No way around it - banks want to know that you have positive cash flow to repay their loan - not cash flow in the future but cash flow today. Have you talked to your banker about SBA programs? There are some programs that do not require 3 years of porfitability provided you have some other form of income or a co-signer with income. Also, there are non-bank programs that don't have this requirement at all. There are non-bank unsecured lenders, accounts receivable factors, business cash advances, micro-loans or even equipment lenders that work with start-up, non-profitable companies.

brianwashington - Could you give a bit more information on your situation so the community will have an easier time giving advice?