	PUNCT
bmra-9917	269	1	recommendations	recommendation	NOUN
bmra-9917	269	2	and	and	CCONJ
bmra-9917	269	3	conclusions	conclusion	NOUN
bmra-9917	269	4	small	small	ADJ
bmra-9917	269	5	businesses	business	NOUN
bmra-9917	269	6	play	play	VERB
bmra-9917	269	7	an	an	DET
bmra-9917	269	8	essential	essential	ADJ
bmra-9917	269	9	role	role	NOUN
bmra-9917	269	10	in	in	ADP
bmra-9917	269	11	economic	economic	ADJ
bmra-9917	269	12	development	development	NOUN
bmra-9917	269	13	(	(	PUNCT
bmra-9917	269	14	ayandibu	ayandibu	NOUN
bmra-9917	269	15	&	&	CCONJ
bmra-9917	269	16	houghton	houghton	PROPN
bmra-9917	269	17	,	,	PUNCT
bmra-9917	269	18	2017	2017	NUM
bmra-9917	269	19	;	;	PUNCT
bmra-9917	269	20	dar	dar	PROPN
bmra-9917	269	21	et	et	PROPN
bmra-9917	269	22	al	al	PROPN
bmra-9917	269	23	.	.	PROPN
bmra-9917	269	24	,	,	PUNCT
bmra-9917	269	25	2017	2017	NUM
bmra-9917	269	26	;	;	PUNCT
bmra-9917	269	27	mills	mill	NOUN
bmra-9917	269	28	,	,	PUNCT
bmra-9917	269	29	2018	2018	NUM
bmra-9917	269	30	;	;	PUNCT
bmra-9917	269	31	ribeiro	ribeiro	PROPN
bmra-9917	269	32	-	-	PUNCT
bmra-9917	269	33	soriano	soriano	PROPN
bmra-9917	269	34	,	,	PUNCT
bmra-9917	269	35	2017	2017	NUM
bmra-9917	269	36	)	)	PUNCT
bmra-9917	269	37	,	,	PUNCT
bmra-9917	269	38	and	and	CCONJ
bmra-9917	269	39	their	their	PRON
bmra-9917	269	40	high	high	ADJ
bmra-9917	269	41	failure	failure	NOUN
bmra-9917	269	42	rates	rate	NOUN
bmra-9917	269	43	negatively	negatively	ADV
bmra-9917	269	44	impact	impact	VERB
bmra-9917	269	45	state	state	NOUN
bmra-9917	269	46	,	,	PUNCT
bmra-9917	269	47	local	local	ADJ
bmra-9917	269	48	,	,	PUNCT
bmra-9917	269	49	and	and	CCONJ
bmra-9917	269	50	global	global	ADJ
bmra-9917	269	51	economies	economy	NOUN
bmra-9917	269	52	.	.	PUNCT
bmra-9917	270	1	this	this	DET
bmra-9917	270	2	qualitative	qualitative	ADJ
bmra-9917	270	3	descriptive	descriptive	ADJ
bmra-9917	270	4	multiple	multiple	ADJ
bmra-9917	270	5	case	case	NOUN
bmra-9917	270	6	study	study	NOUN
bmra-9917	270	7	focused	focus	VERB
bmra-9917	270	8	on	on	ADP
bmra-9917	270	9	how	how	SCONJ
bmra-9917	270	10	small	small	ADJ
bmra-9917	270	11	business	business	NOUN
bmra-9917	270	12	owners	owner	NOUN
bmra-9917	270	13	accessed	access	VERB
bmra-9917	270	14	financing	financing	NOUN
bmra-9917	270	15	to	to	PART
bmra-9917	270	16	sustain	sustain	VERB
bmra-9917	270	17	operations	operation	NOUN
bmra-9917	270	18	.	.	PUNCT
bmra-9917	271	1	the	the	DET
bmra-9917	271	2	five	five	NUM
bmra-9917	271	3	themes	theme	NOUN
bmra-9917	271	4	from	from	ADP
bmra-9917	271	5	participant	participant	ADJ
bmra-9917	271	6	interviews	interview	NOUN
bmra-9917	271	7	represented	represent	VERB
bmra-9917	271	8	strategies	strategy	NOUN
bmra-9917	271	9	the	the	DET
bmra-9917	271	10	successful	successful	ADJ
bmra-9917	271	11	small	small	ADJ
bmra-9917	271	12	business	business	NOUN
bmra-9917	271	13	owners	owner	NOUN
bmra-9917	271	14	used	use	VERB
bmra-9917	271	15	to	to	PART
bmra-9917	271	16	obtain	obtain	VERB
bmra-9917	271	17	funding	funding	NOUN
bmra-9917	271	18	.	.	PUNCT
bmra-9917	272	1	a	a	DET
bmra-9917	272	2	small	small	ADJ
bmra-9917	272	3	business	business	NOUN
bmra-9917	272	4	’s	’s	PART
bmra-9917	272	5	long	long	ADJ
bmra-9917	272	6	-	-	PUNCT
bmra-9917	272	7	term	term	NOUN
bmra-9917	272	8	survivability	survivability	NOUN
bmra-9917	272	9	extends	extend	VERB
bmra-9917	272	10	from	from	ADP
bmra-9917	272	11	sustainability	sustainability	NOUN
bmra-9917	272	12	beyond	beyond	ADP
bmra-9917	272	13	the	the	DET
bmra-9917	272	14	first	first	ADJ
bmra-9917	272	15	5	5	NUM
bmra-9917	272	16	years	year	NOUN
bmra-9917	272	17	.	.	PUNCT
bmra-9917	273	1	given	give	VERB
bmra-9917	273	2	the	the	DET
bmra-9917	273	3	high	high	ADJ
bmra-9917	273	4	failure	failure	NOUN
bmra-9917	273	5	rate	rate	NOUN
bmra-9917	273	6	of	of	ADP
bmra-9917	273	7	small	small	ADJ
bmra-9917	273	8	businesses	business	NOUN
bmra-9917	273	9	,	,	PUNCT
bmra-9917	273	10	june	june	PROPN
bmra-9917	273	11	2025	2025	NUM
bmra-9917	273	12	|	|	ADV
bmra-9917	273	13	volume	volume	NOUN
bmra-9917	273	14	4	4	NUM
bmra-9917	273	15	,	,	PUNCT
bmra-9917	273	16	number	number	NOUN
bmra-9917	273	17	2	2	NUM
bmra-9917	273	18	12	12	NUM
bmra-9917	273	19	entrepreneurs	entrepreneur	NOUN
bmra-9917	273	20	must	must	AUX
bmra-9917	273	21	increase	increase	VERB
bmra-9917	273	22	their	their	PRON
bmra-9917	273	23	financial	financial	ADJ
bmra-9917	273	24	knowledge	knowledge	NOUN
bmra-9917	273	25	and	and	CCONJ
bmra-9917	273	26	strategic	strategic	ADJ
bmra-9917	273	27	understanding	understanding	NOUN
bmra-9917	273	28	of	of	ADP
bmra-9917	273	29	funding	funding	NOUN
bmra-9917	273	30	operations	operation	NOUN
bmra-9917	273	31	.	.	PUNCT
bmra-9917	274	1	one	one	NUM
bmra-9917	274	2	recommendation	recommendation	NOUN
bmra-9917	274	3	is	be	AUX
bmra-9917	274	4	for	for	SCONJ
bmra-9917	274	5	entrepreneurs	entrepreneur	NOUN
bmra-9917	274	6	to	to	PART
bmra-9917	274	7	use	use	VERB
bmra-9917	274	8	internal	internal	ADJ
bmra-9917	274	9	financing	financing	NOUN
bmra-9917	274	10	to	to	PART
bmra-9917	274	11	sustain	sustain	VERB
bmra-9917	274	12	operations	operation	NOUN
bmra-9917	274	13	,	,	PUNCT
bmra-9917	274	14	as	as	SCONJ
bmra-9917	274	15	this	this	DET
bmra-9917	274	16	study	study	NOUN
bmra-9917	274	17	’s	’s	PART
bmra-9917	274	18	participants	participant	NOUN
bmra-9917	274	19	often	often	ADV
bmra-9917	274	20	did	do	VERB
bmra-9917	274	21	,	,	PUNCT
bmra-9917	274	22	minimizing	minimize	VERB
bmra-9917	274	23	the	the	DET
bmra-9917	274	24	need	need	NOUN
bmra-9917	274	25	for	for	ADP
bmra-9917	274	26	external	external	ADJ
bmra-9917	274	27	funds	fund	NOUN
bmra-9917	274	28	.	.	PUNCT
bmra-9917	275	1	small	small	ADJ
bmra-9917	275	2	business	business	NOUN
bmra-9917	275	3	owners	owner	NOUN
bmra-9917	275	4	could	could	AUX
bmra-9917	275	5	consider	consider	VERB
bmra-9917	275	6	using	use	VERB
bmra-9917	275	7	personal	personal	ADJ
bmra-9917	275	8	funds	fund	NOUN
bmra-9917	275	9	,	,	PUNCT
bmra-9917	275	10	including	include	VERB
bmra-9917	275	11	savings	saving	NOUN
bmra-9917	275	12	,	,	PUNCT
bmra-9917	275	13	home	home	NOUN
bmra-9917	275	14	equity	equity	NOUN
bmra-9917	275	15	,	,	PUNCT
bmra-9917	275	16	investments	investment	NOUN
bmra-9917	275	17	,	,	PUNCT
bmra-9917	275	18	outside	outside	ADP
bmra-9917	275	19	salaries	salary	NOUN
bmra-9917	275	20	,	,	PUNCT
bmra-9917	275	21	and	and	CCONJ
bmra-9917	275	22	personal	personal	ADJ
bmra-9917	275	23	loans	loan	NOUN
bmra-9917	275	24	.	.	PUNCT
bmra-9917	276	1	another	another	DET
bmra-9917	276	2	recommendation	recommendation	NOUN
bmra-9917	276	3	is	be	AUX
bmra-9917	276	4	investing	invest	VERB
bmra-9917	276	5	business	business	NOUN
bmra-9917	276	6	profit	profit	NOUN
bmra-9917	276	7	into	into	ADP
bmra-9917	276	8	expanding	expand	VERB
bmra-9917	276	9	and	and	CCONJ
bmra-9917	276	10	sustaining	sustain	VERB
bmra-9917	276	11	operations	operation	NOUN
bmra-9917	276	12	.	.	PUNCT
bmra-9917	277	1	small	small	ADJ
bmra-9917	277	2	business	business	NOUN
bmra-9917	277	3	owners	owner	NOUN
bmra-9917	277	4	should	should	AUX
bmra-9917	277	5	use	use	VERB
bmra-9917	277	6	lower	low	ADJ
bmra-9917	277	7	-	-	PUNCT
bmra-9917	277	8	cost	cost	NOUN
bmra-9917	277	9	sources	source	NOUN
bmra-9917	277	10	of	of	ADP
bmra-9917	277	11	funds	fund	NOUN
bmra-9917	277	12	for	for	ADP
bmra-9917	277	13	as	as	ADV
