Now I know a little more, so that will help in my response to you. I can understand your desire to keep from borrowing money and that is admirable. Start up business loans are probably some of the toughest to get, whether the SBA is involved or not, so if you can fund it yourself, or with the aid of an investor, that is the best way to go. Just don't forget to think through all of the expenses that will be associated with opening a new business, including rent, lease deposit, inventory, employee salaries, equipment, upfit of your space, etc etc etc. Your potential landlord may be willing to provide some money towards the cost of the upfit, but that is not always the case. Plus, you will have legal fees involved with forming your business as well as other expenses such as deposits on utilities, etc. In the case of most small businesses, it takes a while to get established and you need to have enough money tucked away to help with those first few months of business expenses, as well as personal expenses, to get you through. I think lack of working capital is the downfall of most small business owners.

You are wise to be thinking ahead. I wish you lots of luck!

Logan