I can appreciate your frustration with the "build your business credit" approach. If you have a 25 year old profitable business that can demonstrate that it can service the loan - you should be able to go to your local banker. If you can get a bank loan - it will probably be the "best" way to go.
If that is not a viable solution for you at this time, then there are a number of other ways to secure funds; depending upon the specifics of your situation. The first being how much capital you are seeking.
Thanks there Mr Johnson I have a very profitable bizzness over 25 years going.
I wanna workin cap loan so I don`t have to touch my cash flow. To date up to
500,000 profit but my cpa says a banker might say why ya need a loan if ya makin
so much,but I say I`d rather be usin their money instead of mine. I could be puttin the money
I;m makin back for me and the family. I can service the debt as my numbers should show. Just wondering if banks wanna make loans to small profitable business? Can provide to em personal and the biz tax returns,good numbers to date. Do banks still loan money to business? Do they want everything secured by real estate? Do they look at where ya been, where are ya now and where ya goin??! Ain`t goin that bizziness credit crap Got ripped by a company outa Oh and still raw on that. Want to go back ol school and go the local bank route. Like I said gotta bizzness making money and frankly want to make more. Ain`t nuthin wrong with that is it? Don`t want to use mine, wanna use there`s to keep on making it!! Thanks now.