I'm assuming a straight line from a bank is out because you don't have enough hard assets and inventory in the business to loan against?
How about a working capital line from a bank that you sign for personally? That puts you on the hook for the money if the business fails; nowadays that is par for the course for most banks. I advise a company with $10mm+ annual sales that still has to have its owners co-sign on a $1mm line. If you deal with the bank your company already does business with, or you have your home mortgage with, they will be more familiar with you and work easier with you (the large commercial banks don't care about small business since they chase mostly huge accounts; smaller banks are more flexible, esp if they know you).
Other avenues:
-If you have a lot of receivables, you can factor them to get cash upfront, but it can cost you 10-25% of your receivables' value depending on risk, time to payment, what business you are in, etc.
-Find an angel investor that is willing to come in as an equity partner. That way you give up a piece of business but the investor gets potentially bigger upside when business is sold in future.
-Some angels will do loans, but rates are high because risks are high. They usually want an equity "sweetner" like some warrants in your business.
-Stretch out your payables as long as you can. 45-60 days will buy you time as your receivables come in. On the flipside, try to collect receivables ASAP; perhaps give a 1-3% discount if paid within 10 days.
Again, I am doing this all without knowing your business, so some or all of this may not apply. Hope this is helpful.
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