No tips for you.
But I'm kinda in the loan business. I used to close 30 to 60 loans per month. Now it's more like 5 loans per month.
The banks are running scared to death right now.
M advise would be to hang tight until you can pay cash, or perhaps even at least make a 80% down payment, then try again.
There's also tons of used equipment for sale out there right now. Just heard of a Mazak near me which sold for $1000. I'm also hearing of machines sitting outside of plants in the rain, for lack of buyers.