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Of the 2,114 business owners surveyed in February of 2010 by the National Federation of Independent Business, close to 90 percent said they were able to achieve their borrowing needs. For anyone who was unable to obtain an SBA loan, it looks like a source of lending that has remained stagnant since the beginning of the economic crisis is providing help to those who need it most. That's right; banks are ramping up efforts to lend money to start-ups, small businesses and entrepeneurs.

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Education, education, education – One of the first things I look for when qualifying a candidate is their educational background. Accounting principles are not easily learned, I have found that candidates who lack formal education in basic to intermediate accounting have a hard time grasping the complete “picture” that is necessary to be a competent bookkeeper.