I work in commercial real estate, but not in your state. The way it works in Cali is there are several loan programs you can go with to purchase a place to run your business out of. However, this is only if you are buying the real estate (which I highly recommend if you can). You can have your payment lower than a lease and only put 10% down using the sba program.
For financing strictly for capital to start business operations, then you'll have to go sit down with someone to get a better idea. Go to any reputable lender with your business plan and economic plan. They are going to want to see that you have some capital to get the business started as no one is doing highly leveraged deals these days. The amount of money they will loan you is based on how strong they think your business model is. So the better you can show them how you will make money and provide examples of other similar businesses, the better the chance will be that you can get a nice loan.
Most people's mistake when it comes to starting their own business is that they think they will only need 25%-50% of the actual amount of money they will need. I've seen it before where some guy has $20,000 and wants to open an auto repair shop. Well, when we went through all the financials he was flabbergasted to find out that unless he was bringing an existing customer base and doing all of the work himself, he'd have no money after just a few months and wouldn't be able to survive....even after a loan.
If you can swing it (even if it's later on down the road and not now) I'd try to get a group of investors together (friends or colleagues) and buy a retail center in which you want to run your business. This would preferably be a smaller spot with 3-5 spaces and a good parking lot. The money you can generate from the rental rates of the remaining units will likely pay your mortgage for the entire property. Out where you are, I wouldn't be surprised if you could find a deal with an 8-10% capitalization rate, not even including your own rent that you'd be paying (which is a business write off in most states). Just hire a management company to keep the property clean and lease them out when they become vacant. Most full service operations will collect rent checks and take care of inspections and preparing leases for only about 3-5% of your monthly gross receipts. Again, this is not including your own rent. So, if you've got a monthly income of $10,000, then you only pay the property manager $300-$500 per month.
You gotta dream big if you wanna live big! PM me if you need any assistance bro and I'll try to help you out
