One of the most rewarding aspects of my career has been finding innovative ways to empower people who, despite their determination and potential, have been overlooked by traditional financial systems. Over the years, I’ve encountered countless individuals with strong credit profiles and ambitious entrepreneurial dreams but who lacked the income verification or traditional financial history to secure funding. For these marginal borrowers, the Burns Funding Method has proven to be a game-changer, opening doors to opportunities they once thought were out of reach.
The Challenge Facing Marginal Borrowers
The term “marginal borrowers” might sound technical, but it simply refers to individuals who fall just outside the strict criteria set by conventional lenders. These borrowers often have good credit and a solid work ethic but don’t have the kind of W-2 income or business structure that banks typically require.
For many of these individuals, traditional lending institutions are a dead end. The barriers aren’t always about financial mismanagement—they’re often about a system that isn’t designed to accommodate self-employed individuals, people with fluctuating income, or those pursuing unconventional business paths. Unfortunately, this leaves many talented and driven entrepreneurs without the resources they need to get their businesses off the ground.
How the Burns Funding Method Works
The Burns Funding Method was born out of my desire to address this gap. At its core, it’s about finding creative solutions that leverage the strengths of these borrowers rather than penalizing them for not fitting a rigid mold.
The method combines innovative tools like credit card cash conversion, seasoned shelf corporations, and LLC enhancements to help individuals access significant unsecured capital. The process is tailored to the unique needs of each client, ensuring that even those with limited financial documentation can find a pathway to funding.
For instance, one key component of the Burns Funding Method is the use of seasoned shelf corporations. These pre-established business entities come with their own credit histories and trade lines, enabling borrowers to qualify for substantial funding—often in the range of $200,000 or more. By tying the debt to the corporation rather than the individual, we eliminate personal liability, protect credit scores, and give clients the financial flexibility they need to pursue their goals.
Success Stories That Inspire
What makes the Burns Funding Method so impactful are the real stories of people whose lives have been transformed by it. One such individual is a truck driver who dreamed of purchasing a piece of commercial property. Despite his solid FICO score and strong work ethic, he struggled to secure funding because of his self-employed status. Through the Burns Funding Method, we helped him acquire a seasoned shelf corporation for just under $12,000, funded by converting untapped credit on his existing cards. Within 50 days, he secured over $200,000 in capital, allowing him to make the down payment on his property.
Another client was in a similar situation: strong credit but little to no verifiable income. He, too, used the credit card cash conversion strategy to fund the acquisition of a seasoned LLC. This process unlocked over $200,000 in funding for his start-up venture and set him on a path to long-term success.
Then there’s the case of a client who owned three existing LLCs. By enhancing these entities through the Burns Funding Method, we helped him secure $750,000 in funding across all three businesses. This capital has enabled him to expand his operations and invest in new opportunities, all without impacting his personal credit or financial stability.
Why the Burns Funding Method Matters
The Burns Funding Method isn’t just about accessing capital—it’s about leveling the playing field. It’s about recognizing that the current financial system doesn’t work for everyone and creating solutions that make entrepreneurship accessible to a broader range of people.
For marginal borrowers, the method provides more than just funding. It offers peace of mind. The non-recourse nature of the loans means that even if the business faces challenges, personal assets and credit remain protected. This allows borrowers to take calculated risks and focus on growing their businesses without the fear of financial ruin.
The method also fosters confidence. Many of our clients come to us feeling disillusioned by a system that has repeatedly turned them away. By showing them a path forward and helping them achieve tangible results, we not only provide financial support but also restore their belief in their own potential.
Paving the Way for Inclusive Entrepreneurship
The Burns Funding Method is more than just a solution for today—it’s a blueprint for the future of entrepreneurial finance. As traditional lending becomes increasingly restrictive, creative and flexible approaches like ours will play an even more critical role in supporting innovation and economic growth.
For me, this work is deeply personal. I’ve built my career on the belief that entrepreneurship should be accessible to anyone with the vision and determination to succeed. The Burns Funding Method embodies that belief, offering a lifeline to those who have been excluded by conventional systems and giving them the tools they need to thrive.
Whether it’s a truck driver buying his first piece of commercial property, a start-up founder launching a new venture, or an established business owner looking to scale, the Burns Funding Method has proven time and again that no dream is too big when you have the right support.
In the years to come, I look forward to helping even more people turn their dreams into reality. Because at the end of the day, that’s what the Burns Funding Method is all about: empowering individuals, building businesses, and creating opportunities that change lives.