bmra-9917	277	14	long	long	ADV
bmra-9917	277	15	as	as	ADP
bmra-9917	277	16	possible	possible	ADJ
bmra-9917	277	17	before	before	ADP
bmra-9917	277	18	pursuing	pursue	VERB
bmra-9917	277	19	external	external	ADJ
bmra-9917	277	20	financing	financing	NOUN
bmra-9917	277	21	.	.	PUNCT
bmra-9917	278	1	although	although	SCONJ
bmra-9917	278	2	often	often	ADV
bmra-9917	278	3	necessary	necessary	ADJ
bmra-9917	278	4	at	at	ADP
bmra-9917	278	5	critical	critical	ADJ
bmra-9917	278	6	operating	operating	NOUN
bmra-9917	278	7	stages	stage	NOUN
bmra-9917	278	8	,	,	PUNCT
bmra-9917	278	9	external	external	ADJ
bmra-9917	278	10	debt	debt	NOUN
bmra-9917	278	11	requires	require	VERB
bmra-9917	278	12	informed	inform	VERB
bmra-9917	278	13	and	and	CCONJ
bmra-9917	278	14	thoughtful	thoughtful	ADJ
bmra-9917	278	15	consideration	consideration	NOUN
bmra-9917	278	16	.	.	PUNCT
bmra-9917	279	1	small	small	ADJ
bmra-9917	279	2	business	business	NOUN
bmra-9917	279	3	owners	owner	NOUN
bmra-9917	279	4	must	must	AUX
bmra-9917	279	5	understand	understand	VERB
bmra-9917	279	6	funding	funding	NOUN
bmra-9917	279	7	terms	term	NOUN
bmra-9917	279	8	and	and	CCONJ
bmra-9917	279	9	conditions	condition	NOUN
bmra-9917	279	10	and	and	CCONJ
bmra-9917	279	11	examine	examine	VERB
bmra-9917	279	12	interest	interest	NOUN
bmra-9917	279	13	rates	rate	NOUN
bmra-9917	279	14	across	across	ADP
bmra-9917	279	15	sources	source	NOUN
bmra-9917	279	16	,	,	PUNCT
bmra-9917	279	17	including	include	VERB
bmra-9917	279	18	bank	bank	NOUN
bmra-9917	279	19	and	and	CCONJ
bmra-9917	279	20	sba	sba	PROPN
bmra-9917	279	21	loans	loan	NOUN
bmra-9917	279	22	.	.	PUNCT
bmra-9917	280	1	as	as	SCONJ
bmra-9917	280	2	shown	show	VERB
bmra-9917	280	3	in	in	ADP
bmra-9917	280	4	theme	theme	NOUN
bmra-9917	280	5	4	4	NUM
bmra-9917	280	6	,	,	PUNCT
bmra-9917	280	7	small	small	ADJ
bmra-9917	280	8	business	business	NOUN
bmra-9917	280	9	owners	owner	NOUN
bmra-9917	280	10	should	should	AUX
bmra-9917	280	11	minimize	minimize	VERB
bmra-9917	280	12	business	business	NOUN
bmra-9917	280	13	expenses	expense	NOUN
bmra-9917	280	14	to	to	PART
bmra-9917	280	15	reduce	reduce	VERB
bmra-9917	280	16	operational	operational	ADJ
bmra-9917	280	17	costs	cost	NOUN
bmra-9917	280	18	and	and	CCONJ
bmra-9917	280	19	ensure	ensure	VERB
bmra-9917	280	20	sustainability	sustainability	NOUN
bmra-9917	280	21	.	.	PUNCT
bmra-9917	281	1	one	one	NUM
bmra-9917	281	2	way	way	NOUN
bmra-9917	281	3	to	to	PART
bmra-9917	281	4	reduce	reduce	VERB
bmra-9917	281	5	costs	cost	NOUN
bmra-9917	281	6	is	be	AUX
bmra-9917	281	7	by	by	ADP
bmra-9917	281	8	leveraging	leverage	VERB
bmra-9917	281	9	business	business	NOUN
bmra-9917	281	10	relationships	relationship	NOUN
bmra-9917	281	11	.	.	PUNCT
bmra-9917	282	1	p8	p8	PROPN
bmra-9917	282	2	leased	lease	VERB
bmra-9917	282	3	all	all	DET
bmra-9917	282	4	office	office	NOUN
bmra-9917	282	5	equipment	equipment	NOUN
bmra-9917	282	6	to	to	PART
bmra-9917	282	7	maintain	maintain	VERB
bmra-9917	282	8	cash	cash	NOUN
bmra-9917	282	9	flow	flow	NOUN
bmra-9917	282	10	,	,	PUNCT
bmra-9917	282	11	and	and	CCONJ
bmra-9917	282	12	p1	p1	NOUN
bmra-9917	282	13	and	and	CCONJ
bmra-9917	282	14	p2	p2	VERB
bmra-9917	282	15	leveraged	leveraged	ADJ
bmra-9917	282	16	relationships	relationship	NOUN
bmra-9917	282	17	to	to	PART
bmra-9917	282	18	obtain	obtain	VERB
bmra-9917	282	19	a	a	DET
bmra-9917	282	20	business	business	NOUN
bmra-9917	282	21	site	site	NOUN
bmra-9917	282	22	.	.	PUNCT
bmra-9917	283	1	future	future	ADJ
bmra-9917	283	2	research	research	NOUN
bmra-9917	283	3	future	future	ADJ
bmra-9917	283	4	researchers	researcher	NOUN
bmra-9917	283	5	could	could	AUX
bmra-9917	283	6	repeat	repeat	VERB
bmra-9917	283	7	this	this	DET
bmra-9917	283	8	study	study	NOUN
bmra-9917	283	9	but	but	CCONJ
bmra-9917	283	10	increase	increase	VERB
bmra-9917	283	11	the	the	DET
bmra-9917	283	12	number	number	NOUN
bmra-9917	283	13	of	of	ADP
bmra-9917	283	14	participants	participant	NOUN
bmra-9917	283	15	and	and	CCONJ
bmra-9917	283	16	expand	expand	VERB
bmra-9917	283	17	the	the	DET
bmra-9917	283	18	geographical	geographical	ADJ
bmra-9917	283	19	range	range	NOUN
bmra-9917	283	20	.	.	PUNCT
bmra-9917	284	1	a	a	DET
bmra-9917	284	2	quantitative	quantitative	ADJ
bmra-9917	284	3	approach	approach	NOUN
bmra-9917	284	4	could	could	AUX
bmra-9917	284	5	show	show	VERB
bmra-9917	284	6	correlations	correlation	NOUN
bmra-9917	284	7	between	between	ADP
bmra-9917	284	8	variables	variable	NOUN
bmra-9917	284	9	,	,	PUNCT
bmra-9917	284	10	such	such	ADJ
bmra-9917	284	11	as	as	ADP
bmra-9917	284	12	business	business	NOUN
bmra-9917	284	13	type	type	NOUN
bmra-9917	284	14	,	,	PUNCT
bmra-9917	284	15	credit	credit	NOUN
bmra-9917	284	16	history	history	NOUN
bmra-9917	284	17	,	,	PUNCT
bmra-9917	284	18	and	and	CCONJ
bmra-9917	284	19	internal	internal	ADJ
bmra-9917	284	20	and	and	CCONJ
bmra-9917	284	21	external	external	ADJ
bmra-9917	284	22	financing	financing	NOUN
bmra-9917	284	23	.	.	PUNCT
bmra-9917	285	1	a	a	DET
bmra-9917	285	2	mixed	mixed	ADJ
bmra-9917	285	3	methods	method	NOUN
bmra-9917	285	4	study	study	NOUN
bmra-9917	285	5	would	would	AUX
bmra-9917	285	6	benefit	benefit	VERB
bmra-9917	285	7	from	from	ADP
bmra-9917	285	8	a	a	DET
bmra-9917	285	9	qualitative	qualitative	ADJ
bmra-9917	285	10	participant	participant	NOUN
bmra-9917	285	11	perspective	perspective	NOUN
bmra-9917	285	12	combined	combine	VERB
bmra-9917	285	13	with	with	ADP
bmra-9917	285	14	quantitative	quantitative	ADJ
bmra-9917	285	15	data	datum	NOUN
bmra-9917	285	16	.	.	PUNCT
bmra-9917	286	1	this	this	DET
bmra-9917	286	2	study	study	NOUN
bmra-9917	286	3	involved	involve	VERB
bmra-9917	286	4	eight	eight	NUM
bmra-9917	286	5	participants	participant	NOUN
bmra-9917	286	6	from	from	ADP
bmra-9917	286	7	diverse	diverse	ADJ
bmra-9917	286	8	industries	industry	NOUN
bmra-9917	286	9	and	and	CCONJ
bmra-9917	286	10	sectors	sector	NOUN
bmra-9917	286	11	,	,	PUNCT
bmra-9917	286	12	and	and	CCONJ
bmra-9917	286	13	the	the	DET
bmra-9917	286	14	sample	sample	NOUN
bmra-9917	286	15	size	size	NOUN
bmra-9917	286	16	and	and	CCONJ
bmra-9917	286	17	composition	composition	NOUN
bmra-9917	286	18	were	be	AUX
bmra-9917	286	19	appropriate	appropriate	ADJ
bmra-9917	286	20	to	to	PART
bmra-9917	286	21	obtain	obtain	VERB
bmra-9917	286	22	different	different	ADJ
bmra-9917	286	23	entrepreneur	entrepreneur	NOUN
bmra-9917	286	24	experiences	experience	NOUN
bmra-9917	286	25	.	.	PUNCT
bmra-9917	287	1	future	future	ADJ
bmra-9917	287	2	researchers	researcher	NOUN
bmra-9917	287	3	may	may	AUX
bmra-9917	287	4	want	want	VERB
bmra-9917	287	5	to	to	PART
bmra-9917	287	6	adopt	adopt	VERB
bmra-9917	287	7	a	a	DET
bmra-9917	287	8	narrower	narrow	ADJ
bmra-9917	287	9	scope	scope	NOUN
bmra-9917	287	10	centered	center	VERB
bmra-9917	287	11	on	on	ADP
bmra-9917	287	12	the	the	DET
bmra-9917	287	13	perspectives	perspective	NOUN
bmra-9917	287	14	of	of	ADP
bmra-9917	287	15	successful	successful	ADJ
bmra-9917	287	16	small	small	ADJ
bmra-9917	287	17	business	business	NOUN
bmra-9917	287	18	owners	owner	NOUN
bmra-9917	287	19	in	in	ADP
bmra-9917	287	20	a	a	DET
bmra-9917	287	21	single	single	ADJ
bmra-9917	287	22	sector	sector	NOUN
bmra-9917	287	23	or	or	CCONJ
bmra-9917	287	24	industry	industry	NOUN
bmra-9917	287	25	.	.	PUNCT
bmra-9917	288	1	focused	focus	VERB
