There are various ways to seek start up financing through conventional loans from banks. Banks will need to look at a great deal of financial information about your business; operating statements, tax returns and many other financial documents. They will want heavy collateral in hard assets. They might loan against inventory and receivables, but they are usually concerned that those assets will go first if the business runs into difficulties. Although banks prefer to have hard assets as collateral (real estate, equipment, motor vehicles), they hope that the borrower will be able to take care of his obligations without the bank having to resort to taking possession of the collateral. The bank will require having all your banking done at that bank.