02 Lending Package That Secured $100K in Capital
How a small business owner went from denied to approved—with a full funding-ready blueprint.
The Challenge
When Marcus, an HVAC business owner, reached out to The Business Lady, he had hit a wall. Despite strong monthly revenue and consistent growth, his loan applications kept getting denied.
What was holding him back? A lack of documentation, weak business credit, and no funding strategy. Lenders saw a risk. But we saw an opportunity.
Our Approach
We created a three-phase funding readiness plan tailored to Marcus’s business needs:
Financial Cleanup & Documentation
We organized key financial statements, built a basic profit and loss tracker, and ensured the business was structured properly with EIN, DUNS, and a business bank account in place.
Business Credit Optimization
Marcus had no vendor accounts reporting. We helped him open and manage Tier 1 and Tier 2 accounts that reported to business credit bureaus—raising his Paydex score within 60 days.
Lender-Ready Loan Package
We prepared a clean, professional funding proposal that included:
- Business plan and executive summary
- 12-month revenue projections
- Updated profit and loss statement and balance sheet
- Statement of purpose for the loan
- All required documents for both traditional and alternative lenders
The Outcome Within 90 days, Marcus:
Built a 75+ Paydex score
Improved his personal credit by 42 points
Was approved for a $100,000 business term loan at 7.9% interest
Received two more pre-approvals he could leverage for future growth
The Takeaway
Getting funded isn’t just about making money—it’s about showing lenders that you’re organized, credible, and prepared. With the right structure, documentation, and strategic coaching, even small businesses can unlock big capital.
Ready to build your custom funding blueprint?
with The Business Lady today.