bmra-9917	288	2	studies	study	NOUN
bmra-9917	288	3	could	could	AUX
bmra-9917	288	4	be	be	AUX
bmra-9917	288	5	helpful	helpful	ADJ
bmra-9917	288	6	for	for	ADP
bmra-9917	288	7	industry	industry	NOUN
bmra-9917	288	8	professionals	professional	NOUN
bmra-9917	288	9	and	and	CCONJ
bmra-9917	288	10	organizations	organization	NOUN
bmra-9917	288	11	.	.	PUNCT
bmra-9917	289	1	this	this	DET
bmra-9917	289	2	qualitative	qualitative	ADJ
bmra-9917	289	3	study	study	NOUN
bmra-9917	289	4	focused	focus	VERB
bmra-9917	289	5	on	on	ADP
bmra-9917	289	6	the	the	DET
bmra-9917	289	7	owners	owner	NOUN
bmra-9917	289	8	of	of	ADP
bmra-9917	289	9	successful	successful	ADJ
bmra-9917	289	10	small	small	ADJ
bmra-9917	289	11	businesses	business	NOUN
bmra-9917	289	12	in	in	ADP
bmra-9917	289	13	maryland	maryland	PROPN
bmra-9917	289	14	.	.	PUNCT
bmra-9917	290	1	future	future	ADJ
bmra-9917	290	2	research	research	NOUN
bmra-9917	290	3	should	should	AUX
bmra-9917	290	4	conduct	conduct	VERB
bmra-9917	290	5	a	a	DET
bmra-9917	290	6	similar	similar	ADJ
bmra-9917	290	7	study	study	NOUN
bmra-9917	290	8	in	in	ADP
bmra-9917	290	9	other	other	ADJ
bmra-9917	290	10	states	state	NOUN
bmra-9917	290	11	,	,	PUNCT
bmra-9917	290	12	cities	city	NOUN
bmra-9917	290	13	,	,	PUNCT
bmra-9917	290	14	or	or	CCONJ
bmra-9917	290	15	countries	country	NOUN
bmra-9917	290	16	.	.	PUNCT
bmra-9917	291	1	using	use	VERB
bmra-9917	291	2	participants	participant	NOUN
bmra-9917	291	3	across	across	ADP
bmra-9917	291	4	a	a	DET
bmra-9917	291	5	broader	broader	ADV
bmra-9917	291	6	geographical	geographical	ADJ
bmra-9917	291	7	range	range	NOUN
bmra-9917	291	8	could	could	AUX
bmra-9917	291	9	improve	improve	VERB
bmra-9917	291	10	reliability	reliability	NOUN
bmra-9917	291	11	and	and	CCONJ
bmra-9917	291	12	validity	validity	NOUN
bmra-9917	291	13	.	.	PUNCT
bmra-9917	292	1	references	reference	NOUN
bmra-9917	292	2	ahmad	ahmad	PROPN
bmra-9917	292	3	,	,	PUNCT
bmra-9917	292	4	n.	n.	PROPN
bmra-9917	292	5	,	,	PUNCT
bmra-9917	292	6	iqbal	iqbal	PROPN
bmra-9917	292	7	,	,	PUNCT
bmra-9917	292	8	q.	q.	PROPN
bmra-9917	292	9	,	,	PUNCT
bmra-9917	292	10	&	&	CCONJ
bmra-9917	292	11	halim	halim	PROPN
bmra-9917	292	12	,	,	PUNCT
bmra-9917	292	13	h.	h.	PROPN
bmra-9917	292	14	(	(	PUNCT
bmra-9917	292	15	2020	2020	NUM
bmra-9917	292	16	)	)	PUNCT
bmra-9917	292	17	.	.	PUNCT
bmra-9917	293	1	challenges	challenge	NOUN
bmra-9917	293	2	and	and	CCONJ
bmra-9917	293	3	opportunities	opportunity	NOUN
bmra-9917	293	4	for	for	ADP
bmra-9917	293	5	smes	sme	NOUN
bmra-9917	293	6	in	in	ADP
bmra-9917	293	7	industry	industry	NOUN
bmra-9917	293	8	4.0	4.0	NUM
bmra-9917	293	9	.	.	PUNCT
bmra-9917	294	1	igi	igi	PROPN
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bmra-9917	294	3	.	.	PUNCT
bmra-9917	295	1	ahmed	ahmed	PROPN
bmra-9917	295	2	,	,	PUNCT
bmra-9917	295	3	s.	s.	PROPN
bmra-9917	295	4	(	(	PUNCT
bmra-9917	295	5	2019	2019	NUM
bmra-9917	295	6	)	)	PUNCT
bmra-9917	295	7	.	.	PUNCT
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bmra-9917	296	2	to	to	PART
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bmra-9917	296	5	loans	loan	NOUN
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bmra-9917	296	7	small	small	ADJ
bmra-9917	296	8	and	and	CCONJ
bmra-9917	296	9	medium	medium	ADJ
bmra-9917	296	10	enterprises	enterprise	NOUN
bmra-9917	296	11	in	in	ADP
bmra-9917	296	12	jordan	jordan	PROPN
bmra-9917	296	13	(	(	PUNCT
bmra-9917	296	14	publication	publication	NOUN
bmra-9917	296	15	no	no	INTJ
bmra-9917	296	16	.	.	NOUN
bmra-9917	296	17	27672513	27672513	NUM
bmra-9917	296	18	)	)	PUNCT
bmra-9917	297	1	[	[	X
bmra-9917	297	2	doctoral	doctoral	ADJ
bmra-9917	297	3	dissertation	dissertation	NOUN
bmra-9917	297	4	,	,	PUNCT
bmra-9917	297	5	walden	walden	PROPN
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bmra-9917	298	6	.	.	PUNCT
bmra-9917	298	7	ayandibu	ayandibu	PROPN
bmra-9917	298	8	,	,	PUNCT
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bmra-9917	298	10	o.	o.	PROPN
bmra-9917	298	11	,	,	PUNCT
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bmra-9917	298	18	)	)	PUNCT
bmra-9917	298	19	.	.	PUNCT
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bmra-9917	299	13	(	(	PUNCT
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bmra-9917	299	15	)	)	PUNCT
bmra-9917	299	16	.	.	PUNCT
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bmra-9917	300	8	,	,	PUNCT
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bmra-9917	300	10	)	)	PUNCT
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bmra-9917	300	13	.	.	PUNCT
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bmra-9917	301	2	brooks	brooks	PROPN
bmra-9917	301	3	,	,	PUNCT
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bmra-9917	301	5	(	(	PUNCT
bmra-9917	301	6	2019	2019	NUM
bmra-9917	301	7	)	)	PUNCT
bmra-9917	301	8	.	.	PUNCT
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bmra-9917	302	3	capital	capital	NOUN
bmra-9917	302	4	acquisition	acquisition	NOUN
bmra-9917	302	5	strategies	strategy	NOUN
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bmra-9917	302	7	small	small	ADJ
bmra-9917	302	8	businesses	business	NOUN
bmra-9917	302	9	(	(	PUNCT
bmra-9917	302	10	publication	publication	NOUN
bmra-9917	302	11	no	no	NOUN
bmra-9917	302	12	.	.	NOUN
bmra-9917	302	13	2202868769	2202868769	NUM
bmra-9917	302	14	)	)	PUNCT
bmra-9917	303	1	[	[	X
bmra-9917	303	2	doctoral	doctoral	ADJ
bmra-9917	303	3	dissertation	dissertation	NOUN
bmra-9917	303	4	,	,	PUNCT
bmra-9917	303	5	walden	walden	PROPN
bmra-9917	303	6	university	university	PROPN
bmra-9917	303	7	]	]	PUNCT
bmra-9917	303	8	.	.	PUNCT
bmra-9917	304	1	proquest	proquest	PROPN
bmra-9917	304	2	dissertations	dissertation	NOUN
bmra-9917	304	3	and	and	CCONJ
bmra-9917	304	4	theses	these	VERB
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bmra-9917	304	6	.	.	PUNCT
bmra-9917	305	1	https://www.jbrmr.com/cdn/article_file/i-26_c-262.pdf	https://www.jbrmr.com/cdn/article_file/i-26_c-262.pdf	PROPN
bmra-9917	305	2	business	business	PROPN
bmra-9917	305	3	management	management	NOUN
bmra-9917	305	4	research	research	NOUN
bmra-9917	305	5	and	and	CCONJ
bmra-9917	305	6	applications	application	NOUN
bmra-9917	305	7	:	:	PUNCT
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bmra-9917	305	14	,	,	PUNCT
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bmra-9917	305	16	,	,	PUNCT
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bmra-9917	305	18	-	-	PUNCT
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bmra-9917	305	20	,	,	PUNCT
bmra-9917	305	21	j.	j.	PROPN
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bmra-9917	305	23	,	,	PUNCT
bmra-9917	305	24	&	&	CCONJ
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bmra-9917	305	26	,	,	PUNCT
bmra-9917	305	27	j.	j.	PROPN
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bmra-9917	305	29	(	(	PUNCT
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bmra-9917	305	31	)	)	PUNCT
bmra-9917	305	32	.	.	PUNCT
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bmra-9917	306	7	.	.	PUNCT
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bmra-9917	308	4	.	.	PUNCT
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bmra-9917	309	8	,	,	PUNCT
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bmra-9917	309	12	)	)	PUNCT
