Kenney Conwell

Stop guessing what banks see. Our workshop reveals your fundability score, showing exactly what you need to increase it. Get a clear roadmap to boost your score and learn strategies to implement.

SBA isn't the only way to buy a business.
For years, the Small Business Administration was the go-to for acquisition financing. And it absolutely still has a place. But here's what we're seeing now:
Some sellers won't work with SBA-backed buyers. Some deals aren't SBA eligible because everything has to check every single box to pass. That doesn't mean it's a bad business—it just means SBA won't do it.
So what are the alternatives?
Private Credit:
One of the fastest growing industries right now. Private credit is essentially private debt funds that deploy capital as a senior lender on a deal instead of a bank. They're typically more flexible than banks, more creative, and they're willing to do deals that traditional lenders won't touch.
Family Offices:
A family—or a conglomerate of families—that pool their personal funds together and deploy money into different investments. Family offices do equity investments in businesses and real estate, but they also lend. Debt is a tool they use as well.
Here's where it gets interesting: Some family office partners will provide the equity injection for buyers if they like the buyer and the deal. That means buyers on those deals could put very little out-of-pocket when everything aligns.
SBA is one option. It's not the only option.
Go to to learn how to access capital strategically 💰

If you leverage properly, you don't have to pay taxes.
Let me break this down.
The tax code incentivizes certain behaviors and disincentivizes others—based on how you're set up. When you understand that, you can use the system in your favor.
Here's a key principle: Loans are not considered taxable income.
That means leverage is a legal way to access money and equity without triggering a taxable event. You avoid taxes. You keep more capital. You further the cycle.
A lot of people look at the IRS as the enemy. But if you understand the rule book—if you understand what they want you to do—you'll realize there's a lot of opportunity built into the system for those who are set up correctly.
It's like any other game. When you're born in America, you signed up whether you like it or not. It's up to you to learn the rules.
You can get upset about not knowing the rules. Or you can learn them and get with it.
The IRS gives you a choice. What you don't learn, you will pay for in ignorance.
Go to to learn how to leverage the bank and keep more of what you make 💰

Let me break this down.
If Shaquanna and I wanted to raise money, we have 2 options:
Option 1 — Get investors
Option 2 — Partner with the bank
Before you decide, answer this question:
Do you want to go far—or do you want to go fast?
Here's what most people miss:
Going far and going fast conflict with each other.
If you choose to get an investor, you are immediately giving up future equity and opportunity. You're handing over ownership before you've even built the thing.
For those of you with W-2 incomes, I want you to adopt this mindset: If you want to go far, you have to be strategic about how you access capital.
The bank doesn't take equity. Investors do.
One path keeps you whole. The other costs you ownership from day one.
So I'll ask again: Do you want to go far or do you want to go fast?
Go to to learn how to partner with the bank and keep your equity 💰

Your credit score is irrelevant.
What really matters is your credit report—how you look on paper when you don't need the money.
That's why we created the Fundability Score: an algorithm that goes from 0 to 100.
You can have a 700 credit score and still have a 60 fundability score—because there are things on your credit report that don't look good to banks.
Here's the framework:
Step 1 — Get your Fundability Score to at least 90-95. That's the baseline.
Step 2 — Have a business entity already established, ideally 2+ years old. So many people have dormant LLCs sitting there, then they go start a brand new one. Use the older LLC first—banks want to see time in business.
Step 3 — Verifiable income sources. Do you have a W-2 job? Great. Rental income? Even better. Getting 1099s? Consider routing them through your older LLC so the business shows cash flow.
Step 4 — Debt-to-income ratio. Even with a great business structure, if your monthly verifiable income minus your minimum debt load is too tight, banks will still say no.
Here's what most people miss: They think verifiable income is only what they make from their job. But they have rental income, side income, 1099s—money they're not reporting properly. That causes their DTI to be higher than it needs to be.
These are the fundamentals of fundability.
Go to to get a copy of your Fundability Score and see exactly where you stand 💰

Your personal credit directly impacts your business credit. Most people don't realize this.
Banks will give you 70% to 200% of your highest personal revolving trade line on business credit cards.
Here's an example:
If your highest revolving trade line on your personal credit is $10,000, you can anticipate getting a $7,000 to $20,000 business credit card from one bank.
So the strategy is:
Step 1 — Request a limit increase on your personal credit first.
Step 2 — Implement a Profit First system to manage your cash flow.
Step 3 — Open your business checking account with a bank like Chase, knowing you could potentially get double your highest personal revolving line on a business credit card.
Stack 2, 3, 4, or 5 business credit cards at $20K per card, and now you have unsecured funding you can deploy at will.
Here's why cash flow matters in this equation:
In 2018, I got my first American Express Gold card. They gave me 4x rewards points on Facebook ads. That means if I spend $10,000 on marketing, I'm earning 4x that in rewards points—which I can use for travel and other expenses.
If you're already spending money on marketing, you might as well earn rewards on the same dollar.
Go to to get capital and learn how to leverage the bank strategically 💰

Are you constantly making money but feel like you're crashing? That's going 'fast.' Going 'far' means strategically managing your money, investing, and minimizing taxes. It's about control and growth, not just earning. Where do you want to be?

Most small business owners assume government contracts are for established companies with years of history. That assumption is leaving real money on the table.

Here's what most people don't know: there's something called the Simplified Acquisition Procedure — and it was specifically created by the SBA to make it easier for small businesses to win contracts under $250,000.

The purpose of the Small Business Administration is to help small businesses make money. These contracts — up to $250,000 — were made for exactly that.

And here's what that looks like in practice: if you win a service contract under this threshold, even if your business is only six months old, that contract is going to pay directly to your business bank account. With average profit margins around 20% on a $250,000 contract, you're walking with $50,000 in profit.

Your business being young doesn't disqualify you. The simplified acquisitions threshold exists precisely so that new and small businesses can compete.

This is one of the most accessible — and most overlooked — capital and revenue strategies for business owners right now.

Comment CONTRACT and let's talk about how government contracting fits into your business strategy.

Start today by getting a copy of your Fundability Score →

There are two types of buyers in this market right now.

The first type shows up with good intentions, reaches out about deals, and wonders why nobody calls them back. The second type has already done the work before they ever contact a broker.

Here's the reality: brokers evaluate buyers constantly. And it has nothing to do with how much money you say you have. It's about whether you're looking at deals that are realistic for your actual situation — your credit profile, your liquidity, your deal size range.

When someone comes to a broker and says "we're gonna figure out how to get the money" on a $15 million deal — that's someone who just isn't being taken seriously. That's someone who doesn't have a real strategy, and brokers know it immediately.

Being a real buyer means having a real strategy of what you're doing, what you're looking for, and having real capital aligned behind you.

Comment SERIOUS and let's figure out exactly where you stand.

Start today by getting a copy of your Fundability Score →

Inexperienced buyers chase the price.

If they really want the deal, they'll just give the seller their number — no questions asked.

Then the lender comes in, evaluates all the risks, and comes back with a number that doesn't work.

Now you're three months in, the seller's frustrated, and the deal is dead.

A buyer who actually knows what they're doing goes to the seller and says — "I want to get you your $2 million. Here's the issue: because of X, Y, and Z, the most a lender is going to do on this deal is about a million four. We're going to have to make up the difference in either a seller note or an earn-out. I'm telling you this upfront so we don't end up in a bad spot three months from now."

That's price versus terms. And sellers respect that approach. They actually do.

Comment TERMS below and let's talk about how to structure your next offer the right way.

Start today by getting a copy of your Fundability Score →