On the other hand, I would certainly feel good if the SBA had considered and implemented any of my suggestions. If you seek direct responses to your concerns, then contact the SBA office nearest you and speak directly to a representative. Regarding your particular business, it is difficult to provide a detailed response without reviewing your business plan, financial projections and financial statements of performance to date. However, you simply cannot ignore the fact that lending money requires collateral. You certainly want the bank to maximize its coverage against defaults on loans made with your money.
All depositors feel that way.
Depositors wanting the opportunity to make higher returns on their money seek out the stock market and mutual funds. That is higher risk and an option you can accept or decline. The SBA Microloan Program mentioned earlier. I make no guarantees because collateral will remain an issue. Venture capitalists take the higher risks.