A Business With $80K Revenue Got Denied. One With $25K Got Approved. Here’s Why.

Both applied for funding.

The $80K/month business:

•	High credit utilization

•	5 recent inquiries

•	Mixed accounts

Denied.

The $25K/month business:

•	Clean credit

•	Low balances

•	8 months steady deposits

•	Clear use of funds

Approved.

Revenue matters.

Structure matters more.

Most owners don’t know this until after a denial.

If you’re preparing to apply, what does your credit + structure look like right now?