Can someone tell me how hard these are to get? Let's say I have a great idea for a business and have it all written out. I need $100,000 to get started. Possible to get a business loan just under the business name or do I need to have my house as collateral? If business doesn't work are they coming after my personal assets? I always assumed it was just like buying a home and they needed to have collateral but I've never received a small business loan.