Why do U.S. banks require 2 years of business history but ignore actual performance? This feels unfair.

I’m honestly struggling to understand how business lending works in the U.S., and it feels deeply unfair.

Most banks require 2 years of business history. But what if your experience didn’t start in the U.S.?

I have 10+ years of experience running a business internationally. I started to the U.S. and officially registered my company in December 2024.

In 2025 alone, my business:
• Did $1.5M in revenue
• Generated $300K in profit

That’s not a “startup experiment.” That’s a proven, profitable business.

But here’s where it gets frustrating:
• I chose to be financially responsible and avoid credit card debt
• As a result, my personal credit score isn’t high
• Even though my business credit score is 880, lenders still focus on my personal credit

So what’s the point of “business credit” if it’s not actually used?

The system seems to reward people who:
• Take on debt
• Use credit cards regularly

And penalize people who:
• Avoid unnecessary debt
• Build real, profitable businesses

Because of this, people like me are pushed toward:
• 30–40% interest loans
• Just to access capital we already proved we can handle

It feels like major banks don’t actually support real entrepreneurs.
They support people who fit their system.

Meanwhile, those of us working day and night, building something real and profitable, are left out.

Am I missing something here? Or is the system really built this way?
If anyone knows lenders that actually work with businesses like mine, i’d really appreciate your advice. Thank you so much.