I have challenged credit so not able to apply for a traditional loan

LG, you might want to try two options.

1. First, you may wish to consider whether you qualify for any grant-based aid. A visit to DSS in Baltimore can be a good starting point.
2. My concern is that you may be running out of time to go through the application process. If traditional lenders have declined your request, it might be time to look at non-traditional lenders. Many people that live in your community lend small amounts of money (often less than $25) into pooled loan services. These peer lenders may provide an additional option.

I would definitely try the first option since it is easier to qualify when you are a single mother who is working hard to raise a family. Remember that a grant would not have to be repaid!