The LLC Name & NAICS Code Strategy That Can 10X Your Approvals
Before banks ever check your credit score, they judge your business name and NAICS code. These two alone can trigger auto-denials, low limits, or force extra documentation.
High-Risk Industries That Get Flagged Instantly
Avoid these terms in your name or code:
Trucking
Automatically flagged as high-risk by most lenders
Real Estate Investing
Flipping and wholesaling trigger immediate scrutiny
Construction
Considered volatile and high-risk industry
Cannabis/CBD
Federal banking restrictions create barriers
Adult Entertainment
Immediate denial from traditional lenders
Financial Services
Credit repair, funding, crypto all raise red flags
Even with great credit, you'll be flagged as high risk.
Use a Safe, Neutral Business Name
Go with names that feel safe and boring:
Safe Terms to Use
  • "Consulting"
  • "Solutions"
  • "Management"
  • "Holdings"
  • "Group"
Examples:
  • Apex Solutions LLC
  • Graystone Holdings Group
  • Northview Management LLC
Best Low-Risk NAICS Codes
Top codes that work for nearly any business model:
01
541611
Administrative & General Management Consulting
02
541618
Other Management Consulting
03
541990
Other Professional, Scientific & Technical Services
04
531390
Other Real Estate Activities (safe RE code)
Every business consults in some way — even Airbnb or flipping.
Note: NAICS and SIC codes are often assigned automatically, and typically no action is needed of you.
How to Fix Your LLC Name or NAICS Code
Step 1: Change the Name
Change the name via your Secretary of State or Bizee
Step 2: Update the Code
Update the NAICS code with IRS or simply use a safe code on apps
What If You're in Real Estate?
❌ High-Risk Approach
"123 Properties LLC" or code 531110
This immediately signals real estate investing and triggers scrutiny from lenders.
✅ Low-Risk Approach
"Greyrock Consulting Group LLC" and code 541611 or 531390
You're still doing RE — just positioned as consulting for funding approvals.
Bottom Line
1
Banks fund boring businesses
2
The right LLC name + NAICS code = higher approvals
3
Stack $100K–$200K at 0% every 6–12 months
Ready to Get Structured the Right Way?
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120+
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$1M+
Credit Managed
I went from a 520 to 850 credit score and now manage $1M+ in credit
Take Action Today
Don't let a bad LLC name or NAICS code block your funding potential. The right structure opens doors to hundreds of thousands in business credit at 0% interest.
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