I`ve been working (for the past 9 years) with entrepreneurs who are seeking funding and here is what I know:
1. I have yet to meet anyone who has actually received a loan (cash) by buying a shelf corporation.
2. I haven`t met anyone who has built their corporate credit in 6 months to get a loan.
3. The (legitimate) lenders that I know will not (don`t) provide a loan to a corporation (or llc) which has little operating history (revenues and profits) without knowing something about the owners - and that means at least looking at their personal credit history. Also, to most of them a Paydex score has limited impact in their lending decision.
4. Whether a lender will insist on a personal guarantee depends upon several factors starting with the financial "strength" of the company. Unless it`s an SBA loan -where the request for a PG is virtually automatic.
How much capital are you trying to acquire?
If your business has been around for 10 years, it should have enough "performance history" to qualify for a loan.
I hope your research provides you the info you seek. If you`d like to discuss your specific situation (in confidence) send me a pm or contact me directly