Whether you like it or not, the reality is that there really is not such thing as new business loans for business start ups. The only type of financing that is available is personal financing, sometimes disguised as a business loan.
Yes, there are government insured business loans for start ups, but you still have to have above average credit and significant personal net worth to even qualify for these programs, which once again cannot be acquired without a strong personal financial profile.
Start ups require the owners to have equity to manage through the start up period that statistically is very risky to successfully manage through for most small businesses.
