If you can not find an "actual" lender to lend to you, no matter where theory goes, it does not matter.
2. Lender basically cares about cash flow and balance sheet (asset vs liability).
Your business basically breaks even without much left. I doubt the gross business income will be counted as "income" as it does not improve your overall cash flow.
Again, what anybody else says does NOT matter. You'll need to get an actual lender to endorse.
