9.9 doesn't sound too bad. If it were me, I would speak with a personal banker at a small local bank first. They are often times willing to give riskier loans as they don't get as much business as the big boys. After that, check out the big banks, and if still no luck, you could always go searching for a venture capitalist.
The one thing I would really recommend though, is having a very detailed business plan to present. The more they can understand, the more willing they are to deal with you. Good luck!
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