I've been turned down for an SBA 6 times now. I had a yes on one, then was told never mind. Got a yes on another one, then banks got bought out, and then turned into a no. I have one now I am working with that says try again in 6 mos, well I am waiting another year. No one wants to loan to anyone right now. Then again, we are asking for 350K. Which sucks is, we have our local EDC willing to loan 1/2, I need to find the other half, but the bank now wants the whole loan. So here I am waiting....Best option is to ask around. I went to my bank..only to learn that they are anti-business, according to several business owners in the area. Defiantely go to some SBA seminars and network..it will get you a lot faster through the door.