Terrell Austin Scott founded Black Lamb Finance to help small business owners get funding when banks say no. With 11 years in a management role at a Fortune 100 bank and over 10 years in revenue-based financing, he has worked directly with business owners across restaurants, trucking, cannabis, e-commerce, construction, salons, and other industries to secure funding based on real revenue performance — not credit score alone.
His approach is straightforward: look at what the business actually generates, not just what a credit report says. That means real businesses that banks overlook — restaurants with cash flow but thin credit files, trucking companies with contracts but hard-to-document income, cannabis operators who can’t get a bank account at all — get a real shot at capital. To date, Terrell has helped small businesses access $50,000 to $1,000,000+ in revenue-based funding with fast approvals and minimal friction.
Terrell earned his MBA and attended Florida A&M University. He is also the owner of Black Lamb Logistics, giving him firsthand experience running an independent business — so when he talks about cash flow problems, payroll pressure, and the gap between what a business earns and what a bank will lend, he’s speaking from both sides of the desk.
Beyond finance, Terrell is passionate about entrepreneurship, helping others, and empowering people to better their lives. He believes access to capital shouldn’t be gated behind a credit score — it should be based on the work you’re already doing. When he’s not working with business owners, he enjoys traveling, cooking, lifting weights, and playing guitar.
Se habla español.
Connect: LinkedIn | terrell@blacklambfinance.com