Greg,

Have you tried getting customers lined up. You could ask them to pay a deposit for your services and the rest upon completion. If you line up enough customers you may have the working capital you need.

This works especially if your customer base includes commercial clients.

Also ask your local bank if signed contracts from commercial clients will help make you a better risk.

Try Prosper.com, your friends and family. Ask your lawyer and accountant if they have clients that may be interested in investing (equity or loan) in your business.

Of course figure out how to lower your debt to income ratio as well.