Yes, you're quite right - one year's financials are necessary. Have you looked at Prospa? They're a small business lender that will look at your business differently to a bank - usually their credit assessment process results in faster easier loans for small businesses such as yours. Give them a go, but if you come up short remember, you've only been in business for a year - sounds like everything is going in the right direction, you just need to persevere a little while longer. Don't get despondent, you'll be reaping rewards soon!
Have you thought of hurrying services to reduce the work load. Most people start with a book keeper for a few hours a week to reduce the load, that way you aren’t going into debt to hire someone and also you don’t have to deal with any unfair dismissal stuff if they aren’t working out for the business.