Get the Funding Your
Business Deserves.
Stop letting capital be the reason you can't scale. Keith helps everyday entrepreneurs navigate SBA loans, business lines of credit, equipment financing, and alternative lenders — without the runaround or broker fees.
Meet Neo.
Your EYH Guide.
Neo qualifies where you are in 60 seconds and points you to the right lane. No waiting. No sales call.
Lack of Capital Is the #1
Reason Small Businesses Fail.
It's not because you lack skill, hustle, or ideas. Most businesses that fail weren't bad businesses — they were underfunded ones. Banks don't lend to need. They lend to preparation. Keith teaches you how to become the borrower lenders say yes to.
Bootstrapping Forever
Using your personal savings and credit cards to fund everything keeps you in survival mode. Growth requires capital. Sustainable businesses separate personal and business finances early.
Personal credit maxed → business stallsOpportunity Costs You Can't See
Every deal you couldn't close because you didn't have working capital. Every contract you walked away from because you couldn't cover upfront costs. Every partnership that fell through because you were underfunded.
Missed contracts = real money left on the tableBanks Say No Without Telling You Why
Denials feel personal. They're not — they're informational. Banks use a specific checklist. If you don't hit every box, you're out. Keith decodes that checklist and helps you check every box before you apply.
Know the checklist → stop getting deniedWhat Keith Helps You Access
Banks are one option. Keith knows all of them.
SBA Loans (7a, 504, Micro)
Government-backed loans with the best rates and longest terms in the market. SBA 7(a) loans up to $5M for working capital and expansion. 504 loans for real estate and equipment. Microloan program for early-stage businesses needing under $50K.
Business Lines of Credit
A revolving credit limit you draw from as needed and repay, then draw again. The most flexible funding tool for working capital, payroll gaps, and inventory. Available through banks, credit unions, and online lenders.
Equipment Financing
The equipment itself serves as collateral, making this one of the easiest funding types to access. Works for vehicles, machinery, tech, HVAC, and more. Flexible terms from 12–84 months. Often accessible at 620+ credit.
Revenue-Based Financing
Funding based on your monthly revenue — not your credit score. You receive capital upfront and repay a percentage of daily or weekly revenue until paid. Best for businesses with consistent monthly income who need fast access.
Business Credit Building
Before you can access major funding, your business needs its own credit profile. Keith walks you through establishing your DUNS number, Paydex score, net-30 vendor accounts, and business credit cards — building business credit independent of your personal score.
CDFI & Grant Programs
Community Development Financial Institutions and grant programs exist specifically for underserved entrepreneurs — minority-owned, women-owned, veteran-owned, and low-income community businesses. Free money doesn't advertise itself. Keith helps you find and apply.
Let's Figure Out
What You Qualify For.
Fill out the quick form and Keith's team will review your profile. You'll receive a personalized funding roadmap — which programs fit your stage, what you need to qualify, and what your next 90 days should look like. No cost. No obligation.
Start Your Free Assessment
Takes about 2 minutes. No hard credit pull.
✓ Assessment submitted — you're in.
Keith's team will review your profile and reach out within 1–2 business days with your funding roadmap.
The Funding Readiness Checklist
Banks use a checklist. Here's what it actually says.
How the Funding Process Works
Four steps from where you are now to funded.
Submit Your Assessment
Fill out the funding intake form above. Keith's team reviews your revenue, credit profile, business stage, and funding need to identify your actual options. No hard credit pull. No commitment.
Get Your Funding Roadmap
Within 1–2 business days you receive a personalized roadmap: which programs you qualify for now, what needs to be fixed, and the fastest path to getting funded for your specific situation.
Build. Optimize. Prepare.
Keith guides you through the prep work — credit optimization, document gathering, business credit building, and lender matching. You go into every application fully prepared.
Apply with Confidence
Apply to the right lender, at the right time, with the right package. No more shotgunning applications and collecting hard inquiries. Just one well-prepared submission that gives you the best shot.
Funding timelines vary by loan type and lender. Keith's job is to make sure you never walk into an application unprepared — and never get denied for a reason that was fixable.
He Learned the System.
Now He Teaches It.
Keith Smith started where most entrepreneurs do — great skills, big vision, and zero access to capital. He watched promising businesses die not from bad ideas but from empty bank accounts. So he went to work figuring out how the funding system actually operates from the inside.
He learned SBA programs, credit qualification criteria, DSCR calculations, business credit infrastructure, and alternative lender underwriting — then put that knowledge to work for his own businesses and the entrepreneurs he coaches. The result: over $2.4M in capital accessed across his network.
Keith doesn't take broker fees. He doesn't submit applications on your behalf. He teaches you how the game is played so you can win it — and keep winning it every time you need capital.
They Got Funded. You Can Too.
⚠️ Keith: Replace with 3 real client testimonials before launch.
Include client name, business type, and specific amount/outcome.
"I'd been turned down twice before I found Keith. He showed me that my personal credit was the only thing standing between me and that loan. Six months later, I had a 712 and $75K to expand my shop. I went from surviving to actually building."
"I had the revenue, I just didn't know how to package myself for lenders. Keith helped me set up my business bank accounts right, build my business credit, and identify which lender actually fits my industry. $150K line approved in 3 weeks."
"I thought equipment financing was only for big companies. Keith explained I could use the equipment as collateral and get approved at 640. We had the machines I needed in 11 days. First month with the new equipment, revenue jumped 40%."
Common Questions About Business Funding
No fluff. Just what you actually need to know.
What credit score do I need for a business loan?
Most SBA loans require a personal score of 680+. Business lines of credit often start at 650+. Equipment financing can sometimes be accessed at 620+ with strong revenue. Alternative lenders and CDFIs have more flexible requirements. Keith reviews your complete picture — not just the score.
Can I get funding if my business is less than a year old?
Yes — options are narrower but they exist. Revenue-based financing, equipment financing, CDFI programs, and some microloan programs work for businesses 6–12 months old. Keith helps you find what fits your stage instead of getting denied by programs you weren't ready for yet.
Does applying for business funding hurt my credit?
Hard pulls from lenders typically drop your score 5–10 points temporarily. Multiple pulls within a 14–45 day window are often treated as one inquiry by scoring models. Keith's strategy is to prequalify you softly before any hard pulls are submitted — protecting your score throughout the process.
How long does the business funding process take?
Revenue-based financing: 24–72 hours. Equipment financing: 1–2 weeks. Business lines of credit: 1–4 weeks. SBA 7(a): 30–90 days. The preparation work — credit, documents, lender match — is what determines how fast you move once you're ready to apply.
What documents do I need to apply for a business loan?
Most lenders want: EIN and business formation docs, 3–6 months of business bank statements, 2 years of business and personal tax returns, a current profit & loss statement, and a business plan (for SBA loans). Keith provides a complete document checklist and reviews your package before submission.
What's the difference between a loan and a line of credit?
A loan gives you a lump sum you repay over a fixed term — best for one-time expenses like equipment or real estate. A line of credit is revolving — draw, repay, draw again — best for ongoing working capital needs. Keith helps you choose the right structure for your specific situation.
Do you submit funding applications on my behalf?
No. Keith guides you through the entire process — what to gather, how to prepare, which lender fits your profile — but you make all final decisions and sign your own applications. This is financial literacy education, not a brokerage service. Keith is transparent about this from day one.
I've been denied before. Can you still help me?
Almost always yes. Bank denials usually happen because of credit gaps, missing documentation, or applying to the wrong lender for your profile — not because you're unfundable. Keith reviews your denial reasons, builds a plan to address the gaps, and helps you reapply with the right lender at the right time.