The SBA is willing to help but you better have the collateral/assets to back up just incase your business closes. Then they will take your liquid assets. I have filled out the paperwork, went to the banks the sba recommends etc. With excellent credit, no debt just the mortgage. Came home and waited for the call that I didn't get the loan, because I didn't have enough liquid assets. I had $40,000.00 in savings and I was only borrowing $25,000.00 and the banks said it wasn't enough and my business plan went through the ringer big time. They marked it up and asked so many questions I was ready to run away, but everyone kept telling to stick to my guns. I did and stayed on top of it, but the banks all kept saying NO.... The sba will only help you if you exhaust all your options of getting a loan on your own and can't.