As a small business-person you are NOT ALLOWED to ask anyone in public for funding. It's against the law. I cannot say to anyone in this or any other forum something like: "hey I want to borrow bitcoins from you and I'll pay you back with interest". To do that is ILLEGAL.
This is inaccurate. Privately negotiated lending does not have to be registered
per se in the US, even if the initial solicitation is public, so long as it doesn't otherwise qualify as a security under the '33 and '34 acts. The catch-all in the '33 acts definition of "security," the investment contract, is not broad enough to cover private non-standardized lending (as broad as it is).
There are exceptions to each of the
ANYONE blanket statements made in the OP.
Some but not all business transactions fall within these regulatory governance parameters.
Most private business transactions are just that.