The Rich Somers Report How He Unlocked $1.5M of 0% Business Funding Without Tax Returns - Evan Rugan E452
Jan 20, 2026
Evan Rugan, founder of LetsGetFunded and a business funding expert, reveals how he secured $1.5M in 0% business funding without tax returns. He discusses the critical importance of entity setup and credit positioning in gaining access to capital. Evan highlights the role of personal credit early on and shares strategies for building strong relationships with banks. Plus, he unveils tactics for maximizing credit limits and the benefits of 0% funding in boosting business growth. This insightful conversation is a game-changer for aspiring entrepreneurs!
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De‑Risk Your Application Language
- Avoid saying “I work in real estate” when applying; use less restrictive NAICS wording like property management.
- Remove credit inquiries before applying to stop appearing desperate to lenders.
Clean Reports; Don’t Freeze Verification
- Do remove old inquiries and previous addresses, and avoid freezing credit before applying.
- Fix negative items at their data source (Dun & Bradstreet, Experian) rather than masking them.
Use Relationship Managers
- Use a relationship manager to push your application to the top and prove the file's legitimacy.
- Tilt the odds by assigning someone who the bank recognizes and trusts to your file.