bmra-9917	309	13	.	.	PUNCT
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bmra-9917	310	2	constraints	constraint	NOUN
bmra-9917	310	3	and	and	CCONJ
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bmra-9917	310	6	smes	sme	NOUN
bmra-9917	310	7	:	:	PUNCT
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bmra-9917	310	10	canada	canada	PROPN
bmra-9917	310	11	.	.	PUNCT
bmra-9917	311	1	economic	economic	ADJ
bmra-9917	311	2	modelling	modelling	NOUN
bmra-9917	311	3	,	,	PUNCT
bmra-9917	311	4	88	88	NUM
bmra-9917	311	5	,	,	PUNCT
bmra-9917	311	6	163–180	163–180	NUM
bmra-9917	311	7	.	.	PUNCT
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bmra-9917	311	9	cortés	cortés	VERB
bmra-9917	311	10	,	,	PUNCT
bmra-9917	311	11	k.	k.	PROPN
bmra-9917	311	12	r.	r.	PROPN
bmra-9917	311	13	,	,	PUNCT
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bmra-9917	311	21	,	,	PUNCT
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bmra-9917	311	23	,	,	PUNCT
bmra-9917	311	24	e.	e.	PROPN
bmra-9917	311	25	,	,	PUNCT
bmra-9917	311	26	&	&	CCONJ
bmra-9917	311	27	strahan	strahan	PROPN
bmra-9917	311	28	,	,	PUNCT
bmra-9917	311	29	p.	p.	PROPN
bmra-9917	311	30	e.	e.	PROPN
bmra-9917	311	31	(	(	PUNCT
bmra-9917	311	32	2020	2020	NUM
bmra-9917	311	33	)	)	PUNCT
bmra-9917	311	34	.	.	PUNCT
bmra-9917	312	1	stress	stress	NOUN
bmra-9917	312	2	tests	test	NOUN
bmra-9917	312	3	and	and	CCONJ
bmra-9917	312	4	small	small	ADJ
bmra-9917	312	5	business	business	NOUN
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bmra-9917	312	7	.	.	PUNCT
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bmra-9917	313	5	,	,	PUNCT
bmra-9917	313	6	136(1	136(1	NUM
bmra-9917	313	7	)	)	PUNCT
bmra-9917	313	8	,	,	PUNCT
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bmra-9917	313	10	.	.	PUNCT
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bmra-9917	314	13	,	,	PUNCT
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bmra-9917	314	15	(	(	PUNCT
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bmra-9917	314	17	)	)	PUNCT
bmra-9917	314	18	.	.	PUNCT
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bmra-9917	315	4	-	-	PUNCT
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bmra-9917	315	9	:	:	PUNCT
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bmra-9917	315	13	issues	issue	NOUN
bmra-9917	315	14	.	.	PUNCT
bmra-9917	316	1	pakistan	pakistan	PROPN
bmra-9917	316	2	business	business	PROPN
bmra-9917	316	3	review	review	PROPN
bmra-9917	316	4	,	,	PUNCT
bmra-9917	316	5	19(1	19(1	NUM
bmra-9917	316	6	)	)	PUNCT
bmra-9917	316	7	,	,	PUNCT
bmra-9917	316	8	46–70	46–70	NOUN
bmra-9917	316	9	.	.	PUNCT
bmra-9917	317	1	https://tinyurl.com/5xvc5yyw	https://tinyurl.com/5xvc5yyw	PROPN
bmra-9917	317	2	depietro	depietro	PROPN
bmra-9917	317	3	,	,	PUNCT
bmra-9917	317	4	a.	a.	NOUN
bmra-9917	317	5	(	(	PUNCT
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bmra-9917	317	7	,	,	PUNCT
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bmra-9917	317	9	30	30	NUM
bmra-9917	317	10	)	)	PUNCT
bmra-9917	317	11	.	.	PUNCT
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bmra-9917	318	4	on	on	ADP
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bmra-9917	318	8	.	.	PUNCT
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bmra-9917	319	2	.	.	PUNCT
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bmra-9917	320	3	,	,	PUNCT
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bmra-9917	320	6	2020	2020	NUM
bmra-9917	320	7	,	,	PUNCT
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bmra-9917	320	11	.	.	PUNCT
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bmra-9917	321	5	.	.	PUNCT
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bmra-9917	323	8	:	:	PUNCT
bmra-9917	323	9	an	an	DET
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bmra-9917	323	16	programmes	programme	NOUN
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bmra-9917	324	1	journal	journal	NOUN
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bmra-9917	324	7	,	,	PUNCT
bmra-9917	324	8	14(1	14(1	NUM
bmra-9917	324	9	)	)	PUNCT
bmra-9917	324	10	,	,	PUNCT
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bmra-9917	324	13	.	.	PUNCT
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bmra-9917	325	3	,	,	PUNCT
bmra-9917	325	4	r.	r.	PROPN
bmra-9917	325	5	(	(	PUNCT
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bmra-9917	325	7	)	)	PUNCT
bmra-9917	325	8	.	.	PUNCT
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bmra-9917	326	12	.	.	PUNCT
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bmra-9917	327	7	.	.	PUNCT
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bmra-9917	328	4	.	.	PUNCT
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bmra-9917	329	6	zhang	zhang	PROPN
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bmra-9917	329	8	l.	l.	PROPN
bmra-9917	329	9	,	,	PUNCT
bmra-9917	329	10	li	li	PROPN
bmra-9917	329	11	,	,	PUNCT
bmra-9917	329	12	z.	z.	PROPN
bmra-9917	329	13	,	,	PUNCT
bmra-9917	329	14	qiu	qiu	PROPN
bmra-9917	329	15	,	,	PUNCT
bmra-9917	329	16	h.	h.	PROPN
bmra-9917	329	17	,	,	PUNCT
bmra-9917	329	18	sun	sun	PROPN
bmra-9917	329	19	,	,	PUNCT
bmra-9917	329	20	t.	t.	PROPN
bmra-9917	329	21	,	,	PUNCT
bmra-9917	329	22	&	&	CCONJ
bmra-9917	329	23	wang	wang	PROPN
bmra-9917	329	24	,	,	PUNCT
bmra-9917	329	25	x.	x.	NOUN
bmra-9917	329	26	(	(	PUNCT
bmra-9917	329	27	2020	2020	NUM
bmra-9917	329	28	)	)	PUNCT
bmra-9917	329	29	.	.	PUNCT
bmra-9917	330	1	fintech	fintech	NOUN
bmra-9917	330	2	credit	credit	NOUN
bmra-9917	330	3	risk	risk	NOUN
bmra-9917	330	4	assessment	assessment	NOUN
bmra-9917	330	5	for	for	ADP
bmra-9917	330	6	smes	sme	NOUN
bmra-9917	330	7	(	(	PUNCT
bmra-9917	330	8	imf	imf	PROPN
bmra-9917	330	9	working	working	PROPN
bmra-9917	330	10	paper	paper	NOUN
bmra-9917	330	11	wp/20/193	wp/20/193	NOUN
bmra-9917	330	12	)	)	PUNCT
bmra-9917	330	13	.	.	PUNCT
bmra-9917	331	1	international	international	ADJ
bmra-9917	331	2	monetary	monetary	ADJ
bmra-9917	331	3	fund	fund	PROPN
bmra-9917	331	4	.	.	PUNCT
bmra-9917	332	1	https://doi.org/10.5089/9781513557618.001	https://doi.org/10.5089/9781513557618.001	PROPN
bmra-9917	332	2	humphries	humphries	PROPN
bmra-9917	332	3	,	,	PUNCT
bmra-9917	332	4	j.	j.	PROPN
bmra-9917	332	5	e.	e.	PROPN
bmra-9917	332	6	,	,	PUNCT
bmra-9917	332	7	neilson	neilson	PROPN
bmra-9917	332	8	,	,	PUNCT
bmra-9917	332	9	c.	c.	PROPN
bmra-9917	332	10	,	,	PUNCT
bmra-9917	332	11	&	&	CCONJ
bmra-9917	332	12	ulyssea	ulyssea	PROPN
bmra-9917	332	13	,	,	PUNCT
bmra-9917	332	14	g.	g.	PROPN
bmra-9917	332	15	(	(	PUNCT
bmra-9917	332	16	2020	2020	NUM
bmra-9917	332	17	,	,	PUNCT
bmra-9917	332	18	april	april	PROPN
bmra-9917	332	19	)	)	PUNCT
bmra-9917	332	20	.	.	PUNCT
bmra-9917	333	1	the	the	DET
bmra-9917	333	2	evolving	evolve	VERB
bmra-9917	333	3	impacts	impact	NOUN
bmra-9917	333	4	of	of	ADP
bmra-9917	333	5	covid-19	covid-19	PROPN
bmra-9917	333	6	on	on	ADP
bmra-9917	333	7	small	small	ADJ
bmra-9917	333	8	businesses	business	NOUN
bmra-9917	333	9	since	since	SCONJ
bmra-9917	333	10	the	the	DET
bmra-9917	333	11	cares	care	NOUN
bmra-9917	333	12	act	act	PROPN
bmra-9917	333	13	(	(	PUNCT
bmra-9917	333	14	cowles	cowles	PROPN
bmra-9917	333	15	foundation	foundation	PROPN
bmra-9917	333	16	discussion	discussion	PROPN
bmra-9917	333	17	paper	paper	NOUN
