Forums: Discussions for entrepreneurs and small business.

I have posted on startupnation before, but as an advisor.  Now I am  seeking help or advise.

I am a true entrepreneuer and I have worked for myself for the past 7 years.  Recently I had to seperate myself from a business partnership and create another company.  My business has three seperate revenue streams.

1) We provide direct outside sales representation to small business owners.  Essentially, we function as manufacturing reps but for local small businesses.

2) We do business and marketing plans for start-up and companies seeking to grow.

3) We are a disabled veterans business enterprise.  Located in California, this provides us with unlimited opportunities for contracting with city, county and state government.

My problem is that I cannot secure funding to support basic operating expenses for the next 12 months.  Banks that claim to have special programs for disabled veteran business owners turn me down because of my credit score.  Angel investors turn me down because my business plan does not show explosive growth.  Prosper.com, circlelending.com and all of the internet based unsecured lending companies have turned me down because of my credit score.

I have spoken with lending professionals with various levels of experience and I keep hearing the same advise; "own property and use the equity, get a partner with assets, borrow from family."  None of those work for me at this time.

Now I realize I damaged my credit by taking far too many risks in the past and raising my score will take time.  At the same time, I have 6 clients that are simply waiting for sales representation and I don`t have the funds to recruit and hire them.  Worst of all, I have to pass on certain contracting opportunities because I cannot accept a job where payment takes 45 to 60 days and I have to pay people every two weeks.  I currently have myself, two part-time sales reps and 4 loyal clients that together provides my company with average sales of $5,000 monthly.  So I am still extremely small, but I have a solid plan and marketing strategy.

I have run out of good ideas.