Geez..a neg to Liran for being helpful??

Ok.speaking as a stupid ex banker and now as a self employed technochick..it's soooo freakin hard to get money. Gah..they want you to have money as a small business before you can be given money. It makes no sense, I know that but they want you to prove that you can pay them back and have a history of being able to do so but it's a little hard to get started.
Ratman, have you looked into grants with the SBA? Just a thought, check your area, see what is available..have a business plan in hand. You want a clear, concise, professonionally done one. Most office programs will have a template for you to use if you have no idea where to start.

Just some ideas, trust me, I KNOW how frusterating it is...been on my own for almost three years now and it doesn't get any easier. Small business make bankers want to run screaming from their cushy offices.