Ask HN: Small Business Loan VS Angel/VC

I am looking for some capital to allow me to quit my 9-5 job, and work on my startup full time.

I know most tech startups these days are going with angels, super-angels, and VC funding. It kinda-seems like every tech startup these days is drinking the angel/VC koolaid. The financing option I never hear about in technology and on YC, is a traditional bank small business loan.

On first inspection is seems like a great option; I don't have to give away any ownership of my company. Once approved, the bank gives me money, and basically says do whatever you want with it, just pay us back.

The downside is of course the interest, but assuming I can become profitable in the short term, interest is negligible.

Wanted to get insight from the YC community though on thoughts about small business loans.