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Honestly, look into the small business association in your area.
They will be able to guarantee loans up to and over $100,000.
They will require you to have a business plan and the like. The SBA will also have some of the best businesspeople at their disposal to help come up with a proper business plan.
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That being said, a 20% profit margin isn't much. For an individual to sell items at a 20% markup you must sell a large volume in a small amount of time, with little effort to make a good amount of money.
-SF
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