Top 5 Reasons Businesses Get Denied Bank Loans (And How We Can Help)
Getting denied for a business loan can be frustrating, especially when time is critical. Here are the top 5 reasons banks say no — and how Wellspring Capital offers a better way:
1. Low Credit Score
Banks care about credit. We focus on your business potential.
2. Limited Time in Business
Most banks require 2+ years. We can fund businesses as young as 3–6 months.
3. Insufficient Collateral
No real estate? No problem. We offer unsecured advances based on your sales.
4. Too Many Existing Loans
Stacking debt scares banks. We look at cash flow, not just liabilities.
5. Slow Processing
Banks can take weeks. We typically fund in 24 to 72 hours.
At Wellspring Capital, we’re not here to judge — we’re here to fund.
✅ Fast
✅ Flexible
✅ Straightforward