Ok, here’s something I probably shouldn’t tell you.

If you want to get money to do business and need to improve your business fundability profile here is a suggestion:

Step 1. Open a business checking account somewhere and make a deposit. At least $100, but $1,000+ is better.

Step 2. Connect your business bank account to your credit card(s). Doesn’t matter if they are personal or not but it’s better if they are business cards. AMEX looks the best.

Step 3. Pay for everything with your credit cards (I’ve told you to do this before, if you’re not already doing it what the fuck is wrong with you?)

Step 4. Send the cash for your credit card payments to your business bank account and pay them by ACH every month. ONLY PAY CREDIT CARD BILLS FROM YOUR BUSINESS BANK ACCOUNT FOR THE TIME BEING.

What have you done?

What you’ve done is created cash through your business bank accounts that will look like it’s from your business activity.

Why is this important?

If you are looking for funding, say via an SBA term loan, the banks will lend 1.5-5X monthly cash flow. The more you have going through there the more money you can get in order to do business. They are not going to scrutinize the sources too much, they want to see the numbers and consistency. Balances don’t matter much.

What you shouldn’t do:

Don’t link personal ACH deposits or withdrawals, like your paycheck, to your business bank account.

BUT you can wheel your paycheck through your business bank account from your personal bank account. (You’re probably not ready for that yet)

Bonus:

If you have a brokerage account and dividend paying equities sweep your dividends through your business bank account (and back if you want to).

Bonus-bonus:

If you have a margin account at a brokerage pull out cash on margin and round trip it through your business bank account.

You will need to have a solid 3-6 months of elevated cash flow to get funded. So this is not an overnight thing. But if you are methodical and diligent, it’s going to work. After the first round of funding you can keep doing it or not.

This is not financial advice, and YOU probably shouldn’t do it at all.

Good luck