I don ' t necessarily agree that it would take an amendment . Ca et al could make a Declaration , send it to the Secretary of the Interior . The Sec of Interior would than initiate a law suit , challenging the declaration , that would make it ' s way up to the SCOTUS . I ' m not even going to pretend to be able to game out how that might go . But that would be one way to get there without having go through a constitutional amendment process . <| sep |> Banks seldom want to loan when u need it most . For this reason , it ' s wise to nurture your relationship with the bank when business is going well . For now , negotiate a line of credit . You can tap it when cash flow is tight , but basically refrain from using it . Negotiate the lowest APR possible .