It shouldnt have to be difficult but that is the reality. Im being pragmatic about the situation, you are being idealistic.
practically speaking, no one like a bank is going to give you money. The reality is, it is hard to obtain financing in general, but especially with a person like you. No collateral, no experience managing money, no real business, not doing it long enough to know how you are when tough times come, no real skills in life or socially. Because if you had real skills you wouldnt be out of a job. I could go on, but hopefully you get the point.
There is a way you want to do things in life, and then there is a way to get things done in life at any reasonable/legal cost. I like to get things done even if it isnt how i envisioned it happening.
Lastly, the mental aspect of credit card loans shouldnt be a problem if you are as good as you say you are. Take a chunk of earnings each month and apply to the balance. Get as many on a 0% as you can - if you can.