I agree with the money being out there for the right situation. I approached a banker (owner) friend about what it would take to finance the opening of a brewery here in rural Iowa and the things he pointed out as most important were: a solid professional business plan with a clear vision and clear estimates of cost vs profit, and some personal (whether it be personal or seem personal like from a family loan, etc.) capital to secure the loan. After talking to the SBA in my area, there are a ton of services available from them for free, they did almost all of our market research for no cost, will review and help tweak the business plan and visit banks with us.
I started putting together all the ideas I have been recording for the last several years into a business plan and it is mind numbing. Every time I think I have all the costs figured out i think of another needed item or cost. I am at an advantage, I have a $75,000 angel investment to help me along, but the price to open a 7bbl brewpub (cans for small distro, tapas for food) is amazing. More amazing than that is trying to come up with projected numbers fro your first year open!
I am going to business school as I put this together, so I have a lot of resources, but it is still an extremely daunting task. Any experienced folks who want to help would be LOVED, lol.
I think I have an untapped (no pun intended) market here, all the craft folks have to drive an hour to 2 hrs. to a larger city to hit a brewpub or get decent craft. I was a beer club organizer for 2 years here and I am confident I can sustain and grow right off the bat, but getting open seems to be the hardest part, right now.