bmra-9917	333	18	no	no	NOUN
bmra-9917	333	19	.	.	PROPN
bmra-9917	333	20	2230	2230	NUM
bmra-9917	333	21	)	)	PUNCT
bmra-9917	333	22	.	.	PUNCT
bmra-9917	334	1	https://cowles.yale.edu/sites/default/files/files/pub/d22/d2230.pdf	https://cowles.yale.edu/sites/default/files/files/pub/d22/d2230.pdf	PRON
bmra-9917	334	2	kalemli	kalemli	NOUN
bmra-9917	334	3	-	-	PUNCT
bmra-9917	334	4	ozcan	ozcan	ADJ
bmra-9917	334	5	,	,	PUNCT
bmra-9917	334	6	s.	s.	PROPN
bmra-9917	334	7	,	,	PUNCT
bmra-9917	334	8	gourinchas	gourinchas	PROPN
bmra-9917	334	9	,	,	PUNCT
bmra-9917	334	10	p.	p.	PROPN
bmra-9917	334	11	,	,	PUNCT
bmra-9917	334	12	penciakova	penciakova	PROPN
bmra-9917	334	13	,	,	PUNCT
bmra-9917	334	14	v.	v.	ADV
bmra-9917	334	15	,	,	PUNCT
bmra-9917	334	16	&	&	CCONJ
bmra-9917	334	17	sander	sander	PROPN
bmra-9917	334	18	,	,	PUNCT
bmra-9917	334	19	n.	n.	NOUN
bmra-9917	334	20	(	(	PUNCT
bmra-9917	334	21	2020	2020	NUM
bmra-9917	334	22	)	)	PUNCT
bmra-9917	334	23	.	.	PUNCT
bmra-9917	335	1	covid-19	covid-19	PROPN
bmra-9917	335	2	and	and	CCONJ
bmra-9917	335	3	sme	sme	NOUN
bmra-9917	335	4	failures	failure	NOUN
bmra-9917	335	5	.	.	PUNCT
bmra-9917	336	1	imf	imf	PROPN
bmra-9917	336	2	working	working	PROPN
bmra-9917	336	3	papers	paper	NOUN
bmra-9917	336	4	,	,	PUNCT
bmra-9917	336	5	20(207	20(207	NOUN
bmra-9917	336	6	)	)	PUNCT
bmra-9917	336	7	.	.	PUNCT
bmra-9917	337	1	https://doi.org/10.5089/9781513557748.001	https://doi.org/10.5089/9781513557748.001	PROPN
bmra-9917	337	2	kindström	kindström	PROPN
bmra-9917	337	3	,	,	PUNCT
bmra-9917	337	4	d.	d.	PROPN
bmra-9917	337	5	,	,	PUNCT
bmra-9917	337	6	carlborg	carlborg	NOUN
bmra-9917	337	7	,	,	PUNCT
bmra-9917	337	8	p.	p.	PROPN
bmra-9917	337	9	,	,	PUNCT
bmra-9917	337	10	&	&	CCONJ
bmra-9917	337	11	nord	nord	PROPN
bmra-9917	337	12	,	,	PUNCT
bmra-9917	337	13	t.	t.	PROPN
bmra-9917	337	14	(	(	PUNCT
bmra-9917	337	15	2024	2024	NUM
bmra-9917	337	16	)	)	PUNCT
bmra-9917	337	17	.	.	PUNCT
bmra-9917	338	1	challenges	challenge	NOUN
bmra-9917	338	2	for	for	ADP
bmra-9917	338	3	growing	grow	VERB
bmra-9917	338	4	smes	sme	NOUN
bmra-9917	338	5	:	:	PUNCT
bmra-9917	338	6	a	a	DET
bmra-9917	338	7	managerial	managerial	ADJ
bmra-9917	338	8	perspective	perspective	NOUN
bmra-9917	338	9	.	.	PUNCT
bmra-9917	339	1	journal	journal	NOUN
bmra-9917	339	2	of	of	ADP
bmra-9917	339	3	small	small	ADJ
bmra-9917	339	4	business	business	NOUN
bmra-9917	339	5	management	management	NOUN
bmra-9917	339	6	,	,	PUNCT
bmra-9917	339	7	62(2	62(2	NOUN
bmra-9917	339	8	)	)	PUNCT
bmra-9917	339	9	,	,	PUNCT
bmra-9917	339	10	700–723	700–723	NUM
bmra-9917	339	11	.	.	PUNCT
bmra-9917	340	1	https://doi.org/10.1080/00472778.2022.2082456	https://doi.org/10.1080/00472778.2022.2082456	PROPN
bmra-9917	340	2	kumar	kumar	PROPN
bmra-9917	340	3	,	,	PUNCT
bmra-9917	340	4	a.	a.	PROPN
bmra-9917	340	5	,	,	PUNCT
bmra-9917	340	6	&	&	CCONJ
bmra-9917	340	7	francisco	francisco	PROPN
bmra-9917	340	8	,	,	PUNCT
bmra-9917	340	9	m.	m.	NOUN
bmra-9917	340	10	(	(	PUNCT
bmra-9917	340	11	2005	2005	NUM
bmra-9917	340	12	)	)	PUNCT
bmra-9917	340	13	.	.	PUNCT
bmra-9917	341	1	enterprise	enterprise	NOUN
bmra-9917	341	2	size	size	NOUN
bmra-9917	341	3	,	,	PUNCT
bmra-9917	341	4	financing	financing	NOUN
bmra-9917	341	5	patterns	pattern	NOUN
bmra-9917	341	6	,	,	PUNCT
bmra-9917	341	7	and	and	CCONJ
bmra-9917	341	8	credit	credit	NOUN
bmra-9917	341	9	constraints	constraint	NOUN
bmra-9917	341	10	in	in	ADP
bmra-9917	341	11	brazil	brazil	PROPN
bmra-9917	341	12	:	:	PUNCT
bmra-9917	341	13	analysis	analysis	NOUN
bmra-9917	341	14	of	of	ADP
bmra-9917	341	15	data	datum	NOUN
bmra-9917	341	16	from	from	ADP
bmra-9917	341	17	the	the	DET
bmra-9917	341	18	investment	investment	NOUN
bmra-9917	341	19	climate	climate	NOUN
bmra-9917	341	20	assessment	assessment	NOUN
bmra-9917	341	21	survey	survey	NOUN
bmra-9917	341	22	(	(	PUNCT
bmra-9917	341	23	vol	vol	NOUN
bmra-9917	341	24	.	.	PROPN
bmra-9917	341	25	6	6	NUM
bmra-9917	341	26	)	)	PUNCT
bmra-9917	341	27	.	.	PUNCT
bmra-9917	342	1	world	world	PROPN
bmra-9917	342	2	bank	bank	PROPN
bmra-9917	342	3	publications	publication	NOUN
bmra-9917	342	4	.	.	PUNCT
bmra-9917	343	1	lattacher	lattacher	PROPN
bmra-9917	343	2	,	,	PUNCT
bmra-9917	343	3	w.	w.	PROPN
bmra-9917	343	4	,	,	PUNCT
bmra-9917	343	5	&	&	CCONJ
bmra-9917	343	6	wdowiak	wdowiak	PROPN
bmra-9917	343	7	,	,	PUNCT
bmra-9917	343	8	m.	m.	NOUN
bmra-9917	343	9	a.	a.	NOUN
bmra-9917	343	10	(	(	PUNCT
bmra-9917	343	11	2020	2020	NUM
bmra-9917	343	12	)	)	PUNCT
bmra-9917	343	13	.	.	PUNCT
bmra-9917	344	1	entrepreneurial	entrepreneurial	ADJ
bmra-9917	344	2	learning	learning	NOUN
bmra-9917	344	3	from	from	ADP
bmra-9917	344	4	failure	failure	NOUN
bmra-9917	344	5	.	.	PUNCT
bmra-9917	345	1	a	a	DET
bmra-9917	345	2	systematic	systematic	ADJ
bmra-9917	345	3	review	review	NOUN
bmra-9917	345	4	.	.	PUNCT
bmra-9917	346	1	international	international	ADJ
bmra-9917	346	2	journal	journal	PROPN
bmra-9917	346	3	of	of	ADP
bmra-9917	346	4	entrepreneurial	entrepreneurial	ADJ
bmra-9917	346	5	behavior	behavior	NOUN
bmra-9917	346	6	&	&	CCONJ
bmra-9917	346	7	research	research	PROPN
bmra-9917	346	8	,	,	PUNCT
bmra-9917	346	9	26(5	26(5	NUM
bmra-9917	346	10	)	)	PUNCT
bmra-9917	346	11	,	,	PUNCT
bmra-9917	346	12	1093	1093	NUM
bmra-9917	346	13	–	–	PUNCT
bmra-9917	346	14	1131	1131	NUM
bmra-9917	346	15	.	.	PUNCT
bmra-9917	347	1	https://doi.org/10.1108/ijebr-02-2019-0085	https://doi.org/10.1108/ijebr-02-2019-0085	PROPN
bmra-9917	347	2	malesios	malesios	PROPN
bmra-9917	347	3	,	,	PUNCT
bmra-9917	347	4	c.	c.	PROPN
bmra-9917	347	5	,	,	PUNCT
bmra-9917	347	6	de	de	PROPN
bmra-9917	347	7	,	,	PUNCT
bmra-9917	347	8	d.	d.	PROPN
bmra-9917	347	9	,	,	PUNCT
bmra-9917	347	10	moursellas	moursellas	PROPN
bmra-9917	347	11	,	,	PUNCT
bmra-9917	347	12	a.	a.	NOUN
bmra-9917	347	13	,	,	PUNCT
bmra-9917	347	14	dey	dey	PROPN
bmra-9917	347	15	,	,	PUNCT
bmra-9917	347	16	p.	p.	PROPN
bmra-9917	347	17	k.	k.	PROPN
bmra-9917	347	18	,	,	PUNCT
bmra-9917	347	19	&	&	CCONJ
bmra-9917	347	20	evangelinos	evangelinos	PROPN
bmra-9917	347	21	,	,	PUNCT
bmra-9917	347	22	k.	k.	PROPN
bmra-9917	347	23	(	(	PUNCT
bmra-9917	347	24	2021	2021	NUM
bmra-9917	347	25	)	)	PUNCT
bmra-9917	347	26	.	.	PUNCT
bmra-9917	348	1	sustainability	sustainability	NOUN
bmra-9917	348	2	performance	performance	NOUN
bmra-9917	348	3	analysis	analysis	NOUN
bmra-9917	348	4	of	of	ADP
bmra-9917	348	5	small	small	ADJ
bmra-9917	348	6	and	and	CCONJ
bmra-9917	348	7	medium	medium	ADJ
bmra-9917	348	8	sized	sized	ADJ
bmra-9917	348	9	enterprises	enterprise	NOUN
bmra-9917	348	10	:	:	PUNCT
bmra-9917	348	11	criteria	criterion	NOUN
bmra-9917	348	12	,	,	PUNCT
bmra-9917	348	13	methods	method	NOUN
bmra-9917	348	14	and	and	CCONJ
bmra-9917	348	15	framework	framework	NOUN
bmra-9917	348	16	.	.	PUNCT
bmra-9917	349	1	socio	socio	NOUN
bmra-9917	349	2	-	-	PUNCT
bmra-9917	349	3	economic	economic	ADJ
bmra-9917	349	4	planning	planning	NOUN
bmra-9917	349	5	sciences	science	NOUN
bmra-9917	349	6	,	,	PUNCT
bmra-9917	349	7	75	75	NUM
bmra-9917	349	8	,	,	PUNCT
bmra-9917	349	9	article	article	NOUN
bmra-9917	349	10	100993	100993	NUM
bmra-9917	349	11	.	.	PUNCT
bmra-9917	350	1	https://doi.org/10.1016/j.seps.2020.100993	https://doi.org/10.1016/j.seps.2020.100993	NOUN
bmra-9917	350	2	https://doi.org/10.1007/s11187-021-00587-1	https://doi.org/10.1007/s11187-021-00587-1	VERB
