awful... this is a value proposition to who? Investors, Users, the world at large? I don't know how you make whos life easier and why should I pay for it..
Getting loans from the SBA are very difficult for startup businesses. The best is to get a proof of concept going and then go to some angles for the money. SBA will not likely loan you operating capital, but asset purchase capital. They want something they can foreclose on.
Wow, dude... I'd need to write you a textbook to answer your questions... if you have specific questions you can ping me at [email protected]... FYI I'm on my 3rd startup... sold the first two..