Why Banks Don’t Have Your Back When You Need Cash: The Realities of Business Funding

I walked into the bank asking for $100K. They looked at me like I was crazy.

Sounds simple, right?

Think again.

I walked into the bank, expecting to walk out with a briefcase full of bills. But nope, they didn’t have it.

And that’s when it hit me: banks don’t really hold your money the way you think they do. They have wire limits. Cash on hand? Limited. And don’t even try to grab six figures in cash without jumping through hoops and dealing with delays.

When you’re an entrepreneur, you have to be ready for anything. Whether it’s seizing an opportunity, locking in a deal, or responding to the unexpected, sometimes you need cash — real, physical cash — at a moment’s notice.

And that’s where the frustration begins. Here’s the reality:

❖ Banks operate on their own timelines, not yours.

❖ Wire transfers are capped, and those caps can hold you back.

❖ Your money? Locked behind bureaucratic walls when you need it most.

I get it. We’re all used to digital transactions. Tap your card. Send a wire. Easy, right? But when you need cold, hard cash to make something happen quickly, you realize just how restrictive the system really is.

Being prepared is the key. When you’re dealing with banks, expect delays. And always have a plan B. Sometimes, cash is still king, despite all the digital advances.

If you’ve ever been in a situation where banks were more of an obstacle than an ally, you know the pain.

That’s why I’ve built Burns Funding to work differently. Fast, flexible, unsecured capital that works for you, without the usual red tape. Because if you’re in business, you need access to funds when you need them, not when someone else says you can have them.

Ever had trouble getting your hands on your own cash? Let me know in the comments below. And if you’re ready for funding without the hassle, let’s talk.