From the article intro: "Startup funds will be harder to come by in 2012, according to hundreds of venture capitalists polled in a recent survey by the National Venture Capital Association.
In spite of the gloomy funding forecasts, there's still hope for entrepreneurs in need of cash in 2012.
In fact, small-business financing options outside the venture capital industry are rapidly proliferating in the digital age.
With just a few clicks, anyone can pitch a business idea to the growing ranks of angel investors.
In addition, a number of Web services now provide platforms for entrepreneurs to raise small sums of money from large pools of people -- a process known as crowdfunding.
Even Congress is showing deference toward the Internet's capacity to connect businesses with capital, as lawmakers weigh rule-changes that would allow entrepreneurs to use social networks to sell stakes in their startups. (Under current securities law, entrepreneurs can only solicit donations.)
Still, a large share of startup funds continues to flow from the old-fashioned lender that small-business owners love to hate: banks.
So regardless of whether you run a tech startup on the hunt for strategic Silicon Valley investors or you own a local restaurant that's in need of nothing more than a simple bank loan, entrepreneurs must recognize that in the new year, the fund-raising game has changed."
Here are the new ways to raise in 2012:
3. Contest and Accelerator Programs
4. Online Pawn Shops
5. Friends and Family
6. Angel List
7. Revenue-Based Financing
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