If you take your business plan along with your personal balance sheet to the lender, then you'll be able to discuss options. Traditionally, the lender looks at your net worth (assets less liabilities) along with your credit score and business plan. There are usually a variety of ways to finance businesses and your lender should be able to discuss options as they relate to your specific situation.
Sound tax and accounting procedures are essential to growing a financially secure company. But multiple hiccups threaten the accuracy of these processes, elevating the risk of compliance penalties and reputational harm.