Small business start up money

The bank would be your first call. Have a chat with you ban manager and see how it goes.

I agree with everyone else here that your local bank or credit union is your first option. Even with bad credit, if you have a solid idea and good payment history they might consider. I think first, you need to know what is on your credit history. That can hurt you without you even knowing it. Anyone can get a free copy of their credit report once a year. I'd look on line and get one, you usually have to pay $6.00 for mailing, but still it's a start. Then go through it and review your past payment history. Some people take the companies off of their credit report if they've paid in full, but show "slow pay". If you have a good payment history with another company, even if you have paid off the account, then keep that company on your report. You can only remove companies that you have already paid them off in full. After you get your credit report done, then approach your bank. You need a solid plan though for the risk. There some that get small business loans or even government grants as start up cash. This you can search on the internet, but please watch for hidden fees. I think starting with your credit history is where you need to start. You probably already did that, but there are a lot of people that don't think about doing it. Best of luck to you.

I would think the bank is your best option. Here, our jobcentres help out with new businesses... they train you and pay you whilst you're training, then give you all the help you need to get started, but I'm in England, and the system is probably different. Brightest Blessings.

you can borrow from a cooperative if you don't have enough capital. The interest in cooperatives are usually lower than that of the privately owned banks. If you can borrow from realtives and friends, the better because the interest is very minimal.

maybe you can tell your plan to your friends,meybe your friends can help if your friends can be interested in your plan.you can have to try!