Finally had a meeting with the small business loans rep at my smaller bank. The bank itself doesn't do startup loans even for franchises. She basically handed me an SBA packet and said "good luck." And of course the SBA packet requires all the minute projections for the business that I would have no idea how to get at this point. I'm going to call the guy whose name she gave me about it, but if he doesn't have more patience and guidance than this woman and every single other person I've talked to about this, I literally may have to give up on the ownership route and consider real jobs. Boo. Also spending my second Saturday in a row waiting for service people to fix things that should have been fixed last week. Pissed.