Banks have much more lenient standards for lending to consumers than to businesses. So what you can do is borrow the money from the bank as a consumer and then turn around and personally invest the funds in your business.

Just make sure that you never lie about how you are going to use the proceeds on a loan application. For example, you could refinance your home loan to tap any appreciation in your house value. Then take the funds and invest them in your business. The bank feels safer because their statistics show that home loans are much more likely to be repaid than loans for brand new businesses. Can’t refinance your home? Maybe you can refinance your car.

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