One thing I’ve noticed working in business funding is that revenue alone doesn’t always make a business bankable.

A business owner can have solid income and still run into issues because of:

• Personal credit profile
• High personal credit utilization
• How the LLC is structured
• Business age
• Industry risk
• Existing debt
• How the business appears to lenders and underwriters

For many of the funding options I help business owners access, qualification is primarily based on either their personal credit profile or the revenue the business is already generating, depending on the type of funding being pursued.

That can include options such as:

• 0% APR business credit cards
• Business lines of credit
• Business loans
• SBA 7(a) funding
• Revenue-based funding

For larger capital needs, the process naturally becomes more documentation-heavy. If a business owner is looking for a substantial amount of capital — especially more than $250,000 from a single institution — they should expect the lender to require additional documentation and financials as part of underwriting.

That’s why I believe CPAs, accountants, tax professionals, and financial service providers can be such valuable referral partners.

You’re already working directly with business owners and often have insight into their financial position before they ever start looking for capital.

My role is to evaluate the funding side, help determine which programs make the most sense based on their credit, revenue, business structure, and capital needs, and help position them toward the appropriate lenders and funding products.

It allows you to add another resource for your clients without having to become the funding expert yourself.

I’m always interested in connecting with professionals who work closely with business owners and want a reliable funding resource they can send clients to.