The question you have to ask yourself is: what makes the bank think my company is good for the loan? Banks like lending if they get collateral. For example, b

The question you have to ask yourself is: what makes the bank think my company is good for the loan? Banks like lending if they get collateral. For example, buy a house and the bank gets that house if you don't pay. Buy a dump truck and you don't pay, they get the dump truck. They can't really take bandwidth. Part of the problem is that a start-up might try something for 6 months, fail, and then just declare bankruptcy. Since the shareholders/members of corporations and LLCs aren't liable for debts, the bank just looses the money. Would you be willing to be personally liable for the debts by co-signing? It should also be recognized that banks are wary right now. They've been burned and are strapped for cash. Unless you can prove that you're safe to lend to, you won't get it. In terms of rates, prime + 2.5-6.5% would be normal depending on the risk and size and such. Do you really need it? Bandwidth and servers are cheap today unless you're doing a lot of video serving. Heck, you can even find Content Delivery Networks that will serve for less than $0.20/GB. If your site really takes off with traffic, don't worry because you'll have VC banging on your door. If it doesn't take off, you don't have to worry about bandwidth too much.