I'll be blunt. When someone is starting an enterprise or investment they think of return ON investment. When it fails they pray for return OF investment. Good news will always take care of itself. Ask all the questions that were well put from Tom, Ted, JT, Art and Peters. I will tell you that Banks DO Not lend to little individual guys ( no offense) regardless of your experience to start a NEW business. If you have some ace in the hole contracts from proven paying customers up front and you have answered all the other questions objectively, you could consider putting your house up. Perhaps its not alot of money you need. And you have your old job or source of income to fall back on so you wouldn't lose your house. Otherwise, Tom G. is Right on! Business's fail from lack of capital and experience. And by experience I mean Business Experience in general not specifically your type. Dealers and suppliers that sell and rent the type of equip. you need are probably going to be your best source of finance. I once financed an addition to a commercial bldg. using money from a vending company and guaranteeing them exclusive vending rights. Banks don't put there capital at risk on equipment that goes down in value each day. Your credit rating has little to do with a straight business loan. Loan to value ratios do. Banks like to finance invent. or equip. purchases to established (5 to 10) year business's. And preferrably with cross collateral and personal guarantees. But most importantly think of where your income will come from. Without cashflow every other positive aspect of your enterprise dims. The fellas on this board who are in the business are too modest. I'm sure each of them spent some sleepless nights wondering how to make payroll or overhead, let alone pay themselves. A business has to be focused on the production of income! Products, service, reputation, all that stuff is the means to the end. But producing income is what you do! Whoo...aren't you glad I'm done? Rick

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