Not to throw water on your dreams but having been there, done that I wouldn't do it again. We had our own business and were pretty much in the same boat you're in. We didn't have the capital needed and getting a local was almost impossible unless you already had substantial funds to invest yourself. SBA was no help unless you really didn't need the loan to begin with. We had a nitch business, not quilt related but it was specialized. Needless to say, after three years we called it quits. It wasn't worth the hassle and we lost everything in the process.
Sorry to be so unhelpful but most startup businesses don't last more than about five years unless they have good financial backing.