There can be a number of underlying reasons behind why it is difficult to avail a business loan. Since yours is a start-up of sorts, lending institutions are wary of granting loans in such cases as new ventures are considered risky. This is the reason why a lot of individuals opt for bootstrapping. Once the business acquires some momentum and you have a few years of existence and good turnover to show to the lender, getting a loan is cakewalk. Having said that, it does not mean that all doors are closed for people looking to start something of their own.
You should take a look at the business loan eligibility criteria of the lending institutions. Following this, you can eliminate unfeasible options and shortlist those loan schemes which fit your profile. Here, you should look beyond banks and consider other credible lenders as well. There are Non-Banking Financial Companies like Bajaj Finserv that provide business loans at minimal interest rates in almost every city in India.
If you have any asset of value that can be used as securitize or mortgage, you should consider availing a secured business loan.