It is increasingly difficult to convince a bank to loan you money for a small business start up because so many fail. When a small business fails the bank can be left holding the bag. If you want to start a franchise you may have a better chance as this is a more proven model. If you cant convince the bank that you cant lose then you are out of luck. Consolidated Credit has been instrumental in assisting these entrepreneurs get the high risk loans. If you need that loan then you will have a challenge to conquer. The meek will be left behind in this world.