I Need $20,000 to Launch

[Pure]

I'm currently in the process of launching a business in the tech industry. It's essentially a subsidiary company of a friend's business based out of another state. I need a measly $20,000 more in order to start my business. The problem is I'm young, 25 years old. I don't really have anything in the way of equity. I do have excellent credit. I've been trying to figure out how to take out a small business loan and have been reading a lot online via different avenues including the SBA. My question is:
What type of business loan is best suited for someone like me?

Thanks guys!

[Future of Edu]

Stay away from SBA. There is a saying about SBA. If you have the credit for it, you don't need it. If you don't have the credit for it, you can't get it.

What is your FICO score? If you have EXCELLENT credit as you stated then a low interest personal line of credit may be your best option. I'm interested in seeing if you understand (not an insult) what excellent credit means in this economy.

You say $20,000 more... How much have you already invested and does the existing business have sales or a track record? If you are saying it's your friends and a subsidiary, I'm assuming it's internet based. If that's the case I think the term you are looking for would be "white label".

I'm interested in talking with you though. Even if not to invest, I'm always interested in how people are making their money and getting it. Let me know that above info and I think i'd be better able to help you on how to finance your project.

Thanks,

Nick

[Pure]

My FICO score is 789

This is not an internet based company. It's a tech specific retail store. I'm basically franchising through him with no franchise fee and paying a residual gross royalty. My friend has 3 location in another state. He's currently speaking with VC's for millions in capital to take the next step. I'm expanding in the state of California. I've already gathered most of the capital necessary to open my first store.

What steps should I take for funding and/or loans?

[Future of Edu]

We should probably make this conversation a little more private. Email me at nvaug1985@gmail.com or nick@vacationswithoutborders.com

You have several options and if your FICO score is in fact that high I may no a couple of private lenders that would be willing to put up the cash for a very small return. It would definitely be better than a traditional loan. How fast are you looking to start the franchise? Email me and we'll continue the conversation there.

[darry]

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