I've said it before and I'll say it again...... (LOL)

Contact your local Small Business Development Center and get your business plan written.

Allow them to point you in the right directions. They may even be able to put you in contact with a few bankers who would be more willing to give you a business loan --- it doesn't HAVE to be with the SBA.

I know that my SBDC has been most invaluable and have pointed me to three local banks --- all of which are friendly to small business AND to small business in the area that I want to be in.

BUT you MUST have a clear and concise business plan. (They can help with that too) NO BANKER is going to even talk to you without it.

Good Luck!!!

Lisa :D