Can you get a small business loan from a bank if you had a personal bankruptcy 9 and a half years ago?

Any bank will loan you however much cash you can put up for collateral - actually only 70% of the cash you put up they will loan back. Do you own a home or have a 401 or any cash investments/savings?

If all you have is an idea, an apartment and a car note - banks aren't in business to loan money.

Its tuff and I have no love for bankers. Getting a new home loan last month was a big enough ordeal for me.

The bankruptcy would be dropped off in 6 months. You have to look at the whole credit picture and with a business loan, there is a portfolio of information that needs to be collected. It would be a good idea to go to the small business administration website for more information

Possibly...just remember that you will not be approved for more than 75% of your estimated costs to open and run for a year (and maybe not even the portion associated with first year operational costs), so you will still need cash of your own.