This is a CA LLC with an EIN

I will be filing my taxes mid-January to have my second year in business down.

I have been wanting to get an SBA loan to expand into larger projects (General Contracting Business).

The thing is, I reported pretty dam low last year, Like less than 10k. Which I KNOW is a stupid move when trying to get funding. But, Looking at the past year, I am pulling in $10k - $15k/mo in invoices on avg.

I want to get an SBA loan, unfortunately, my personal credit got a hard hit due to a mistake I made a year ago (Didn’t pay a creditor). My biggest concerns are, How much will my personal credit affect the business’s credit, and what are the best strategies for getting an SBA?