SBA loans are not that onerous -- go to a credit union (https://www.sffirecu.org/business/loans/small-business-administration-sba-loans https://www.sffirecu.org

SBA loans are not that onerous -- go to a credit union (https://www.sffirecu.org/business/loans/small-business-administration-sba-loans https://www.sffirecu.org/business/loans/small-business-admin...) instead of a big bank and you can get it done. A Chase (or whatever) business card at 13% is still better than this since you can pay it back early.