If you have decent credit, you might want to consider a government sponsored SBA loan

In light of the current economic crises, the Obama administration has taken steps to make it easier for small business owners to gain access to working capital through their SBA program.

Of course not everyone is eligible, and it is not as easy to get as a credit card advance; but it is an alternative that may be worth looking into.

You can find out more about this funding program by visiting the government website at; http://www.sba.gov/financialassistance/borrowers/index.html