It's not so much that they won't do 7a loans. They won't lend to a start-up
because your business has no track record. Without a historical performance
to determine whether your business has actually made money, they have no way
of knowing if you can repay the loan.

Business plans are typically never enough to get a bank to lend to you. For
start-ups, you need to have outside sources of income (in case the business
doesn't generate as much as you expected) or collateral.

I am a former commercial loan underwriter, so I can tell you that banks are
very conservative. They will only lend to a business that has demonstrated
success in the past. A business plan that projects success in the future is
unfortunately not enough.

Many start-ups have to "boot strap" their funding. Savings, credit cards,
home equity loans, friends, and family are all ways people have historically
self-funded their business.

Hi, Check out our blog post "Small Business Lending is Improving: Tips for Finding and Securing the Right Loan." It will provide some useful information about the loan process. Best of luck!

How many banks have you tried? Keep searching and visit your local SBDC
office (Small Business Development Center), usually found in community
colleges. They can steer you to banks favorable to start ups.