I used to do come up with creative ways for folks in cash heavy businesses to get their money into the banks without raising flags. I enjoyed it alot for a bit. Before it got messy.

Easiest way is to start a business with a ghost LLC, hire a crackhead to go to the bank and couple times a week, have him put a decent amount of the cash into the bank (10k cap in act or less, increments of $600 or less). Then employ yourself full time, list yourself as an employee of the company, and log every payment you make (pay yourself with the cash that’s in the bank, and continue putting cash into the bank to replace the money you pay yourself with). Then find people who are happy to receive “services” for free. You write it up as you’re taking big payments from those people for said services. You employ crackheads to provide said services, while you “foreman” from a truck with A/C (which the company buys for you); and you enter more of the cash into the bank under the LLC as payments from customers. You do so until you’ve had enough business to deserve credit offers.

Then you leverage your own cash to get credit. You buy homes outright once you have enough capital. Then you pivot from providing services and you put your on the house(s) and start renovating them. Best bet is to buy inner city repos that need a lot of cosmetic work but have decent bones (structural, roof, hvac & electrical all good). Then you start renting those houses at 10-20% below market value. Ask for rent to be paid in cash. Create a property maintenance company, split some employees off, have them do property maintenance on the houses you own.

Boom, now you’re able to spend that cash 10 different ways. You’re doing property maintenance for yourself which is an influx for the cash into the banks. You’re able to spend the cash on home repairs so that you can increase the value of your properties without raising flags or spending the clean money you got. All the crackheads you’re employing you can pay with cash from the ghost LLC, so that’s also increasing your credit limit. You’re getting consistent “bonuses” from home owners for great service, and that’s another influx for the cash.

Eventually you can develop enough clean capital and accumulate more ghost LLC’s to where you can get into commercial properties like small apt complexes, strip centers, and other kinds of properties. And that’s when you can move bigger amounts of cash. When you own commercial properties, you can also own the business that are in those properties. At that point it’s best to step away from wherever the money is coming from because at that point you’ll have the ability to work with everyday people. And since all those businesses are paying themselves, and making quite a bit at it, all the “dirty” money you’ve accumulated will eventually get washed. And there’s no reason to continue both avenues when there’s plenty of money to be made once you’ve developed a nice and substantial “clean” capital base.