Lisa;

Well shoot! So sorry to hear about the banks response.

Did they give a reason why they want you to find a "co-signer" instead of writing up an SBA-backed loan?

You said your funds are depleted. For some this means they are truely zero (or close enough). For others this means they have $20,000 left in the bank. Since I don't know you, do you have any funds that you can put up at this time? House? Car? IRA? 401k? Anything?

Suzanne