BS. The SBA has a micro loan program, max amount of $50,000.
My computer has been freaky lately, so I can't cut and paste and I'm too lazy to type the URL because you can just google SBA loans.
Look for a CDFI fund lender in your area, they will likely be a good conduit for these loans. Again, Google CDFI lenders. LISC and Enterprise are two national organizations that have CDFI lending operations, there are probably local entities near you as well. CDFI = Community Development Financial Institution. Their rates are not as good as you will get from a commercial bank, but they make loans that those banks won't.
Another option would be to check out your local municipality. They probably have small business loans and grants that they make available. Is there a chamber of commerce you can contact? Or a local development corp? If so, they would be great resources for you to explore.