Working capital financing for small biz in the U.S.... easy or hard?

After reading a lot here and there and trying to finance my own start up in multiple ways, I wonder what is the true state of small business financing today in the U.S.? Factoring, Merchant Cash advances, Bank loans, SBA loans.... are the options out there working? Now we have a platoon of internet lenders coming on-line. Is that really closing the gap? Any advise on options that really work..?