Unlikely, unless you have some idea that makes sense to a business loan manager. You're relying on a non-tech person to see that your idea is a really solid ide

Unlikely, unless you have some idea that makes sense to a business loan manager. You're relying on a non-tech person to see that your idea is a really solid idea, which may or may not fly. The other thing is that even if your credit isn't in the toilet, banks might also want to take a lien on something valuable of yours, e.g., your car or your house, since you essentially have no assets in your company when you start. This is not always in your best interest, especially if your company goes belly up. Liquidating a house or a car that might normally be protected by bankruptcy is probably not going to be fun for you.