Banks aren’t keen on lending money to new businesses

Banks look at several factors, including past financial performance and plans for growth when determining whether or not to extend financing to a business. Banks are often conservative in their assessment of whether a business will succeed. All of these factors make getting a bank loan difficult—and they also mean that there’s no guarantee that you’ll get one even if you qualify for it in theory. 

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  1. Rockpoint ProbateDecember 15, 2025 at 4:56 AM

    Banks look at a long checklist—past financial performance, projected growth, and overall risk—before deciding whether to lend, and even then they tend to be conservative with no real guarantee of approval. That’s why alternatives like Rockpoint Probate Funding can make sense for heirs: instead of waiting on a bank’s decision, you can access a portion of your inheritance now without credit checks or monthly payments, easing financial pressure while probate runs its course.

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