Banks do not underwrite start up business loans - period. Banks want to get repaid and you have to demonstrate - based on past results - how you can repay that debt - start ups can't do that. Plus, there are no government grants or any grants for that matter to fund a for-profit business - new or old business.
You have to find ways to self fund your company using any and all bootstrapping methods that you can. Then, once your business is up and running and generating sustainable revenue - then your business can qualify for a host of financing alternatives including bank loans.