You pay a visit to your local banker and bring your business dossier. Share your vision for your service or product and show him/her your five year plan. Produce two-years of business tax returns that show a bottom-line profit sufficient to service the debt along with current financial statements including a balance sheet and income statement for the period subsequent to the period covered by the tax returns. Also, bring a copy of your Dunn and Bradstreet report (on your business) and/or your personal credit report.
Have a reasonable, well thought-out purpose for the credit and be able to justify the amount you’re asking for (make sure the amount matches the purpose). Be ready and willing to open a business checking account there (if you haven’t already) and to personally guarantee the debt (for that you would need to present your personal financial statement, as well).