We've tried this. Banks won't loan unless you have prior success in that business. Only a few do Purchase Order financing (where you show them a list of pre-orders that you need money to service) and it's expensive and also requires prior success. All would require a personal guarantee. I had one tell me they wouldn't loan unless I had the amount of the loan in an account at their bank. What's the point of that? Generally speaking, U.S. banks are worthless for startups, unless you want to fund your business with credit cards.

actually there are a couple of VC Banks that do this (again generally further stage companies). I know http://www.triplepointcapital.com/ does this (they invested in our startup, but for equity).