You can apply for an SBA loan through your local banks. They will require several items, the first being a completed, formal business plan. They will also require that you have 20 - 30% of the start up cash yourself. Then it's a simple matter of taking your business plan to a commercial loan officer. They will decide if it is worth forwarding to the SBA representative. You will complete paperwork for the loan application and wait for SBA approval or denial.
They will also expect to see applicable experience in the industry you are going into. They want to be sure that you have the experience and skills to successfully run your company.
In your first post you said you were looking at a franchise. Then you mentioned a double concept. Are you trying to combine two franchises? You won't find many (if any) franchises that would allow that.
Also, if you're talking about opening a Hookah "garden" be forewarned that the town you want to locate in may object. I know in a town near me someone has been trying to open a Hookah "lounge" and the town is fighting it. Neighboring businesses and homeowners are objecting to it. So, do your homework first. Call your town's business development department for guidance. If they are willing to discuss it, they will want to see your business plan.
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