Your Questions,
Our Honest Answers

We're a funding + coaching hybrid that educates, strategizes, and secures capital for entrepreneurs. Unlike banks (who just approve or deny) or predatory lenders (who approve anyone with terrible terms), we coach you to funding-ready first — then fund you when you're positioned to succeed.

Banks reject without explaining why. We diagnose the issue, create a roadmap, and coach you through execution. Even if you're not ready today, you leave our audit with a clear 30-90 day plan.

We've funded 200+ clients in the last 12 months. You can read case studies on our Results page. We're transparent about fees, process, and timelines. No 'too good to be true' promises.

No. Our initial audit uses a soft credit pull — zero impact on your score. If you move forward with funding, we may do a hard pull, but we'll tell you before that happens. Most clients see their credit score IMPROVE after working with us.

There's no hard minimum. We've funded clients with scores as low as 590 (with a strong roadmap). That said, 620+ makes approval easier. If your score is below 620, we'll likely build a 30-90 day plan to optimize it first.

Credit stacking is the strategy of layering multiple funding sources (business credit cards, term loans, lines of credit) to access $50K-$250K+ without maxing out any single source. It's about strategic diversification and smart credit management.

If you're funding-ready: 24-48 hours from application to approval. If you need credit work: 30-90 days for optimization + 24-48 hours for funding. We'll give you a clear timeline in your audit.

We don't just deny and disappear. We show you exactly why (credit utilization? thin credit file? insufficient revenue?), create a 30-90 day action plan, and coach you through it. Then you reapply when ready.

Absolutely. That's the point of partnership. As your business grows and your credit improves, you get easier access to larger funding amounts. Most clients start with $10K-$25K and scale to $50K-$100K+ within 12-18 months.

Our origination fee is 9%. You only pay after you get funded — never before. No hidden costs. No surprises.

No. We're 100% transparent. The 9% origination fee is only charged after you get funded. Monthly payments are fixed (no variable rates that spike later).

No. The audit is free. Always.

No. You only pay if you get funded. If you're not ready yet and we build a roadmap, there's no charge for the coaching. We make money when YOU get funded — that's the incentive alignment.

For the audit: nothing. We just need to talk. For funding: business bank statements (3-6 months), basic revenue info, and ID. If you don't have everything ready, we'll tell you exactly what to gather.

Not necessarily. Many of our clients are sole proprietors. That said, having an LLC or S-Corp can make funding easier (and protects you legally). We'll advise you on when it makes sense to incorporate.

Most lenders want 6-12 months of business history. If you're newer than that, we'll likely build a roadmap to get you there (and show you how to build credit in the meantime). Some clients with strong personal credit can get funded earlier.

Almost. You can use it for hiring, marketing, equipment, inventory, or operating expenses. You CAN'T use it for personal expenses (vacations, car payments, etc.).

If it drops significantly between audit and funding, we may need to reassess. But if you're following our roadmap, your score should IMPROVE, not drop.

You're not a one-time transaction. We stay in touch via quarterly (Starter) or monthly (Scale) check-ins. As your business grows, you get easier access to larger funding. Many clients start at $10K and scale to $50K-$100K+ over 12-18 months.

Absolutely. That's the whole point of partnership. Once you've been funded and made on-time payments for 6-12 months, you're positioned for larger amounts.

We're not a credit repair company (we don't remove negative marks or dispute items). But we DO coach credit optimization: utilization strategies, payment timing, credit mix, and separation of personal/business credit. Most clients see score increases of 40-120 points.