08/19/2026
Alright, business owners and people who claim to know business funding — I’ve got a question for you. 👇
I want to see who actually knows what the hell they’re talking about when it comes to getting funding for a young business.
Here are the facts about my business:
1️⃣ Business age: approximately 7 months
2️⃣ Monthly revenue: under $5,000
3️⃣ Personal credit score: approximately 615
4️⃣ Established sales history + a professional website + inventory that can actually be sold
5️⃣ Business bank account: 7 months old
6️⃣ Multiple sales channels
7️⃣ Real inventory — not just an idea on paper
8️⃣ Graded inventory, with more graded inventory on the way
9️⃣ And probably most importantly — I have the work ethic to keep going and building this thing regardless of how hard it gets.
Now here’s my question:
What legitimate funding options are actually available to a business in this position?
Because I keep seeing people online telling new business owners, “You can absolutely get a startup/business loan!”
But then you dig into the requirements and suddenly it’s:
❌ 700+ credit score
❌ $10,000+ monthly revenue
❌ 1–2+ years in business
❌ Extensive business credit history
❌ Collateral
❌ Or some other requirement that completely changes the conversation.
And I’m speaking from actual experience trying to get funding, not just repeating something I saw on TikTok.
So I want to know:
Who here actually understands business lending well enough to look at these numbers and tell me what type of legitimate financing I could realistically qualify for — without making s**t up?
I’m not looking for a guru.
I’m not looking for somebody selling a course.
I’m looking for somebody who actually understands small-business lending, startup financing, revenue-based financing, business credit, SBA options, lines of credit, or alternative financing.
Put your answer in the comments.
Let’s see who actually knows what the hell they’re talking about. 😂
