Like Lbramer2002 said, it's extremely hard to get an SBA loan in this economy. Even ex-military guys who are applying for SBA loans are getting turned down, even with perfect credit.

It really comes down to your business, how much capital you need, how long till you see a return, your burn rate, barrier to entry, level of risk associated with the project.

Most of the time, answering those questions, along with a strong business plan and presentation will help you just as much, if not more than your credit score. You will also be able to take advantage of more state based grant programs, such as an economic development authority, etc.

Search for your local SBA branch, and get in touch with them. Also find out what the market is for capital in the region you're in. Such as: Are you on the west coast and trying to do software? (look into ycombinator), etc. But be leery of investment banks/bankers who want you to pay to pitch for capital for angel funding (funding provided by individuals).

Try raising money from friends and family first, if you can get a "backer" then you're better off. Or if you can get a product to 'pre-sale' orders, and show that there is already a market out there, and your orders are backing up, that is also a good way to get out there as well. Banks like seeing pre-exsisting income.

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