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No, I have not developed a business plan.

From one service connected disabled vet to another - there are a couple of things you can do:

Do you have business assets? Accounts receivables, purchase orders, ro credit card reciepts? If so, you can factor those for working capital as the factors are more concerned with the assets then your credit.

If you beleive in your business's future, you can use personal assets to get funding (most commercial lenders will encumber your personal assets anyways).

lastly, fix your credit - you would be surprised at how many doors will open for you if you can fix your credit.

There are just not a lot of lenders (both bank and non-bank) that are willing to provide unsecured funding to borrowers with poor credit.

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