You have to remember when looking for funding that you simply keep looking. I am currently helping a woman apply for a $500,000 grant so that she can start a daycare for "special needs" children. This funding program is not being provided by the government but by a private foundation whose sole objective is to help people fulfill their dreams. And I think that $500,000 would definitely help towards that end! Such funding programs are available for both for-profit and non-profit endeavors - it doesn't matter because the main objective is to help people make their dreams come true. It is just as simple as that.
So if you still want to search for funding before going the "loan" route then you should find out more about these grant programs.
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