Hey contact me and I will do my best to help you. I work with a company that gives loans to small or mid-size businesses that need a loan. Please note that Community members may include only one (1) link in their signature line. Any additional links to websites, social network profiles, or email addresses will be removed.  Email me with your contact information and I will call you. You will be nothing but satisfied.

Hi, As stated, a good place to start is with one of SBA resource partners: SCORE, Small Business Development Centers or Women’s Business Centers. These organizations provide free business counseling and training. To find your nearest SBA resource partner, enter your zip code at SBA Direct. Best of luck!

It seems you may have put the horse before the cart, so to speak. You have an
office, and presumably a lease, yet you don't indicate whether you have
clients. I agree that you may want to seek guidance from a small business
development center or a SCORE counselor in your area. Their services are
free.

If you don't have enough clients to make your business profitable, you need
to get out and network. You don't mention what type of health care you are
involved in, but surely there are clinics, doctors, professional associations
where you can be networking and presenting your services.

Businesses have trouble securing financing at the best of times. Normally you
have to have two to three years of solid financials before a money lender
like a bank will even consider lending you money. Often you need to have a
strong personal credit record to be eligible for a decent business loan from
start-up. There are other lenders that offer business loans specifically for
start-ups so the process is easier now than it was a decade ago.

Any advice that you get here or any other forum on the internet will be
generic unless you provide more information, but to be honest there are
better places to get help than from faceless strangers. You can contact SCORE
at their San Antonio office, and one of their mentors should be able to sit
with you and go over the specifics. http://sanantonio.score.org/

Personally, I think you are starting from the wrong place. You are looking
for a loan while at the same time stating " I have bad credit and do not
qualify for any loans"...... it seems almost self defeating. If I were to go
over your situation, I would first want to know if this idea for a business
that you have seems like a viable one. With 3 minor kids and partially
disabled, you have to deal with situations most entrepreneurs do not have to
deal with, which means it might be more difficult in your case.