[scottkrager]

The problem you will find with small business loans, SBA especially, is that you can't get approved for one without revenue, or an asset that you are purchasing.

You could check out a non-traditional source for financing like http://www.lendingclub.com , but even that maxes out at 25K and is personally guaranteed (rate depends on mostly your credit score). (disclosure: I did some consulting for them a few years ago)

Bottom line: Small business loans aren't for startups, they are for established businesses.