This week on Sideways Rain, we sit down with Darryl Appiah, a small business loan officer with CDC Small Business Finance and Momentus Capital, to break down one of the most stressful (and misunderstood) parts of building a business: getting funding.But this isn’t just a conversation about spreadsheets and credit scores — it’s about people. Darryl shares how his team looks beyond the numbers to understand the entrepreneur behind the idea, especially for first-time founders, startups, and those stuck between bootstrapping and scaling.From building your first financials to why you shouldn’t write everything off on your taxes, this episode is packed with insights, education, and encouragement for anyone chasing a dream with limited resources.Key Takeaways:What lenders really look for (and what they don’t)How to prepare a business plan and projections that get attentionCommon misconceptions first-time founders have about small business loansWhy separating personal and business finances is non-negotiableHow to build a financial “paper trail” even if you’re just getting startedCDC Small Business Finance Loan Highlights:No minimum credit scoreLoans from $30,000 to $350,000Startups only require 5% borrower injectionNo collateral required10-year term, no prepayment penaltyAvailable nationwideAcceptable use: working capital, equipment, debt refi, tenant improvements, inventory, commercial real estate (25-year term)📞 Contact Darryl Appiah:Loan Officer, CDC Small Business Finance / Momentus Capital📍 Based in Washington D.C., Maryland & Virginia📧 [email protected]📞 571-541-0283🌐 cdcloans.com

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