You need to develop a relationship with your credit union or a small, local bank. Either of these two places will be your best bet. However, unless you already have a long-standing relationship with one of those two types of financial institutions, I wouldn't expect to get a 100K line of credit with low interest and no collateral.
Whatever you do, unless you don't like yourself, do not waste your time with a giant, mega-bank - they do not want your business. They are the worst place to do your banking with - especially as a small business owner.
Interest rates are low wherever you go. You're not going to get a 100k line without collateral so you can just get that out of your head. You might be able to get a 10k line unsecured if you have excellent credit and cash flow.
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