A signature loan for that much is going to be tough without good credit. You will almost certainly need collateral. Now, a small business loan is much easier to get, but you need to get your shit in a pile and present them with your business model or "idea."
With a solid DTIR and at least a 620 credit score, you should be able to find someone to lend you some money, but it'll probably be over 10% interest. Do some research on small business loans. There is a ton of assistance for those.