Photochick you wrote why should the bank give me money when I don't have any? They are not giving it to me but loaning it, with a very high interest rate. I could see if I had some ill intentions of some sort but this is for a business. I am not asking for handouts, it's kinda like when you start racing and nobody wants to really talk to you and give you the information you need. Everyone wants to be secrective as if to say there helping you will lessen there chances of winning.