The loan will come from a bank, but the SBDC will be there with you and the SBA possibly would ensure the loan. I am in a major metro area. Determine how long it takes you to get from where you are to your customers, and draw a circle around yourself. A service business ought to be able to do quite well in a small, intense area. Form a strategic alliance with other companies who are after the same customers, but who are not competitors.
Examples are joint printed materials and bus benches.
Also, build a database so you can use direct mail. Nothing happens until something is sold. However, I'm not sure how to keep my wife from meddling in it. I just don't see how I could be in a business with her and keep the personal separated. I have seen many extraordinarily successful couples who have great marriages and businesses, so it can work.