Fast forward about 6 years and this is what I know to be true. Getting turned down for that loan was a blessing - I didn't need cash, I needed skills. At the time, I had earmarked that money for a video I wanted to help market my service. But, that would have been a big waste of money -- I didn't know how to sell. I realize that now. Just as I realize that many of the obstacles along the way were blessings.
Soooooo, ask yourself this - do you know how to sell your product or service? A good measure is ... have you sold one? A prettier website, a great video and a new suit won't get you closer to that sale if you can't close. Think about it, do you really need the cash or do you need skills?