my advise is do not go for SBA loan. too much paper work higher interest rates and there is always a catch in the early payment (i.e. pre payment of the loan). all business loans are difficult to get..... .. but there are preferred bankers for each type of business for example: dunkin donut >> has its own financing shell >> goes through chase mobil >> goes through citi. they have their own alliance and its easier to finance through their own kind. usually if you have more than 10% down then its easier to get it approved.