From your poster name, I'd assume this is an appraisal business?

If so, I'd really exhaust the bootstrap method of financing before going into anything else. I may not understand your business, but it would seem there are very few start-up expenses, and like you say, no real issues with capital needs over the longer term. If what you're talking about is setting up legal entities, building a website, getting insurance, and fitting out a small or virtual office with equipment and software, I'd first investigate using a personally-guaranteed line of credit from a small-business-friendly bank. If you can't repay it in the first year from cash flow from the business, they will usually offer "terming it out" as an installment-type loan. Interest rates are not that bad, and it gives you flexibility to draw on the LOC when you need it, versus a highly intrusive and structured business loan process (from a bank or an investor). I'd get advice from some bankers here to validate my thinking...

First and best option is to be your own bank.

Personal savings, credit card, 401(k) loan, etc. Unless you're starting up a company that has a lot of capital needs like buying equipment or inventory, this will almost certainly work. Even if you do have some capital needs there are probably ways to work around this so you can finance everything yourself.

If you have to go to a bank, expect to secure whatever they'll give you with your personal assets. The bank only cares about whether you can cash flow the loan. Whatever business plan you have probably isn't going to convince them of anything. The only thing they'll care about is whether there is proven cash flow that can handle the payments.

I have a few SBA loans for my company and I don't care for it. Wouldn't have been very practical to do it another way so I'm glad those programs are there. This is what they're designed for. But if you can do it another way that will probably be a lot better.