For the most part, debt funding (loans) are not available to startups, unless there's some substantial collateral (e.g., a 2nd mortgage on a house). But there are online lending sources that do make small loans ($25,000 or so) to small businesses, including Prosper.com, Zopa Inc., GlobeFunder Ventures Inc., Virgin Money USA and Lending Club.
Read more on these in this OregonStartups.com blog post.