I would recommend you go the SBA guaranteed
loan route if you can. Participating SBA-approved banks charge less because a good portion of the
loan is guaranteed. Their source of funds is also much lower. The drawback is that this does take between two to three months, but if you have good credit, why not. The second choice would be a direct
loan from your commercial bank secured on a second deed of trust on your home. The interest rates are higher than a first mortgage, but a lot better than a leasing company. Leasing companies would be my last choice. I am not suggesting that leasing companies should not be used, they do have their use, but they charge exorbitant interest rates. The seasonality of tanning makes meeting high, fixed monthly payments prohibitive. You want to structure your payments so that you can meet them during the slow period. I hope this helps. Tommy