I think Chef Tracy was stating her status (veteran, minority and a woman) because there are loan and grant programs available to us, that are not available to other segments of the entreprenurial population. And it`s a shame that your tone is so discouraging, I thought this was a place for ENcouragement? If you don`t have anything nice to say...
I am also a veteran, woman and minority, congratulations to you for coming this far!! I read a great article in Inc. magazine. Talked about people like you and I. Small business owners who don`t have good credit, but who do have solid business practices and a mission. There is help. www.cdfifund.gov Community Development Financial Instituions. This is a government program that awards money to banks and non-profit organizations and these banks and non-profits in turn loan and grant money to individuals for business startup and expansion. A few of the qualifications are:
You must have a community mission
You must want to bring your business to high risk urban areas and neighborhoods
They specialize in high-risk microenterprise loan programs. Go to the website. Click on WHAT WE DO, Click on INDIVIDUALS SEEKING GRANT LOAN, Click on SEARCHABLE AWARD DATABASE. You can search for your state and city. Look at the institutions that were awarded that money and contact the person listed.
Best of Luck! See you at the top.