A bank will not loan you money if you have no experience in that industry especially the SBA. SBA will want a track record in that industry. Banks will want a UCC filing also on all of the assets which may not be a lot in a retail store. I have had 2 SBA loans and each one took over 6 months to fund.
You can also use a hard money lender. They typically charge 20-25% and you have to pay them back in 6 months to a year. I would only recommend something like that as a LAST resort. Ive used these guys twice.
http://www.ondeckcapital.com/ One for 60K and the other for 75K. They fund you in 2-3 days.
If you get rejected for every loan possible there are always credit cards you can advance cash from.
Negotiate with the landlord and have them pay the TI's. (You will most likely have to pay up front then they reimburse you)
I would not partner with anyone whether it be a friend or family member. It will kill your relationship with the person especially when there is money involved. Plus, who wants to give away half of the profit?
When I open a new store I plug everything I need in full detail on a spreadsheet. I factor in inventory, equipment, construction, permits, etc. As far as working capital goes you should have capital coming in as soon as your are open. Use that money to pay for new inventory, bills, etc.
Advertise, advertise, advertise. Plan to spend 3-5K a month on some decent mailers, coupons, etc to get your name out there.