bmra-9917	350	3	https://doi.org/10.1016/j.econmod.2019.09.018	https://doi.org/10.1016/j.econmod.2019.09.018	PROPN
bmra-9917	350	4	https://doi.org/10.1016/j.jfineco.2019.08.008	https://doi.org/10.1016/j.jfineco.2019.08.008	NUM
bmra-9917	350	5	https://tinyurl.com/5xvc5yyw	https://tinyurl.com/5xvc5yyw	VERB
bmra-9917	350	6	https://www.forbes.com/sites/andrewdepietro/2020/03/30/covid-19-business-lines-of-credit/	https://www.forbes.com/sites/andrewdepietro/2020/03/30/covid-19-business-lines-of-credit/	X
bmra-9917	350	7	https://www.forbes.com/sites/andrewdepietro/2020/03/30/covid-19-business-lines-of-credit/	https://www.forbes.com/sites/andrewdepietro/2020/03/30/covid-19-business-lines-of-credit/	INTJ
bmra-9917	350	8	https://www.forbes.com/sites/williamdunkelberg/2020/04/23/covid-19-small-business-loans/?sh=d1411a07bec8	https://www.forbes.com/sites/williamdunkelberg/2020/04/23/covid-19-small-business-loans/?sh=d1411a07bec8	NOUN
bmra-9917	350	9	https://www.forbes.com/sites/williamdunkelberg/2020/04/23/covid-19-small-business-loans/?sh=d1411a07bec8	https://www.forbes.com/sites/williamdunkelberg/2020/04/23/covid-19-small-business-loans/?sh=d1411a07bec8	NOUN
bmra-9917	350	10	https://doi.org/10.3390/jrfm14010010	https://doi.org/10.3390/jrfm14010010	NOUN
bmra-9917	350	11	about	about	ADP
bmra-9917	350	12	:	:	PUNCT
bmra-9917	350	13	blank	blank	PROPN
bmra-9917	350	14	https://doi.org/10.5089/9781513557618.001	https://doi.org/10.5089/9781513557618.001	PROPN
bmra-9917	350	15	https://cowles.yale.edu/sites/default/files/files/pub/d22/d2230.pdf	https://cowles.yale.edu/sites/default/files/files/pub/d22/d2230.pdf	NOUN
bmra-9917	350	16	https://doi.org/10.5089/9781513557748.001	https://doi.org/10.5089/9781513557748.001	PROPN
bmra-9917	350	17	https://doi.org/10.1080/00472778.2022.2082456	https://doi.org/10.1080/00472778.2022.2082456	PROPN
bmra-9917	350	18	https://doi.org/10.1108/ijebr-02-2019-0085	https://doi.org/10.1108/ijebr-02-2019-0085	PROPN
bmra-9917	350	19	https://doi.org/10.1016/j.seps.2020.100993	https://doi.org/10.1016/j.seps.2020.100993	PROPN
bmra-9917	350	20	june	june	PROPN
bmra-9917	350	21	2025	2025	NUM
bmra-9917	350	22	|	|	ADV
bmra-9917	350	23	volume	volume	NOUN
bmra-9917	350	24	4	4	NUM
bmra-9917	350	25	,	,	PUNCT
bmra-9917	350	26	number	number	NOUN
bmra-9917	350	27	2	2	NUM
bmra-9917	350	28	14	14	NUM
bmra-9917	350	29	maryland	maryland	PROPN
bmra-9917	350	30	department	department	PROPN
bmra-9917	350	31	of	of	ADP
bmra-9917	350	32	commerce	commerce	PROPN
bmra-9917	350	33	.	.	PUNCT
bmra-9917	351	1	(	(	PUNCT
bmra-9917	351	2	2021	2021	NUM
bmra-9917	351	3	)	)	PUNCT
bmra-9917	351	4	.	.	PUNCT
bmra-9917	352	1	maryland	maryland	PROPN
bmra-9917	352	2	small	small	PROPN
bmra-9917	352	3	business	business	PROPN
bmra-9917	352	4	development	development	NOUN
bmra-9917	352	5	financing	financing	NOUN
bmra-9917	352	6	authority	authority	NOUN
bmra-9917	352	7	(	(	PUNCT
bmra-9917	352	8	msddfa	msddfa	PROPN
bmra-9917	352	9	)	)	PUNCT
bmra-9917	352	10	.	.	PUNCT
bmra-9917	353	1	http://commerce.maryland.gov/fund/programs-forbusinesses/msbdfa	http://commerce.maryland.gov/fund/programs-forbusinesses/msbdfa	NUM
bmra-9917	353	2	mazzarol	mazzarol	NOUN
bmra-9917	353	3	,	,	PUNCT
bmra-9917	353	4	t.	t.	PROPN
bmra-9917	353	5	,	,	PUNCT
bmra-9917	353	6	&	&	CCONJ
bmra-9917	353	7	reboud	reboud	PROPN
bmra-9917	353	8	,	,	PUNCT
bmra-9917	353	9	s.	s.	PROPN
bmra-9917	353	10	(	(	PUNCT
bmra-9917	353	11	2020	2020	NUM
bmra-9917	353	12	)	)	PUNCT
bmra-9917	353	13	.	.	PUNCT
bmra-9917	354	1	workbook	workbook	NOUN
bmra-9917	354	2	for	for	ADP
bmra-9917	354	3	small	small	ADJ
bmra-9917	354	4	business	business	NOUN
bmra-9917	354	5	management	management	NOUN
bmra-9917	354	6	:	:	PUNCT
bmra-9917	354	7	theory	theory	NOUN
bmra-9917	354	8	and	and	CCONJ
bmra-9917	354	9	practice	practice	NOUN
bmra-9917	354	10	.	.	PUNCT
bmra-9917	355	1	springer	springer	NOUN
bmra-9917	355	2	.	.	PUNCT
bmra-9917	356	1	mills	mill	NOUN
bmra-9917	356	2	,	,	PUNCT
bmra-9917	356	3	k.	k.	PROPN
bmra-9917	356	4	g.	g.	PROPN
bmra-9917	356	5	(	(	PUNCT
bmra-9917	356	6	2018	2018	NUM
bmra-9917	356	7	)	)	PUNCT
bmra-9917	356	8	.	.	PUNCT
bmra-9917	357	1	fintech	fintech	NOUN
bmra-9917	357	2	,	,	PUNCT
bmra-9917	357	3	small	small	ADJ
bmra-9917	357	4	business	business	NOUN
bmra-9917	357	5	&	&	CCONJ
bmra-9917	357	6	the	the	DET
bmra-9917	357	7	american	american	PROPN
bmra-9917	357	8	dream	dream	NOUN
bmra-9917	357	9	:	:	PUNCT
bmra-9917	357	10	how	how	SCONJ
bmra-9917	357	11	technology	technology	NOUN
bmra-9917	357	12	is	be	AUX
bmra-9917	357	13	transforming	transform	VERB
bmra-9917	357	14	lending	lending	NOUN
bmra-9917	357	15	and	and	CCONJ
bmra-9917	357	16	shaping	shape	VERB
bmra-9917	357	17	a	a	DET
bmra-9917	357	18	new	new	ADJ
bmra-9917	357	19	era	era	NOUN
bmra-9917	357	20	of	of	ADP
bmra-9917	357	21	small	small	ADJ
bmra-9917	357	22	business	business	NOUN
bmra-9917	357	23	opportunity	opportunity	NOUN
bmra-9917	357	24	.	.	PUNCT
bmra-9917	358	1	springer	springer	NOUN
bmra-9917	358	2	.	.	PUNCT
bmra-9917	359	1	mittal	mittal	PROPN
bmra-9917	359	2	,	,	PUNCT
bmra-9917	359	3	v.	v.	PROPN
bmra-9917	359	4	,	,	PUNCT
bmra-9917	359	5	&	&	CCONJ
bmra-9917	359	6	raman	raman	NOUN
bmra-9917	359	7	,	,	PUNCT
bmra-9917	359	8	t.	t.	PROPN
bmra-9917	359	9	v.	v.	PROPN
bmra-9917	359	10	(	(	PUNCT
bmra-9917	359	11	2020	2020	NUM
bmra-9917	359	12	)	)	PUNCT
bmra-9917	359	13	.	.	PUNCT
bmra-9917	360	1	financing	financing	NOUN
bmra-9917	360	2	preferences	preference	NOUN
bmra-9917	360	3	of	of	ADP
bmra-9917	360	4	micro	micro	NOUN
bmra-9917	360	5	,	,	PUNCT
bmra-9917	360	6	small	small	ADJ
bmra-9917	360	7	and	and	CCONJ
bmra-9917	360	8	medium	medium	ADJ
bmra-9917	360	9	enterprises	enterprise	NOUN
bmra-9917	360	10	—	—	PUNCT
bmra-9917	360	11	does	do	AUX
bmra-9917	360	12	pecking	pecking	NOUN
bmra-9917	360	13	order	order	NOUN
bmra-9917	360	14	theory	theory	NOUN
bmra-9917	360	15	explain	explain	VERB
bmra-9917	360	16	?	?	PUNCT
bmra-9917	361	1	pacific	pacific	PROPN
bmra-9917	361	2	business	business	PROPN
bmra-9917	361	3	review	review	NOUN
bmra-9917	361	4	international	international	ADJ
bmra-9917	361	5	,	,	PUNCT
bmra-9917	361	6	13(5	13(5	NUM
bmra-9917	361	7	)	)	PUNCT
bmra-9917	361	8	,	,	PUNCT
bmra-9917	361	9	6–13	6–13	NOUN
bmra-9917	361	10	.	.	PUNCT
bmra-9917	362	1	myers	myers	PROPN
bmra-9917	362	2	,	,	PUNCT
bmra-9917	362	3	s.	s.	PROPN
bmra-9917	362	4	c.	c.	PROPN
bmra-9917	362	5	,	,	PUNCT
bmra-9917	362	6	&	&	CCONJ
bmra-9917	362	7	majluf	majluf	PROPN
bmra-9917	362	8	,	,	PUNCT
bmra-9917	362	9	n.	n.	PROPN
bmra-9917	362	10	s.	s.	PROPN
bmra-9917	362	11	(	(	PUNCT
bmra-9917	362	12	1984	1984	NUM
bmra-9917	362	13	)	)	PUNCT
bmra-9917	362	14	.	.	PUNCT
bmra-9917	363	1	corporate	corporate	ADJ
bmra-9917	363	2	financing	financing	NOUN
bmra-9917	363	3	and	and	CCONJ
bmra-9917	363	4	investment	investment	NOUN
bmra-9917	363	5	decisions	decision	NOUN
bmra-9917	363	6	when	when	SCONJ
bmra-9917	363	7	firms	firm	NOUN
bmra-9917	363	8	have	have	VERB
bmra-9917	363	9	information	information	NOUN
bmra-9917	363	10	that	that	SCONJ
bmra-9917	363	11	investors	investor	NOUN
bmra-9917	363	12	do	do	AUX
bmra-9917	363	13	not	not	PART
bmra-9917	363	14	have	have	VERB
bmra-9917	363	15	.	.	PUNCT
bmra-9917	364	1	journal	journal	NOUN
