I finish residency in 5 months, and I want to start a new practice. I will have approximately $45,000 cash, a credit score of 820, $600/month of med school loans to pay, and no other debt. I have no collateral and I have no one to co-sign a loan. I would like to borrow $250-300K. What are my options and chances of getting a unsecured business loan in today's environment? Are there any banks with special programs or should I just try the major banks with a business plan. Any thoughts would be appreciated. Thank you.