With the bank statement loan - just watch costs but if you can get approved
and you can earn more with the capital then it costs - then by all means.
Regarding a IPO - very expensive and very few underwriters will touch your
deal unless you are seeking to raise hundreds of millions of dollars. But,
with the crowdfunding bill passed (and soon in practice) crowdfunding might
be a better option.
If seeking working capital and have the issues described here - look to using
your business's financial assets like purchase orders, accounts receivables
or credit card receipts - these lender look beyond your credit and history
and look to your next cash event (which these financial assets provide).

Good option. I would also add that even start ups can tap into working or expansion capital by going public with an IPO, reverse merger or other means. Look into it. This post was edited to remove a link. Please review our Community Best Practices for more information about how best to participate in our online discussions. Thank you.