[brk]

You stand almost zero chance of getting a small business loan, possibly only if you offer a personal guarantee to back it up (meaning you personally are liable to repay the loan).

Given the vast majority of startups that either fail to gain decent revenue, or just outright fail to launch, I'd have to say that you'd be crazy to offer a personal backing to loan vs. giving up some share of the company to an investor.

No offense, but if you're even asking about this, you probably don't want to be considering the loan route.