Depends on how much collateral you have? Homeowner? 1st mortgage with available equity on the primary residence? Vacation home? Marketable securities? Fine art/collectables? Accounts receivable from the business? Machinery & equipment? Inventory?

A $500K loan is pretty easy to get with $1MM of collateral, and with the right collateral mix, you can get up to $800K.

Cash flow loans are tough to obtain, because lenders are banking on the business generating enough future profits to service the debt, and with a start-up, there are no prior financial reports to rely upon as a historical track record of profitability, and start-ups have a fairly high rate of failure.

Asset-based loans, on the other hand, use other assets pledged to the lender as collateral. They are usually more expensive (i.e., higher interest rate), but easier to obtain, because the lender's advance rates are pegged at a % of the liquidation value of the assets (e.g., 50% for real estate, 60% for inventory, 70% for machinery & equipment, 80% for accounts receivable). Even in a meltdown scenario where the business goes belly up, the lender can usually recover their principal by liquidating the pledged collateral.