What are my options for small business loans with just my EIN?

From a lenders perspective, they want to know they will get their money back.

A small business is likely to fail within 5 years. If you make it past 1 year, your odds are much greater to make it to 5 years though.

So as a small business owner, you will be asked to cosign on or guarantee any loan to your small business.

And if your personal credit is insufficient for the lenders criteria, then likely any loan will not go thru.

Sorry, that is the way that works.