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My friend and I have recently gone through some critical steps to begin a business. Our work is in video production services (commercial, industry, web, small bus., film, etc.) We've paid for this certificate here, and license there. We've sat down and discussed what we need, where to facilitate it, and how much start up funds we would need.

But we have a major concern as to acquiring a loan. We know that it's near impossible to walk into a bank with no established credit and walk out, loan in hand. We are both 18, and have assembled a pretty legitimate case for what assets we need, and its relative cost.

My question: How can we acquire loans or grants, whether a co-signer is needed or not, for start up businesses, with owners in the under 21 crowd, and no credit history?