Maybe wrong forum for this but since I spilled my guts about all this, I spoke w a gentleman from local SBA loan, I hope I can verbalize this right, but apparently this office manages a consortium of local banks that have $ in a fund to lend to businesses, they all vote on approving loan. The bad news is my score is low and of course have unpaid debt that where SOL will be expiring soon
The good news is that this SBA employee said that they havent loaned money in a long time and may be willing to take a chance depending on my PL's etc. and to send him some documents and if the committe thinks that I'm heading in the right direction and an infusion of working capital may get me over the hump, well.....
I know, say it, I better chance of million $ falling out of sky into my hands! But I'll take a stab, I left my ego at the door many moons ago