1. Clean up the bank statements – messy statements can hurt approval chances 2. Build more banking history – 3 months is still new, Aim for 6+ months with consistent deposits is better 3. Improve the credit score – 640 is okay, but getting closer to 680–700+ can open up better funding options Why? The $15K monthly revenue is good, but the short banking history, messy statements, and 640 score could make $50K harder to approve