Welcome to the forum and thank you for introducing yourself, Kelleymack.
You might want to discuss how you can correct your credit score with your accountant. You could also contact the SBA to try and guide you as well. In the mean time, we have a great business module that you can use to help you raise capital for your business. How to Raise Capital
Awesome Advice Melinda! Thank you VERY much!!
My name is Kelley, I own and operate an eCommerce website out of my home, which I started in May of last year...
I am having the worst luck finding a Small Business lender that is willing to lend about $18,000 for a working capital loan... I have a solid business plan, excellent financial forecasts, and my drive and passion for my business is definitely loud and clear!
Unfortunately, due to the fall of the economy back in 2008 - My family and I suffered some pretty bad financial set backs and are still digging ourselves out slowly but surely... (There were never any bankruptcies, liens, or lawsuits, just a bunch of late payments that ended up in collections.)
However, because of this, my credit scores are still suffering - and I'm turned down each and every time because of where they stand... (My Credit Scores are about 560-595...) I'm working very hard on fixing this - and take complete responsibility for my debts and am committed to paying every sent back....
I would love any input, advice, resources or suggestions! Thank you SO much for your time - I appreciate it SO much!