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The first step is to apply for a loan through a commercial bank, preferably one you already have a relationship with. If you are unable to secure financing that way, you can apply for a loan through the Small Business Administration (SBA). The SBA may be able to assist you in getting a loan from a lender that wouldn’t normally loan you money without the SBA’s endorsement (details from the SBA ). The SBA will not consider loan applications until you can prove that you have exhausted traditional lending options. Online Same Day Payday Loans When you have different types of accounts on your file, then your credit will get a boost from that. Thatâs because it proves that you have the knowledge and maturity to handle different types of accounts. Account diversity makes up 10% of the FICO score.