I am in the process of trying to open a retail bakery in Cheyenne Wyoming. I have 20 years of combined experience in baking, hospitality management, and accounting. I have created a business plan which has been reviewed by a friend who is a CPA and business consultant and he has found it to be solid. The amount of financing that I need is relatively low- under $40k- but finding it has been a source of intense aggravation! The issue is that the only collateral that I can offer is the equipment that will be purchased which is a little under 1/2 of the total amount that I am requesting. I have talked to 3 banks and have come up empty every time because of the lack of collateral. They want 100% collateral. If I search the internet for funding ideas there are SO many that pop up. It seems the ones who are most likely to be legit are sources like Funding Universe and Go Big Network but all of these companies charge fees that would rapidly add up. Is there any way to find investors or angels out there without paying for a membership on these websites? Then there are the companies that basically want you to hire them to help you improve your credit- which isn't even going to help if you still don't have the collateral. I'm at the end of my rope and just looking for any legitimate ideas to help me get my dream going! This is really EVERYTHING to me and my family- there has to be a way to do it! Thanks for any advice!