LeAnne,  for a small business starting out with less than 10 employees or so, I would say the SBA (Small Business Administration) since they are more favorable to businesses than banks.  In addition they will give you up to 40 years to pay back the loan and help make the payments more affordable unless most commercial loans, who typically like the twenty year amortization!  PS  How is Virginia, it is my home state and will always hold a special place in my heart even though I now lived in Arizona!!!