Do angel investors actually loan money for a 10-20% return, without equity?

I am starting a business and wanted to see my options in raising $200-$300k

Some angels do more than that. But you need to be very clear on what they want in return, spelled out in detail, in writing, and no "implied" extras, like sexual favors. There's no union or other protection here unless you hire a lawyer to read the contract for you before you sign. So if it is not clear enough that you can sign without asking an attorney, or if it's all supposed to be oral contract, don't agree without extreme caution.

Sometimes it can be a pretty tedious and difficult process when applying for a business loan through a bank. Their standards and policies tend to be extremely strict.

Have you ever considered using a form of alternative financing? If you already own your own business there deffinetely are other avenues to obtain funding; such as having a credit card receivables cash advance.

The company I work with specializes in this form of funding and can fund merchants with even the most questionable credit with rates that rival banks and other financial institutions.

If you find yourself interested, please email me or at least visit the source websites.

Good luck obtaining that loan!