Before you use your home equity or credit cards which in my opinion are poor choices as outlined above in the various posts. You should try going to a credit union because of some recent legistlation virtually everyone can qualify for an account at a credit union. There is a site that tells you where to go based on a series of questions I found it on clarkhoward.com: Save more, spend less and avoid ripoffs. Credit Unions tend to be smaller and some believe are friedlier to small businesses.