Super negative net worth

I am currently in the phase of finding funding. Applying for SBA loans.

Right now I got approved for a few 0% intro APR credit cards that I will use to purchase equipment.

I tried to get a HELOC loan but got told that my equity in the home is too low…. Damn.

I got a physicians loan and only had to pay 5% down, now my equity is building at a turtle’s pace.

Add on 400k+ in student loans, my car loan and my net worth is looking super negative.

I’m in talks with PNC bank, hopefully I can get one of these SBA loans although the interest rate is much higher than I would like.