15/10/2026
531,728 business applications were filed in September. Most owners will fund their businesses out of pocket or with personal credit. They never learned how business funding works.
Starting the business is only the first step.
Many owners form an LLC and immediately start paying for everything with personal savings or
personal credit cards.
Not because business funding doesn't exist.
Because nobody taught them how to prepare their business before applying.
Banks don't approve funding simply because you filed an LLC. Depending on the lender and product, they may review your personal and business credit, revenue, cash flow, bank
Statements, time In business, existing debt and how the company Is structured.
Applying before those pieces are ready can lead to smaller approvals, unfavorable terms or a denial.
The prepared owner learns what lenders evaluate, builds the proper foundation and applies for the right funding product at the right stage of the business.
I've laid it all out in my new book "Unlocking Business Credit
The Insider's Guide to Business Credit, Funding and Growth"
Available now at
Unlock capital. Build credit. Grow faster.In today’s competitive economy, access to capital can make the difference between surviving and scaling. Yet many entrepreneurs struggle to understand how business credit works—or how to qualify for the fundi...
