In 2025, access to capital isn’t optional. It’s essential.
Yet thousands of small business owners are still stuck in the past—making funding decisions based on bad advice, outdated assumptions, and fear.
These myths don’t just waste time—they cost opportunities, growth, and even entire businesses.
Let’s clear them up once and for all.
❌ Myth #1: “I Need Perfect Credit to Qualify”
This one comes up all the time.
And while it may still be true for some traditional banks, it’s not the standard anymore.
Alternative lenders now focus on real-world performance, not just a credit score. At LumenPoint Capital, our funders care about:
Consistent monthly revenue (typically $20K/month or more)
6+ months in business
Clean, consistent bank statements
💡 We’ve helped business owners with mid-600 credit scores secure $30K to $250K in funding—because their cash flow and business health made sense.
❌ Myth #2: “All Debt Is Bad Debt”
There’s a huge difference between destructive debt and strategic capital.
Using funding to plug constant financial holes? That’s a red flag.
But using capital to:
Expand operations
Launch a marketing campaign
Hire staff to meet demand
Stabilize seasonal cash flow
…that’s smart business.
With Merchant Cash Advances (MCAs), you repay as your revenue comes in—no fixed payments, no monthly pressure. It’s about flexibility and control.
❌ Myth #3: “Financing Means I’m Failing”
This is one of the most damaging myths of all.
Truth is, the smartest entrepreneurs seek funding before they need it.
They act early to gain leverage, better terms, and more flexibility.
⚡ Case in Point: Five Guys
They were a modest burger shop in Virginia.
Then they took on outside capital.
Today? Over 1,700 locations and $1.7B in revenue.
Same burgers. Same brand.
The only difference?
They moved faster than their competitors.
📉 Why This Matters in 2025
According to Business Insider, 1 in 5 businesses fail in the first year. By year two, nearly 35% are gone.
The top reason? Lack of capital.
Not bad ideas.
Not poor work ethic.
Just not enough runway.
And often, the damage isn’t immediate.
It’s the small leaks:
A missed payroll
A delayed inventory shipment
A lost chance to expand
Strategic capital is the bridge between surviving and scaling.
💼 Why LumenPoint Capital?
We’re not a random broker network or a funding chatbot. We’re a team of real operators who’ve:
Scaled national sales teams
Raised private equity
Built trusted relationships with top-tier funders
We bring all that to the table—for you.
🚀 Want to See What You Could Qualify For?
If your business makes $20K+/month, we can help you:
✅ Explore funding between $30K and $1M+
✅ Compare offers from top lenders
✅ Get funded fast—often in 24 hours
🎯 Pre-qualify in under 60 seconds [Insert Application Link]
📞 Or book a no-pressure strategy call with our team.
🏁 Final Word
The biggest threat to your business might not be what you think.
It’s waiting too long to act.
Let’s stop letting myths dictate your next move.
Let’s get you positioned for clarity, confidence, and capital—so your next chapter is your best one yet.
LumenPoint Capital
Built for Speed. Backed by Trust.