bmra-9917	364	2	of	of	ADP
bmra-9917	364	3	financial	financial	ADJ
bmra-9917	364	4	economics	economic	NOUN
bmra-9917	364	5	,	,	PUNCT
bmra-9917	364	6	13(2	13(2	PROPN
bmra-9917	364	7	)	)	PUNCT
bmra-9917	364	8	,	,	PUNCT
bmra-9917	364	9	187	187	NUM
bmra-9917	364	10	–	–	PUNCT
bmra-9917	364	11	221	221	NUM
bmra-9917	364	12	.	.	PUNCT
bmra-9917	365	1	https://doi.org/10.1016/0304-405x(84)90023-0	https://doi.org/10.1016/0304-405x(84)90023-0	PROPN
bmra-9917	365	2	nkwabi	nkwabi	NOUN
bmra-9917	365	3	,	,	PUNCT
bmra-9917	365	4	j.	j.	PROPN
bmra-9917	365	5	,	,	PUNCT
bmra-9917	365	6	&	&	CCONJ
bmra-9917	365	7	mboya	mboya	PROPN
bmra-9917	365	8	,	,	PUNCT
bmra-9917	365	9	l.	l.	PROPN
bmra-9917	365	10	(	(	PUNCT
bmra-9917	365	11	2019	2019	NUM
bmra-9917	365	12	)	)	PUNCT
bmra-9917	365	13	.	.	PUNCT
bmra-9917	366	1	a	a	DET
bmra-9917	366	2	review	review	NOUN
bmra-9917	366	3	of	of	ADP
bmra-9917	366	4	factors	factor	NOUN
bmra-9917	366	5	affecting	affect	VERB
bmra-9917	366	6	the	the	DET
bmra-9917	366	7	growth	growth	NOUN
bmra-9917	366	8	of	of	ADP
bmra-9917	366	9	small	small	ADJ
bmra-9917	366	10	and	and	CCONJ
bmra-9917	366	11	medium	medium	ADJ
bmra-9917	366	12	enterprises	enterprise	NOUN
bmra-9917	366	13	(	(	PUNCT
bmra-9917	366	14	smes	sme	NOUN
bmra-9917	366	15	)	)	PUNCT
bmra-9917	366	16	in	in	ADP
bmra-9917	366	17	tanzania	tanzania	PROPN
bmra-9917	366	18	.	.	PUNCT
bmra-9917	367	1	european	european	PROPN
bmra-9917	367	2	journal	journal	PROPN
bmra-9917	367	3	of	of	ADP
bmra-9917	367	4	business	business	NOUN
bmra-9917	367	5	and	and	CCONJ
bmra-9917	367	6	management	management	NOUN
bmra-9917	367	7	,	,	PUNCT
bmra-9917	367	8	11(33	11(33	NUM
bmra-9917	367	9	)	)	PUNCT
bmra-9917	367	10	,	,	PUNCT
bmra-9917	367	11	1–8	1–8	X
bmra-9917	367	12	.	.	PUNCT
bmra-9917	367	13	https://tinyurl.com/4zxc72j9	https://tinyurl.com/4zxc72j9	PROPN
bmra-9917	367	14	rao	rao	PROPN
bmra-9917	367	15	,	,	PUNCT
bmra-9917	367	16	p.	p.	PROPN
bmra-9917	367	17	,	,	PUNCT
bmra-9917	367	18	kumar	kumar	PROPN
bmra-9917	367	19	,	,	PUNCT
bmra-9917	367	20	s.	s.	PROPN
bmra-9917	367	21	,	,	PUNCT
bmra-9917	367	22	&	&	CCONJ
bmra-9917	367	23	madhavan	madhavan	PROPN
bmra-9917	367	24	,	,	PUNCT
bmra-9917	367	25	v.	v.	PROPN
bmra-9917	367	26	(	(	PUNCT
bmra-9917	367	27	2019	2019	NUM
bmra-9917	367	28	)	)	PUNCT
bmra-9917	367	29	.	.	PUNCT
bmra-9917	368	1	a	a	DET
bmra-9917	368	2	study	study	NOUN
bmra-9917	368	3	on	on	ADP
bmra-9917	368	4	factors	factor	NOUN
bmra-9917	368	5	driving	drive	VERB
bmra-9917	368	6	the	the	DET
bmra-9917	368	7	capital	capital	NOUN
bmra-9917	368	8	structure	structure	NOUN
bmra-9917	368	9	decisions	decision	NOUN
bmra-9917	368	10	of	of	ADP
bmra-9917	368	11	small	small	ADJ
bmra-9917	368	12	and	and	CCONJ
bmra-9917	368	13	medium	medium	ADJ
bmra-9917	368	14	enterprises	enterprise	NOUN
bmra-9917	368	15	(	(	PUNCT
bmra-9917	368	16	smes	sme	NOUN
bmra-9917	368	17	)	)	PUNCT
bmra-9917	368	18	in	in	ADP
bmra-9917	368	19	india	india	PROPN
bmra-9917	368	20	.	.	PUNCT
bmra-9917	369	1	iimb	iimb	PROPN
bmra-9917	369	2	management	management	PROPN
bmra-9917	369	3	review	review	PROPN
bmra-9917	369	4	,	,	PUNCT
bmra-9917	369	5	31(1	31(1	NUM
bmra-9917	369	6	)	)	PUNCT
bmra-9917	369	7	,	,	PUNCT
bmra-9917	369	8	37–50	37–50	NUM
bmra-9917	369	9	.	.	PUNCT
bmra-9917	370	1	https://doi.org/10.1016/j.iimb.2018.08.010	https://doi.org/10.1016/j.iimb.2018.08.010	PROPN
bmra-9917	370	2	ribeiro	ribeiro	PROPN
bmra-9917	370	3	-	-	PUNCT
bmra-9917	370	4	soriano	soriano	PROPN
bmra-9917	370	5	,	,	PUNCT
bmra-9917	370	6	d.	d.	PROPN
bmra-9917	370	7	(	(	PUNCT
bmra-9917	370	8	2017	2017	NUM
bmra-9917	370	9	)	)	PUNCT
bmra-9917	370	10	.	.	PUNCT
bmra-9917	371	1	small	small	ADJ
bmra-9917	371	2	business	business	NOUN
bmra-9917	371	3	and	and	CCONJ
bmra-9917	371	4	entrepreneurship	entrepreneurship	NOUN
bmra-9917	371	5	:	:	PUNCT
bmra-9917	371	6	their	their	PRON
bmra-9917	371	7	role	role	NOUN
bmra-9917	371	8	in	in	ADP
bmra-9917	371	9	economic	economic	ADJ
bmra-9917	371	10	and	and	CCONJ
bmra-9917	371	11	social	social	ADJ
bmra-9917	371	12	development	development	NOUN
bmra-9917	371	13	.	.	PUNCT
bmra-9917	372	1	entrepreneurship	entrepreneurship	NOUN
bmra-9917	372	2	&	&	CCONJ
bmra-9917	372	3	regional	regional	ADJ
bmra-9917	372	4	development	development	PROPN
bmra-9917	372	5	,	,	PUNCT
bmra-9917	372	6	29(1–2	29(1–2	PROPN
bmra-9917	372	7	)	)	PUNCT
bmra-9917	372	8	,	,	PUNCT
bmra-9917	372	9	1–3	1–3	NOUN
bmra-9917	372	10	.	.	PUNCT
bmra-9917	373	1	https://doi.org/10.1080/08985626.2016.1255438	https://doi.org/10.1080/08985626.2016.1255438	PROPN
bmra-9917	373	2	roy	roy	PROPN
bmra-9917	373	3	,	,	PUNCT
bmra-9917	373	4	p.	p.	PROPN
bmra-9917	373	5	k.	k.	PROPN
bmra-9917	373	6	,	,	PUNCT
bmra-9917	373	7	&	&	CCONJ
bmra-9917	373	8	shaw	shaw	PROPN
bmra-9917	373	9	,	,	PUNCT
bmra-9917	373	10	k.	k.	PROPN
bmra-9917	373	11	(	(	PUNCT
bmra-9917	373	12	2021	2021	NUM
bmra-9917	373	13	)	)	PUNCT
bmra-9917	373	14	.	.	PUNCT
bmra-9917	374	1	a	a	DET
bmra-9917	374	2	multicriteria	multicriteria	PROPN
bmra-9917	374	3	credit	credit	NOUN
bmra-9917	374	4	scoring	scoring	NOUN
bmra-9917	374	5	model	model	NOUN
bmra-9917	374	6	for	for	ADP
bmra-9917	374	7	smes	sme	NOUN
bmra-9917	374	8	using	use	VERB
bmra-9917	374	9	hybrid	hybrid	ADJ
bmra-9917	374	10	bwm	bwm	NOUN
bmra-9917	374	11	and	and	CCONJ
bmra-9917	374	12	topsis	topsis	NOUN
bmra-9917	374	13	.	.	PUNCT
bmra-9917	375	1	financial	financial	ADJ
bmra-9917	375	2	innovation	innovation	NOUN
bmra-9917	375	3	,	,	PUNCT
bmra-9917	375	4	7(1	7(1	NUM
bmra-9917	375	5	)	)	PUNCT
bmra-9917	375	6	,	,	PUNCT
bmra-9917	375	7	1–27	1–27	PROPN
bmra-9917	375	8	.	.	PUNCT
bmra-9917	376	1	https://doi.org/10.1186/s40854021-00295-5	https://doi.org/10.1186/s40854021-00295-5	PROPN
bmra-9917	376	2	shabat	shabat	PROPN
bmra-9917	376	3	,	,	PUNCT
bmra-9917	376	4	b.	b.	PROPN
bmra-9917	376	5	(	(	PUNCT
bmra-9917	376	6	2019	2019	NUM
bmra-9917	376	7	,	,	PUNCT
bmra-9917	376	8	may	may	AUX
bmra-9917	376	9	14	14	NUM
bmra-9917	376	10	)	)	PUNCT
bmra-9917	376	11	.	.	PUNCT
bmra-9917	377	1	how	how	SCONJ
bmra-9917	377	2	today	today	NOUN
bmra-9917	377	3	’s	’s	PART
bmra-9917	377	4	retailers	retailer	NOUN
bmra-9917	377	5	can	can	AUX
bmra-9917	377	6	compete	compete	VERB
bmra-9917	377	7	against	against	ADP
bmra-9917	377	8	the	the	DET
bmra-9917	377	9	giants	giant	NOUN
bmra-9917	377	10	.	.	PUNCT
bmra-9917	378	1	fundbox	fundbox	NOUN
bmra-9917	378	2	.	.	PUNCT
bmra-9917	379	1	https://fundbox.com/blog/todays-retailers-can-compete-giants/	https://fundbox.com/blog/todays-retailers-can-compete-giants/	PROPN
bmra-9917	379	2	shafi	shafi	PROPN
bmra-9917	379	3	,	,	PUNCT
bmra-9917	379	4	m.	m.	NOUN
bmra-9917	379	5	,	,	PUNCT
bmra-9917	379	6	liu	liu	PROPN
bmra-9917	379	7	,	,	PUNCT
bmra-9917	379	8	j.	j.	PROPN
bmra-9917	379	9	,	,	PUNCT
bmra-9917	379	10	&	&	CCONJ
bmra-9917	379	11	ren	ren	PROPN
bmra-9917	379	12	,	,	PUNCT
bmra-9917	379	13	w.	w.	PROPN
bmra-9917	379	14	(	(	PUNCT
bmra-9917	379	15	2020	2020	NUM
bmra-9917	379	16	)	)	PUNCT
bmra-9917	379	17	.	.	PUNCT
bmra-9917	380	1	impact	impact	NOUN
bmra-9917	380	2	of	of	ADP
bmra-9917	380	3	covid-19	covid-19	PROPN
bmra-9917	380	4	pandemic	pandemic	NOUN
bmra-9917	380	5	on	on	ADP
bmra-9917	380	6	micro	micro	ADJ
bmra-9917	380	7	,	,	PUNCT
bmra-9917	380	8	small	small	ADJ
bmra-9917	380	9	,	,	PUNCT
