Frequently Asked Questions

Start by clicking "Get Your Funding Plan" anywhere on our site. You'll complete a short application that takes about 3 minutes. We'll review your profile and a dedicated advisor will reach out within one business day to walk you through your options and next steps.

Yes. Your initial profile review and consultation are completely free with no obligation. We'll assess where you stand, explain your options honestly, and recommend a path forward — whether that's our Foundation program, a direct funding match, or simply pointing you in the right direction if we're not the right fit.

For your initial assessment, we'll ask for basic information: your credit score range, estimated monthly revenue, how long you've been in business, and what type of funding you're looking for. We don't need tax returns or bank statements at this stage — those come later if you proceed with a full application.

Yes. We have programs specifically designed for startups and newer businesses, including 0% business credit cards and credit stacking strategies that don't require years of business history. If you have solid personal credit (670+), you may qualify for meaningful funding even with less than 12 months in business.

We work with all credit levels. Scores below 580 typically start with our Foundation (credit repair) program. Scores from 580–669 qualify for entry-level products like credit cards. Scores of 670+ unlock our full funding suite including BLOCs, term loans, and stacking strategies. Scores of 740+ open premium programs including SBA loans.

No. Our assessment and pre-qualification process uses soft inquiries only — your score won't drop just because you're exploring your options. Hard inquiries only happen at the point of final application, and we time and batch those strategically to minimize any impact on your profile.

Absolutely. That's actually where we do some of our most meaningful work. Our Foundation program is designed specifically for business owners who aren't funding-ready yet. We dispute negative items, optimize your credit profile, and remove excess inquiries to get your score where it needs to be. Most clients see measurable improvement within 60–90 days.

Both can be relevant depending on the funding type. Many business credit products (especially early-stage) rely heavily on personal credit. As your business credit profile matures, more programs shift toward business credit reporting (Dun & Bradstreet, Experian Business, etc.). We advise you on how to build both in parallel.

We provide access to 0% introductory business credit cards, credit stacking strategies, business lines of credit (BLOCs), term loans, SBA 7(a) and 504 loans, equipment financing, merchant cash advances, and more. The right product depends on your credit profile, revenue, time in business, and goals.

Credit stacking is the strategy of applying to multiple business credit card issuers simultaneously — in a single 30-day window — to maximize the total credit you can access at 0% introductory rates. Because all applications are batched, you minimize the number of hard inquiry cycles. This strategy can put $50K–$200K+ in your hands at zero interest for 12–18 months.

A business line of credit (BLOC) is revolving — you draw funds as needed and only pay interest on what you use, similar to a credit card but often with higher limits and lower rates. A term loan gives you a lump sum upfront that you repay over a fixed period with set monthly payments. BLOCs are better for flexible, ongoing needs; term loans are better for specific, defined purchases.

SBA loans generally require a credit score of 650+, at least 2 years in business, profitable operations (or a strong business plan for startups), and the ability to document income through tax returns and bank statements. The SBA 7(a) program goes up to $5M and offers some of the most competitive rates available. We guide you through the full documentation and submission process.

For credit-ready clients: credit card stacking can fund in 24–72 hours. BLOCs and term loans typically take 1–3 weeks. SBA loans take 30–90 days due to documentation requirements. If you start with our Foundation program first, we target credit-readiness within 90–180 days, followed by fast-tracked funding.

Results vary based on what's on your report and how quickly bureaus respond to disputes. Most clients see meaningful improvement within 60–90 days. Collections, charge-offs, and late payments that are successfully disputed can boost your score by 30–100+ points. We provide monthly reporting so you always know where you stand.

A dedicated advisor reviews your profile and reaches out within one business day. From there, we schedule a strategy call to walk through your options and build your funding plan. If you're credit-ready, we can begin the matching and application process immediately. If credit work is needed first, we'll outline the Foundation program and timeline.

We charge for our Foundation and Funding advisory services — these are clearly explained before you commit. We may also receive referral compensation from lenders when we match you to a product, similar to how a mortgage broker operates. We always disclose this and never let it influence what we recommend. Your best outcome is our business model.

The initial consultation is free. Our Foundation and Funding programs have associated service fees that we explain in full before you sign anything. We believe in complete transparency on costs — if you're not comfortable with our fee structure, we'd rather you know that upfront than discover it later.

No obligation whatsoever. Submitting your profile gives us what we need to give you an honest assessment. You can choose to move forward, or not — it's entirely your call. We don't believe in pressure tactics and our advisors are not commissioned on whether you sign up.