SBA loans are not that onerous -- go to a credit union (<a href="https:&#x2F;&#x2F;www.sffirecu.org&#x2F;business&#x2F;loans&#x2F;small-business-administration-sba-loans" rel="nofollow">https:&#x2F;&#x2F;www.sffirecu.org&#x2F;business&#x2F;loans&#x2F;small-business-admin...</a>) instead of a big bank and you can get it done.<p>A Chase (or whatever) business card at 13% is still better than this since you can pay it back early.