I seem to be in the same situation Dave11, I am only looking for $30,000 and putting $30,000 in myself and prepared to use home as collateral, and the banks do not want to seem to know. The country will never get moving again if small businesses cannot start up, and start to employ people.

Greed is the reason for a qualified entrepreneur like yourself not being able to launch, and the solution to this malaise in the credit markets is innovation.

We have taken a small step in helping businesses owners achieve the goal of opening shop.  All over America - right now, there are aspiring entrepreneurs who need that last push.  They need that last bit of funding / help to get them from the planning stage, to the execution phase.  Clearly, the banks are not budging.  What we have done is designed a product that will help some entrepreneurs in this position, but not all.  It's rooted in common sense and not rocket science.  As a direct processor we have been to create a split funding finance arrangement as a direct credit card processor, which would allow for an aspiring business owner to purchase FF&E - to be paid back by their future credit / debit card swipes. 

We work with aspiring entrepreneurs to come to terms with suppliers and carefully underwrite deals so that a business owner can obtain the equipment they need to open and operate, while creating a framework for vendors to be protected from default.  It's simple; I give you a product to open your business - you pay me back each time you swipe a credit card in your new business until the cost has been captured in full.

If this can be of any help, we'd be glad to hear from you.  We work hard to educate suppliers / vendors as this is new.  You would not be alone in selling yourself, your business, and its merits. Feel free to click my name for more info!

Best,