Some communities have used part of their Community Development Block Grants for a business loan program.
Contact your city economic development department for information.
Local banks and credit unions with small business focus
Contact your Small Business Development Center to request a list of local micro-lenders. The SBDC will probably ask that
you meet with them first to prepare a business plan. Working with the SBDC will give you a more favorable standing with the micro-lender.
As a last resort (i.e. you have to exhaust all other sources first), Accion Microloans funds micro-loans.
Micro-loans usually require some training or one-on-one consulting to strengthen your business skills.
Many micro-loans require you to send quarterly financial reports to the lender.