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[link widoczny dla zalogowanych]

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The main reason people use banks to hold their money isn't because of the lucrative returns from interest rates - it is because the bricks, sensors and a tempered steel safe convey a sense of security that a sock drawer can't match. On top of the physical security of a bank, there is the protection of the U.S. government. The Federal Deposit Insurance Corporation guarantees that the bank will not lose your money. The limit for this coverage applies for up to $250,000 per account, but will go down to $100,000 per depositor as of 2014. [link widoczny dla zalogowanych] For-profit lenders are reluctant to issue loans to anyone who does not have a strong credit report and financial history. That is not the case with government small business loans. Obviously, a decent credit report is important, and you will have to follow the guidelines regarding the repayment period and the interest rate set by the government, but usually the interest rates charged by government loans are lower than those you could expect in the private sector.
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