The one thing most small business start ups look for first is money. When asked how the money will be spent the answer is often unclear or very vague. The first place to spend the small business loan money you're looking for is on paper.
Set up a spreadsheet with a column for areas of expenditure: marketing, equipment, research, inventory, etc. Use a second column to allocate the amount of loan money you belief you'll need. A third column should show the projected date of the loan money expenditure.
This on paper exercise will help you see how much loan money you'll need and when. It will also add to the business plan data your potential lender or investor will need to review to consider making you a small business start up loan.