I agree with PDloans. You should get a copy of your credit report and see if there are any mistakes that can be fixed or if paying a small amount would clear some past due account. This advice is both for you as well as anyone looking for loans, a borrower should always know what their credit score is. You do not even have to pay for it, just make sure that you go to the official free website and not one of those that will charge for the report. I would also stay away from paying for one of those "credit maintenance plans" or even for the credit score. Your mission is just to see what is listed and use their procedures to clean it up if possible.

You could try improving you credit score? 638 is not far from their
requirements of 640. Maybe you should take a look here:

http://archive.sba.gov/smallbusinessplanner/start/financestartup/SERV_CREDREPORT.html

If you have a womens business center or a META office in your area, you might
check with them. It is possible you could qualify for a micro loan.

Thank you for your comments. I checked with prosper.com. Unfortunately my
credit score is 638 and they require minimum of 640 in order to qualify for
loan. My debt is mostly for medical bills for maternity. Even though my
husband has dissent medical insurance we were still paying a lot of money out
pocket and still own hospital money. Any other sources of loan out there?

You sound like the perfect candidate for peer to peer lending. You don't need
a great credit score. Sure it helps to have good credit, but you can still
get a small loan. The interest rate will be higher, but nothing outrageous.
Since you already have customers you have a proven business. Check our
prosper.com.

A good blog post to read on the subject is entitled, Small Business Lending is Improving: Tips for Finding and Securing the RIght Loan. To find out what loans you may apply for, take advantage of our Loans and Grants Search Tool. Good luck!