[godzillabrennus]

If you are running a service business you shouldn't need any loans if you manage the business properly. You can use factoring services to get paid on deals that require terms (negating the need for a loan to make payroll).

Small businesses are risky. It doesn't pay to put your personal financial well being on the line to sign up a customer. You aren't starting a bank. Good factoring companies do a monthly credit worthiness check on your clients for you. A real asset for this kind of business.