Thanks Julie for your input. I have been going to a SBA counselor who is absolutely wonderful! The two problems for me are: I have no collateral and my SBA counselor states all the SBA administrative meetings she has attended are communicating that NO BANKS ARE LENDING MONEY. I really hate to try to find and take out a business loan at 64 years old, but after 6 month's of searching,I guess that's what I'll have to do...February 2012.