Three Steps from Denied to Funded
Simple. Strategic. Transparent.
The Fix Banks Won't Tell You
A step-by-step process designed to get you funded — not just applied.
Assess Where You Are
Most funding companies start with an application. We start with a conversation.
Book a free 15-minute Funding Readiness Audit. We'll run a soft credit pull (zero score impact) and look at:
- ✓Your current credit score and utilization
- ✓Personal vs. business credit separation
- ✓Time in business and revenue
- ✓Documentation readiness
Option A: You're funding-ready. Great. We move to Step 3 in 24-48 hours.
Option B: You're not ready yet. We create a 30-90 day action plan with specific steps to get there.
Free Assessment
No commitment. No hard pull.
Custom Roadmap
Tailored to your exact situation.
Build Your Roadmap
If you're ready, we skip this step and move to funding. If you're NOT ready yet, we build a custom roadmap:
Credit Optimization:
- Lower your utilization (the #1 reason for denial)
- Pay down high-balance cards strategically
- Open new business credit lines (if applicable)
Documentation Prep:
- Business bank statements (3-6 months)
- Profit & loss statements
- Business plan or revenue projections
We don't just hand you a PDF and disappear. We coach you through execution with strategy sessions and ongoing support.
Execute & Fund
You implement the roadmap. We stay in your corner. When you're funding-ready:
- 1Application: We submit your funding application (typically 24-48 hours)
- 2Approval: Clear offer with transparent terms (9% origination fee — only after you get funded)
- 3Funding: Capital deposited into your business bank account
- 4Partnership: We stay with you as a funding partner (not a one-time lender)
As your business grows, you get easier access to more capital. No re-application from scratch.
Get Funded
Capital in your account.
How Long Does This Take?
Scenario 1
Already Funding-Ready
- Assessment: 15 minutes
- Roadmap: Not needed
- Funding: 24-48 hours
Scenario 2
Need Credit Optimization
- Assessment: 15 minutes
- Roadmap: 30-60 days
- Funding: 24-48 hours
Scenario 3
Need Major Credit Work
- Assessment: 15 minutes
- Roadmap: 60-90 days
- Funding: 24-48 hours
The good news? Even if you're Scenario 3, you leave the audit with a clear plan. Most funding companies just say “no.” We say “not yet — here's how.”
What to Expect
Transparency is everything. Here's exactly what happens at each stage.
Honest Diagnosis (Not Sales Pitch)
During your audit, we're not trying to sell you. We're diagnosing your funding readiness. If you're ready, we'll tell you. If you're NOT ready, we'll tell you that too — and explain exactly why.
Example: “"Your credit score is 680, which is good. But your utilization is 72%, which is why banks are denying you. Here's how to fix it in 60 days."”
Clear Roadmap (Not Vague Advice)
If you need credit work before funding, we don't just say "improve your credit." We give you a specific action plan with timelines and steps.
Example: “"Pay $2,500 toward Card A by March 15. Pay $1,800 toward Card B by March 30. Don't open new accounts. Reapply April 10."”
Ongoing Support (Not One-and-Done)
We're not a one-time lender. We're a funding partner. After you're funded, we stay in touch via quarterly (Starter) or monthly (Scale) check-ins.
Example: “"You got funded $20K six months ago. Your score is up 40 points. Let's talk about $50K for your next phase."”
No Hidden Fees (Just Transparent Terms)
Our origination fee is 9% — and you only pay it after you get funded. Monthly payments are fixed. No surprises. No hidden costs.
Example: “"$20K loan. 9% origination fee ($1,800). 24-month term. $920/month payment. You only pay after you get funded."”