My partner took off and left me holding the bag on my business,  durring the meltdown in Oct Dec.   I applied for a loan...  The folks at the SBA couldn't even open my spreadsheats that I labored over  for hours and hours..   I had to take a personal loan at 25 % to survive.  They have been making less and less loans to small business.  If you want a totally frustrating experience try it....  The problem is the banks are in fianacial crisis of their own making...  Don't wast your time SBA is broken