Last year's income poses challenges in securing funding due to doubts about managing debt and repayment. Facing a bank's refusal "due to its size" might be seen as an excuse by funders. Smaller banks can still support your project by leveraging their services or participating in loan syndication. Building trust with lenders or investors becomes tough however. Alternatives like grants or partnerships valuing skills could help. Smaller banks can collaborate for larger loans or refer to other sources. A poor business history can definitely complicate funding. Consider hiring a specialist to enhance your financial situation.

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