A brand new LLC can potentially get serious business funding with: • $0 in current business revenue • No business tax returns • No business financials • No long business history How? Because with many business credit cards, the bank is primarily underwriting YOU and your personal credit profile. I just made a full YouTube video breaking down exactly how this works: https://www.youtube.com/watch?v=zNttObEe9x8 ━━━━━━━━━━━━━━ 💳 WHAT DO BANKS ACTUALLY LOOK FOR? Your credit SCORE is only one piece. When we're analyzing someone for $100K–$200K in funding, some of the biggest things we look for are: ✅ 700+ credit score preferred ✅ At least 2+ years of credit history ✅ $15K+ in total personal credit card limits ✅ Low utilization ✅ No recent late payments or collections ✅ Multiple established accounts The stronger your personal profile, the more funding options we generally have. My ideal profiles are even stronger: • $30K–$40K+ in personal revolving limits • 4+ years average credit history • Multiple established accounts This is why someone with a 750 score can get denied... While someone with a properly built 720 profile can potentially get six figures. ━━━━━━━━━━━━━━ 🏦 BUT HOW CAN A BUSINESS MAKING $0 GET APPROVED? Many people confuse business credit cards with traditional business loans. A traditional business loan may require: • Tax returns • Bank statements • P&Ls • Existing revenue But many business credit cards rely heavily on the owner's personal creditworthiness and personal guarantee. That's why a brand new LLC can potentially qualify for substantial funding before it has years of revenue. ━━━━━━━━━━━━━━ 📈 WHAT ABOUT REVENUE ON THE APPLICATION? This is another area where people make HUGE mistakes. If an application asks for projected revenue, that's different from historical revenue. Projected revenue is what you reasonably expect the business to generate based on your actual business plans and circumstances.