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					Originally Posted by Minte  I can tell you from recent experience how difficult it actually is to even get a low interest loan from the SBA. We had qualified for an SBA504 loan to add a large addition to our main plant. After nearly 4 months and a mountain of P&L's,Proforma's,balance sheets,personal loan guarantees.etc,etc,etc we were told now we would start the next phase.  I shit canned the plan and went directly to the bank. A 20 year loan at under 5% and the entire process took a few days over a month. 
 The really disappointing thing about the SBA was that they had recent bond issues and have several hundred million dollars that no one is using.
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 True, anything that involves the government seems to be bloated and filled with red tape so something like what I posted would have to be handled correctly to work. 
BTW how is your offline business? Have you seen much of a downturn because of the economy?