so it sounds lie you just need a working capital loan? no brick and mortar involved. that may make it a bit easier.
i think a lot will have to do with the product, if you've actually made a profit on it, and whether you have collateral. my first major loan was a few years out of school, and i really had nothing other than a small home. i was given the loan, but at that time my interest was 8.25%. there may be rules to the loan such as you can only pay interest the first year, you can't prepay for a certain amount of time, and you can't transfer you loan for a period of time. for that first loan, i paid it on time religiously for a couple of year, then sold it to another bank. the rate went to 4.25%, and saved me a ton of money.
just be ready for them to undress you financially. they'll want to know where every penny in your life came from over the last few years. shop the loan out as well. you'd be surprised the ways that a loan can be structured. you'll find what's best for you.
also, it depends on the size of the loan, but be ready to take out life insurance to secure. if you take part in certain recreational activities, you may want to back off for a while. they'll do a physical, and the screen is usually part of it.
i'm not sure if this is what you were asking, but i'll try to answer any questions i can.