bmra-9917	380	10	and	and	CCONJ
bmra-9917	380	11	medium	medium	ADJ
bmra-9917	380	12	-	-	PUNCT
bmra-9917	380	13	sized	sized	ADJ
bmra-9917	380	14	enterprises	enterprise	NOUN
bmra-9917	380	15	operating	operate	VERB
bmra-9917	380	16	in	in	ADP
bmra-9917	380	17	pakistan	pakistan	PROPN
bmra-9917	380	18	.	.	PUNCT
bmra-9917	381	1	research	research	NOUN
bmra-9917	381	2	in	in	ADP
bmra-9917	381	3	globalization	globalization	NOUN
bmra-9917	381	4	,	,	PUNCT
bmra-9917	381	5	2	2	NUM
bmra-9917	381	6	,	,	PUNCT
bmra-9917	381	7	article	article	NOUN
bmra-9917	381	8	100018	100018	NUM
bmra-9917	381	9	.	.	PUNCT
bmra-9917	382	1	https://doi.org/10.1016/j.resglo.2020.100018	https://doi.org/10.1016/j.resglo.2020.100018	PROPN
bmra-9917	382	2	smith	smith	PROPN
bmra-9917	382	3	,	,	PUNCT
bmra-9917	382	4	g.	g.	PROPN
bmra-9917	382	5	(	(	PUNCT
bmra-9917	382	6	2018	2018	NUM
bmra-9917	382	7	)	)	PUNCT
bmra-9917	382	8	.	.	PUNCT
bmra-9917	383	1	strategic	strategic	ADJ
bmra-9917	383	2	working	working	NOUN
bmra-9917	383	3	capital	capital	NOUN
bmra-9917	383	4	sourcing	sourcing	NOUN
bmra-9917	383	5	strategies	strategy	NOUN
bmra-9917	383	6	for	for	ADP
bmra-9917	383	7	the	the	DET
bmra-9917	383	8	survival	survival	NOUN
bmra-9917	383	9	of	of	ADP
bmra-9917	383	10	small	small	ADJ
bmra-9917	383	11	businesses	business	NOUN
bmra-9917	383	12	(	(	PUNCT
bmra-9917	383	13	publication	publication	NOUN
bmra-9917	383	14	no	no	INTJ
bmra-9917	383	15	.	.	NOUN
bmra-9917	383	16	2078988301	2078988301	NUM
bmra-9917	383	17	)	)	PUNCT
bmra-9917	384	1	[	[	X
bmra-9917	384	2	doctoral	doctoral	ADJ
bmra-9917	384	3	dissertation	dissertation	NOUN
bmra-9917	384	4	,	,	PUNCT
bmra-9917	384	5	walden	walden	PROPN
bmra-9917	384	6	university	university	PROPN
bmra-9917	384	7	]	]	PUNCT
bmra-9917	384	8	.	.	PUNCT
bmra-9917	385	1	proquest	proquest	PROPN
bmra-9917	385	2	dissertations	dissertation	NOUN
bmra-9917	385	3	and	and	CCONJ
bmra-9917	385	4	theses	these	VERB
bmra-9917	385	5	global	global	PROPN
bmra-9917	385	6	.	.	PUNCT
bmra-9917	386	1	u.s	u.s	PROPN
bmra-9917	386	2	.	.	PROPN
bmra-9917	386	3	federal	federal	PROPN
bmra-9917	386	4	reserve	reserve	PROPN
bmra-9917	386	5	bank	bank	PROPN
bmra-9917	386	6	.	.	PUNCT
bmra-9917	387	1	(	(	PUNCT
bmra-9917	387	2	2017	2017	NUM
bmra-9917	387	3	)	)	PUNCT
bmra-9917	387	4	.	.	PUNCT
bmra-9917	388	1	http://www.federalreserve.gov	http://www.federalreserve.gov	PROPN
bmra-9917	388	2	u.s	u.s	PROPN
bmra-9917	388	3	.	.	PROPN
bmra-9917	388	4	small	small	PROPN
bmra-9917	388	5	business	business	PROPN
bmra-9917	388	6	administration	administration	PROPN
bmra-9917	388	7	office	office	NOUN
bmra-9917	388	8	of	of	ADP
bmra-9917	388	9	advocacy	advocacy	NOUN
bmra-9917	388	10	.	.	PUNCT
bmra-9917	389	1	(	(	PUNCT
bmra-9917	389	2	2020	2020	NUM
bmra-9917	389	3	,	,	PUNCT
bmra-9917	389	4	june	june	PROPN
bmra-9917	389	5	5	5	NUM
bmra-9917	389	6	)	)	PUNCT
bmra-9917	389	7	.	.	PUNCT
bmra-9917	390	1	advocacy	advocacy	NOUN
bmra-9917	390	2	releases	release	VERB
bmra-9917	390	3	2020	2020	NUM
bmra-9917	390	4	small	small	ADJ
bmra-9917	390	5	business	business	NOUN
bmra-9917	390	6	profiles	profile	NOUN
bmra-9917	390	7	for	for	ADP
bmra-9917	390	8	the	the	DET
bmra-9917	390	9	states	state	NOUN
bmra-9917	390	10	and	and	CCONJ
bmra-9917	390	11	territories	territory	NOUN
bmra-9917	390	12	https://advocacy.sba.gov/2020/06/05/advocacy-releases-2020-small-business-profiles-forthe-states-and-territories/	https://advocacy.sba.gov/2020/06/05/advocacy-releases-2020-small-business-profiles-forthe-states-and-territories/	VERB
bmra-9917	390	13	u.s	u.s	PROPN
bmra-9917	390	14	.	.	PROPN
bmra-9917	390	15	small	small	PROPN
bmra-9917	390	16	business	business	PROPN
bmra-9917	390	17	administration	administration	PROPN
bmra-9917	390	18	office	office	NOUN
bmra-9917	390	19	of	of	ADP
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bmra-9917	391	3	,	,	PUNCT
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bmra-9917	391	6	)	)	PUNCT
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bmra-9917	392	3	business	business	NOUN
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bmra-9917	392	7	.	.	PUNCT
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bmra-9917	394	3	,	,	PUNCT
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bmra-9917	394	5	7	7	NUM
bmra-9917	394	6	)	)	PUNCT
bmra-9917	394	7	.	.	PUNCT
bmra-9917	395	1	a	a	DET
bmra-9917	395	2	profile	profile	NOUN
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bmra-9917	395	4	u.s	u.s	PROPN
bmra-9917	395	5	.	.	PROPN
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bmra-9917	395	12	(	(	PUNCT
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bmra-9917	395	15	.	.	PUNCT
bmra-9917	396	1	cb21	cb21	PROPN
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bmra-9917	396	4	)	)	PUNCT
bmra-9917	396	5	.	.	PUNCT
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bmra-9917	397	6	about	about	ADP
bmra-9917	397	7	:	:	PUNCT
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bmra-9917	397	11	https://doi.org/10.1186/s40854-021-00295-5	https://doi.org/10.1186/s40854-021-00295-5	NUM
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bmra-9917	397	13	https://doi.org/10.1016/j.resglo.2020.100018	https://doi.org/10.1016/j.resglo.2020.100018	PROPN
bmra-9917	397	14	http://www.federalreserve.gov/	http://www.federalreserve.gov/	VERB
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bmra-9917	397	16	https://advocacy.sba.gov/2020/06/05/advocacy-releases-2020-small-business-profiles-for-the-states-and-territories/	https://advocacy.sba.gov/2020/06/05/advocacy-releases-2020-small-business-profiles-for-the-states-and-territories/	PROPN
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bmra-9917	399	3	https://www.census.gov/foreign-trade/press-release/edb/2019/edbrel.pdf	https://www.census.gov/foreign-trade/press-release/edb/2019/edbrel.pdf	PROPN
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bmra-9917	399	21	)	)	PUNCT
bmra-9917	399	22	.	.	PUNCT
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bmra-9917	400	13	1834008878	1834008878	NUM
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bmra-9917	401	1	[	[	X
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bmra-9917	401	4	,	,	PUNCT
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bmra-9917	404	1	the	the	DET
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bmra-9917	405	7	)	)	PUNCT
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bmra-9917	405	10	.	.	PUNCT
bmra-9917	405	11	https://doi.org/10.9770/jesi.2018.5.3(12	https://doi.org/10.9770/jesi.2018.5.3(12	NOUN
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bmra-9917	407	6	8(3	8(3	NUM
bmra-9917	407	7	)	)	PUNCT
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bmra-9917	410	2	yin	yin	PROPN
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bmra-9917	410	4	r.	r.	PROPN
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bmra-9917	410	6	(	(	PUNCT
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bmra-9917	410	9	.	.	PUNCT
bmra-9917	411	1	case	case	NOUN
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bmra-9917	412	3	.	.	PUNCT
bmra-9917	413	1	https://doi.org/10.9770/jesi.2018.5.3(12	https://doi.org/10.9770/jesi.2018.5.3(12	X
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