Help i have been refused a UK Visitor Visa v4.2 (a)(c)

[CNP]

i have applied for a UK visitor visa for the first time and have never travelled before, i used an agent in India to help with collating the correct documents. i have my own clothing retail shop and it has been up and running for 2 years now.

i was refused based on my bank statements not showing the correct income generated from my business
the agents i used put down that i have £100 to spend for my trip to england.

also that i cannot demonstrate the origins of my funds (i sell clothing i get paid cash)

has this ruined my chances in EVER re applying? im kicking myself over these errors and i feel these are pretty harsh apart from the £100 Spending money

please help

[Casa]

You can certainly re-apply, but you'll have to submit more convincing evidence....and perhaps choose a better agent or prepare your own application

[CNP]

Dear Casa

thank you for your response - im very worried as this was my first application and it got refused. i hope this hasn't ruined my chances to reapply - other forums say Refusal V4.2 (a) (c) Are considered quite serious