Hello everyone. Ive been lurking for a while and I'd like to thank everybody for being so awesome and giving so much good advice. Forgive me for sounding noobish since Im a noob here. Anyways. I'm in the process of starting an art supply in my city. I need $40-50,000. My credit is below 600. I have a spouse (and biz partner) with excellent credit willing to co-sign/sign on a loan for me. Im in a spot where I need startup capital asap. I cant wait years to fix my credit, we dont really have collateral but we have income to show we can pay for the loan. I realize the position Im in, otherwise I'd be out trying to get an SBA loan or traditional business loan from a large bank. But I'm here asking you guys if anybody has any reasonable and realistic advice or resources to obtain the financing I need to start this business. Im located in Michigan and am trying to work with some local biz development orgs that do microloans and such but was also looking to get some help on here as well. Anything would be appreciated. Thank you and happy new years!