Pretty much your only options other than traditional financing are to find a money partner or save it up yourself.

Vinnie… but the vig is way too high. Put together a sound business plan and sell a percentage to investors that may be looking for ways to diversify.

Prove to the lenders/investors they get a good return on their money.

It’s already hard to get a new business going without the burden of bad credit. If you wait until you can build better credit and some savings, your business will have a better chance. Or start small if possible… start very very small, so that you can pay the costs out of pocket without risking your livelihood (moonlighting). If your business is self-sustaining, then you can use your profits to grow it. If not, no harm done.