Why establishing business fundability matters and how to achieve it easily. Fundability matters. It’s so easy to get lenders to decline loan applications and creditors to not give you credit. Building a fundable business will help you get approved. The business will stand on its own. It can’t look like a hobby you do in your spare time, even if it started off as a side gig. Let’s look at your business name. One of the most common reasons for a loan and credit card application denials.