Why do you have to stop using your credit cards? No reason you should have to
stop. Better to continue with your business and generate revenue - which the
bank will like more then the fact that you use some of your available credit.
Ask the lender you are working with - ask him / her if you should stop and
explain why you don't want to.

Have you considered perhaps asking friends or family? This blog provides insight about how to go about that process and it could help hold you over until your other funds come through. http://www.sba.gov/community/blogs/community-blogs/small-business-cents/... Best of luck to you!

It depends on your situation and your financial needs. Most businesses have
some start up capital on hand for early stage expenses. If you don't, and you
are depending on an SBA-guaranteed loan for all your financing needs, you may
be unpleasantly surprised.