My company is a year old, and I'm only 21 with little credit history. I need a loan for equipment. I've tried to go on a cash only basis in regards to buying equipment but that just doesn't work out. I end up settling for lower quality equipment or spending much more than I should all at once on one thing, and I'm unable to purchase other things I need. I've applied for loans at banks, loans from family, lines of credit, and credit cards and I've been rejected over and over due to my lack of history, even though my short history has not one missed payment. What have you other young guys done to over come this issue? I'm beginning to feel desperate because I made a good name for myself amongst my clients last year, and the new clients are already starting to call me because of recommendations, before I even begun to advertise! It's a mixed blessing because I am really excited I am being received so well and that people want me to do work for them, but I know my equipment isn't going to be able to keep up with the increasing demand, and that in some cases my equipment is also limiting my abilities. I'm really looking for any suggestion I may have over looked. Thanks guys.