The man who won't loan money isn't going to have many friends - or need them.
If you don't have savings, and your co-founders are as poor as you are, and if Mom and Dad won't loan you money, then your best bet is to find people that know you - your friends. If they, too, won't help, then you're stuck seeking out angel investors.
In the End, we will remember not the words of our enemies, but the silence of our friends.
Martin Luther King, Jr.
Money has never made man happy, nor will it, there is nothing in its nature to produce happiness. The more of it one has the more one wants.