Dsuriff, not sure what you mean by credit card loans. Is that an advance on future credit card sales? Or do you mean the cash advance on your credit cards?
The loans I am talking about have nothing to do with credit cards. They are straight up lines of credits or flat term loans. If you have a seasoned business of 2 years old or more and a great FICO, you can get loans of $100-300k all day long and it never hits your personal credit report other than as an inquiry.
Newer businesses can get smaller loans and work their way up to the big money.
Keep as much of your business debt off of your personal credit as possible. DOnt use your personal credit cards to fund anything, if possible. If you ruin your personal credit, you are screwed to get business loans without a "credit partner".
There are ways to get the money you need but do it before you are so far in the hole that you are desparate. Easier to get money when you dont need it.
