Getting a commercial loan from your bank may be the best option. The interest rates would be lower than a credit card, and it is not as hard to obtain a business loan as you think. In fact, an entrepreneur in good standing can get access to up to $15,000, starting on day one of the business. Check with your bank and also shop around for a loan/line of credit for your business. It takes money to make money, and it may pay off in the long run tax-wise to carry a little debt as your business grows.