Banks don't generally invest in new businesses or new business plans, for good reasons. The government doesn't want banks taking undue risks with depositors' money. If you don't have solid collateral, or if you aren't willing to risk what you have, then don't expect to get commercial loan financing. SBA guaranteed loans . Friends and family .
Many businesses start with financing from friends and family.
This is sometimes the only way to start a business, but it is also full of potential problems. Go very slowly. Self financed . Many businesses start without loans or investment, and many more businesses do their business plans without needing outside financing. If your numbers are strong enough to go without outside money, congratulations, that's a very good thing.