The Cash Flow Access Problem
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“So often people are working hard at the wrong thing. working on the right thing is probably more important than working hard." - Caterina Fake, Flickr co-founder
The Cash Flow Access Problem: How to Get Funding for Your LLC (Even With Bad Credit)
Why You’re Getting Declined for Funding (And How to Fix It)
Let’s keep it real: Most small businesses fail NOT because of a bad idea but because they run out of money.
And guess what? It’s not because funding isn’t available. There are millions of dollars sitting there, waiting for business owners—but most people:
🚫 Don’t know where to apply
🚫 Don’t have their business set up the right way
🚫 Get denied by banks and stop trying
🚫 Think bad credit = no funding
Here’s the truth: The money is there. You just need to know how to get it. And that’s exactly what I’m about to break down.
By the time you finish reading this, you’ll know where to find business loans, how to get funding for an LLC, and how to get approved EVEN with bad credit.
💡 Bonus: Stick around, and I’ll even drop my FREE Business Credit Guide so you can start getting money TODAY.
Why Traditional Banks Keep Saying NO to Small Business Loans
Let’s talk about the biggest mistake entrepreneurs make when they need funding: going straight to the bank.
Here’s the reality—banks don’t like small businesses. They love:
✅ Big corporations
✅ Established businesses with perfect credit
✅ Low-risk, high-cash-flow companies
What they don’t love?
❌ Startups looking for their first business loan
❌ LLCs that aren’t set up properly
❌ Entrepreneurs with bad credit
And the worst part? They won’t tell you why you got denied. They just hit you with that generic:
“Unfortunately, we are unable to approve your application at this time.”
Sound familiar? If so, it’s time to stop playing by their rules and start tapping into the funding sources that actually WANT to work with small business owners.
How to Get Business Funding for Your LLC (Even With Bad Credit)
1️⃣ Business Credit: Stop Using Your Personal Credit for Business Loans
🚨 This is where most people mess up.
If you’re using your personal credit card or your own money to fund your business, you’re doing it wrong.
Here’s why:
📉 It lowers your personal credit score
📉 It limits how much funding you can get
📉 It makes lenders see you as high-risk
Solution? Start building business credit.
✅ Get an LLC & EIN (DO NOT use your SSN!)
✅ Open a business bank account
✅ Apply for a DUNS number (FREE with Dun & Bradstreet)
✅ Start with Net 30 vendor accounts (Uline, Quill, Grainger, etc.)
✅ Move up to business credit cards and lines of credit
Once you have a strong business credit profile, you can get funding WITHOUT using your personal credit.
2️⃣ Revenue-Based Loans: Get Approved with NO Credit Check
If your LLC makes at least $10K/month in revenue, you can qualify for revenue-based financing WITHOUT a perfect credit score.
These lenders look at cash flow, not credit.
💰 Revenue-Based Loans
💰 Merchant Cash Advances (MCAs)
💰 Business Lines of Credit
Here’s what you’ll need:
✅ 3-6 months of business bank statements
✅ At least $10K/month in deposits
✅ An active LLC or corporation
If you meet those requirements, you can get funded in 24-48 hours.
3️⃣ SBA Loans for Veterans, Women, and Minority-Owned Businesses
The SBA (Small Business Administration) has some of the best funding programs out there, but most people don’t know how to apply.
Best SBA loan options for small businesses:
🔹 SBA 7(a) Loan – Up to $5M for working capital, expansion, or buying equipment
🔹 SBA 504 Loan – Best for real estate and major purchases
🔹 SBA Microloan – $500 to $50K for startups and small businesses
The SBA doesn’t lend directly, so you’ll need to find an SBA-approved lender.
📌 Pro Tip: If you’re a woman, veteran, or minority business owner, you may qualify for special funding programs with lower interest rates.
4️⃣ Private Lenders & Alternative Funding (Skip the Banks!)
If the banks won’t fund you, go around them.
There are hundreds of private lenders, fintech platforms, and business credit programs designed to help small businesses get money without the headaches of traditional banks.
💰 Business credit cards (0% interest for 6-12 months)
💰 Invoice financing (Turn unpaid invoices into instant cash)
💰 Equipment loans (Buy what you need without upfront costs)
💰 Private investors & venture capital (For high-growth startups)
These options give way more flexibility than bank loans, and many don’t require perfect credit.
How to Apply for Business Loans (Without Getting Denied)
Most people get denied because they apply the wrong way. Follow these steps to boost your approval chances.
✅ Step 1: Check Your Business Credit Profile
Use Nav, CreditSafe, or Experian Business to check your business credit score.
✅ Step 2: Set Up Your LLC Properly
Make sure your:
🔹 LLC name matches your EIN
🔹 Business address is NOT a PO Box
🔹 Business phone number is listed on 411 directories
✅ Step 3: Apply for the RIGHT Funding
Don’t waste time applying for loans you won’t qualify for. Choose the funding option that fits your business:
➡️ $0 Revenue / Startup? Business credit + SBA microloan
➡️ $10K+ Monthly Revenue? Revenue-based loans
➡️ Buying Real Estate or Equipment? SBA 504 loan
➡️ Bad Credit? Business credit + private lenders
Final Thoughts – Get Funded Now
If you’ve been struggling to get funding, you’re not alone. But now you know:
🚀 Banks are NOT your only option
🚀 You CAN get business funding with bad credit
🚀 Business credit + private lenders = game changer
🔗 Want to get funding FAST? Click here to book a FREE funding strategy call: 👉 plan.dominofxgroup.com
💰 Want to build business credit the RIGHT way? Download my 📚FREE Business Credit Guide here: https://financeguide.dominofxgroup.com/
🚀 Let’s get you funded and start scaling your business TODAY.
Resources to Help You Execute:
For Women & Veterans 🪖
For my fellow veteran entrepreneurs, you have unique resources at your disposal to fund, grow, and scale your businesses. Here are a few to look into:
DFX: apply for funding today!
Get started https://dominofxgroup.com/get-started
Services
Experience. Over 100 years professional lending experience
Resources. Access to hundreds of private (non-bank lenders)
Response. Experience underwriting team. Streamline system with In-depth analysts and advisors.
Target Focus. No two loans are the same, and no two lenders have the same lending policy. We know where to go and what they want to see in the loan package.
Here is a quick checklist to get you started. Remember imperfect action beats inaction, get started, stay consistent and let's Build! 🚀
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