This is one area where the actual practice will vary from region to region and practically city to city. The best that I can do is to give you some suggestions.

Prepare an in-depth Business Plan. Include all the material. Samples plans can be obtained from some banks, the local Chamber of Commerce and websites. Be sure to include both a Set-Up budget and Operating Budget.

Store stock is transient and can not be used as collateral at most banks. Store fixtures can be used in most cases. So buy nice ones and do not build poorly crafted ones. If at all possible buy some land. Any land, it does not have to be commercial. The land can be used as collateral. It is also considered a different type of collateral and will make you eligible for a lower loan rate.

There is not Miniature /Hobby class for business loans. Banks unfamiliar with the Hobby industry will try to place your company in the jewelry class because of the miniature pewter castings and spin casters used to do the work. Try to avoid this as the Jewelry industry has a weak rating among business types thus causing you to have to pay a higher loan rate.

Hobby Business: Discussion of Considerations/Issues by Topic

Shipping Considerations
Finances: Accounting and Budget Preparations
The Initial or Expansion Bank Loans
Pricing Methods
Marketing and Advertising
Selecting the Best Site For Non-retail Companies
Glossary