💼 The Path to Bigger Loans & Credit Lines
The Startup Story: From $0 to $200K Months
Let's paint the picture with real numbers so you see how fast this can snowball.
Month 1: The Launch 🚀
A new business starts with $100K in 0% business credit. They decide to test with just $20K available, but only put $2K into ad spend to start.
CAC (Cost to Acquire a Client)
$200
Revenue per Client
$500
ROAS
2.3–2.5x
With $2K in ad spend:
  • They acquire 10 clients.
  • Revenue = $5K.
  • Net profit = $3K (not counting other cost).
They didn't even touch the full $20K budget — but already proved the machine works.
Month 3: Momentum Builds
Confident in their system, they scale spend closer to the $20K budget.
This pushes monthly revenue to $15K and climbing.
Month 6: Scaling Up
Systems are dialed in → CAC stays the same, sales team is closing. Revenue reaches $40K/month.
Month 9: Stability
With client acquisition consistent and delivery smooth, they stabilize at $50K/month.
Month 12: First Year In
They finish Year 1 with $80K/month → $960K/year in revenue.
Now it gets exciting:
Banks take notice
With $1M in annual revenue, they qualify for a business line of credit (BLOC)
Rule of thumb: 10% of revenue → $100K BLOC
Plus, since it's been 12 months, they can stack another $100K–$200K in 0% funding.
Now they've got $200K in new capital to scale even harder.
Month 24: Year Two Growth
Revenue grows to $200K/month → $2.4M/year.
Why This Works Long Term
Build Credit Profile
Business credit cards build your business credit profile. Each round builds more history.
Better Terms
More history = larger approvals and better terms over time.
Exponential Scale
The cycle: 0% → growth → loans → more 0% → repeat → exponential scale. Better approvals and terms on equipment financing, working capital, and expansion capital.
Action Step

👉 Map out what you'd spend your first $20K in 0% funding on. Would it be ads, sales staff, or equipment?
👉 Post in the community: If you had $100K in funding, how much would you put into growth this month?