Is a foreign loan OK for starting a small business?

My husband and I are trying to get a small business loan for either a LLC or INC. we want to start up. We have received an offer from Menkel Financial Group for the amount of 20,000. The problem with this is that the group is out of Jamaica (UK) which makes me a bit uneasy. I've tried to run it through the Greater Better Business Bureau (Menkel Financial Group 89 King St. West Jamaica WI 877-292-3584) but they only deal with the United States. They also want a 1500.00 disability insurance payment before the 20,000 is deposited which sounds funky to me as well. I guess what I want to know is if it is a regular practice these days to get a loan over sea's perhaps because of today's rates? Is an insurance policy such as this one a regular practice with lenders. Is there some other way I can look this company up that I haven't tried yet? I have a low credit score and no collateral but I do not want to make a choice just because my choices are limited.