If you are confident that your business will take off and be profitable, here are some suggested sources for financing a startup:
1. Mortgage the house and get some of your equity out in cash. Interest rates are low enough these days that it is manageable as long as you have an income coming in.
2. Pitch and recruit silent partners for your business. Silent partners only provide funds in return for a % interest in your company. You want them silent so you don`t have to get their agreement to use the money anyway you deem necessary.
3. Use a cah advance from a credit card. Expensive but if you can turn it around within 30 days you pay them back and keep working with what is left.
I can`t speak for everyone, but I opened my first merchant account with Washington Mutual with a $100 starting amount for free checking. It works for me and the price is right. Of course you`ll need all the legal info on your company when you open it...
Hope it helps.