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Not sure why you'd need more than that to get yourself started though, it's enough to buy a new garage and fill it with several trucks.. even two garages and a couple trucks..
I'm sure there are mods around for increasing the loan though, if you look around, otherwise it's not very hard to make one. The problem you will have though is that you may well need to start a new profile (or re-load a very early save game) to make it take effect since you've already triggered the max loan offer. Not entirely sure.
Interesting, I've only ever been offered 400,000 from the bank.
Only TSM mod gives me a loan offer of 500K as a single loan option.
In GBP the max loan is 320k.