Get it from a customer. Pre sell your products or services to a customer. Not all potencial customers will accept that but he ones who do are your ideal customer at the moment so spend your time looking for them. If you get payed in advance by a customer even if it’s just 30 or 50% to produce your product or service there is no interest rate. And the loan will be used to make you money instead of paying bills. Loans should never be used to pay bills, that will just increase your bills, and it means your business is dying. If you have too much bills it’s because you are not selling enough or your margin sucks or you are spending to much money in things that don’t make the money back, rethink the business.