The agency you need to contact for a small business loan will vary depending on your state. You can find a complete list here http://usgovinfo.about.com/od/smallbusiness/a/stat egrants.htm

Go here and get as much information as you possible can:

http://www.sba.gov/smallbusinessplanner/plan/write abusinessplan/index.html They can lead you to the right people.

Depending on where you live, there are nonprofit organizations ready and willing to help you locally. If you have a hot idea learn as much as you can including a fancy business plan. Ventures' capital might be interested, but many of them want a huge percentage of the company and possibly control. Right now you are lucky if you get to talk to anyone. Everybody is very tight with the money. I started my first company with money from friends' and credit cards.

Go here and get as much information as you possible can:

http://www.sba.gov/smallbusinessplanner/plan/write abusinessplan/index.html They can lead you to the right people.

Loans are not very easy to get.

Depending on where you live, there are nonprofit organizations ready and willing to help you locally. If you have a hot idea learn as much as you can and arm yourself with a fancy business plan. Ventures' capital might be interested, but many of them want a huge percentage of the company and possibly control. Right now you are lucky if you get to talk to anyone. Everybody is very tight with the money. I started my first company with money from friends' and credit cards.