Convex gave you some great advice.Assuming you have a business plan in place with one,three, and five year projections and some sort of financial goals, you may have a shot at something. I would stay away from credit cards, and banks. Try for smaller loans from family and friends and thier friends.Keep good records and pay them back as fast as you can.Take a look at Prosper.com and similar sites.
In this economy with not great credit? Not likely. But not impossible. First you need a formal business plan. Call your local code enforcement officer and find out what permits are needed and their cost. Would you need to appear before any planning or zoning boards? What would you need for insurances and that cost. What about location where would a good location for your bakery be and what would that cost. There is a lot of leg work to do. The more you have the answers to these and a lot of others the better idea you would have of what kind of money you would need. The more of these questions you can answer definitively the easier it would be to get someone to loan to you.
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