Newbie, do you thuink you can help me?????

[2B-The-Best]

Good morning everyone, I am new and hopefully this forum can help me. I feel I am ready to start my business, but every time I go to the bank they, say they are not borrowing at this time. (Little back round) I am trying to build a 6000sq. ft. Salon,(from the ground up) I have been working on this for just over 2 years and here is what I got so far.
I have my LLC
I have the business name and logo which is trade marked
I have my tax ID
I have purchased the property and still paying on it (I have been paying for 2 yr)
I got it re-zoned business property, over a 1yr ago
I have drawings , that a builder did for me, and he gave me a price to build.
I have a 1/25 scale model built of the building.
I have had the land surveyed and have those drawings.
I have a 1inch thick business plan.
I have my own website page and domain name.
Credit scores are 803, 817, 821
But I can't get a loan, I am asking for $600,000 that is including the balance of the land loan (85,000) and the equipment as well (10,000) I am will to put up, the business land it is going on, I have another piece of land (that is clear and free, I owe nothing on it 1/2 acre with lake access. Plus I have my home as well to put up, still owe on that but I have equity in it about 20,000 and I have a savings account with only $5,000 to put down, I know it's not alot of money, but remember, I have payed for everything mentioned above!!
Can some one help with Ideas, I am all ears!!!!

[borisfowler]

I don't know why you're having such a hard time, but take a look at this article we posted recently. It may give you some insight into why business plans do not get funded. Why Business Plans Don't Get Funded

Perhaps, looking at banks is not the best place to get funding.

[c9consulting]

What city are you located in? It may make a difference depending on where you are. If you're in a place that doesn't have the most "upbeat" economic situation, you may have a little trouble no matter where you go. I would imagine with all of the things you have lined up, you will eventually find someone to lend to you.

Ever heard of microfinancing?