It depends on what kind of credit you'll need to get the business going, underwriting standards, whether you have security, etc. In other words, there is no easy "yes" or "no" answer here for you. Only a lender or investor can tell you whether they'll give you funding or not. You should finish your business plan and then go talk to someone about a loan. Good luck with it!
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You don't need a lawyer for this -- you need a banker. The only way to know how hard it will be to get credit is to try. If you're turned down because of something in a credit report, be sure to ask for the free copy of the report that the lender is legally required to give you.
I would say it is not going to be easy and you are going to be subject to a lot more review than most people starting a business. Whether or not you will get a loan will depend on the type of loan you are asking for and the credit extender you are dealing with. I doubt that you will have to wait 8 years to start a business but you are certainly going to have to show stability and an abiliity to repay it.