Banks are lending - just not to start up or small businesses. There are many options for you: First, bootstrap - for only $5K - you could use - just like hundreds of thousands of businesses before you - credit cards - or - ask your friends and family for financial help. There are micro loans - up to $35K for start up businesses. There are peer-to-peer lending sources - up to $25K in a personal loan that you can use to get your business going.

You're unlikely to secure private funding for a business likelthis as it's so small in scale. Bootstrapping might be your best option given this is a small scale endeavout with potentially good return. Banks willlend, but only on projects they consider a safe risk - and those are few and far between, especially when much of the loan will be spend on perishable items or equiopment that will depreciate, eroding the equity they have over time. Do you have personal assets that you could use as security against a loan? Vehicles or a home perhaps?

For starters, read I Need Money - Where Do I Get It? for a rundown on common financing options for small businesses. Have you considered bootstrapping your business? Instead of seeking external investors, you find the funds to startup by reaching using personal savings and pinching together a mixture of supplemental income, credit cards, stock investments, revolving lines of credit, and loans. You can read more about bootstrapping a business on Business.gov's Small Business Cents blog.