For the best approval odds, we recommend a 700+ FICO score. If your score is lower but you have minimal negative marks on your report, we can often help improve your profile before applying.

For clients with challenged credit, we typically recommend focusing on credit optimization first before pursuing funding. Our program includes step-by-step guidance to help improve your profile and increase your chances of qualifying down the road.

Many clients come to us with existing debt or high balances. Depending on the situation, we may recommend strategies like balance reduction, restructuring, or consolidation to improve cash flow and strengthen your funding profile.

This program is best suited for business owners with fair-to-strong credit who are serious about using funding strategically to start or grow a business. It may not be the right fit for those with heavily damaged credit or unrealistic expectations around “instant” results.

Depending on your qualifications, funding may come through unsecured business credit cards with introductory 0% APR periods ranging from 12–18 months, revolving lines of credit, or additional lending products designed to support business growth and cash flow. All funding is subject to lender approval and repayment terms.

Funding amounts vary based on factors like your credit profile, existing accounts, and business. Many clients can access $200K-$300K in funding across multiple rounds as their profiles continue to strengthen over time.

Funding timelines depend on how prepared your credit and business profile are at the start. Some clients are able to move within a week or two, while others may first need a short optimization phase before applying.

This is a done-with-you service.  We take a hands-on advisory approach to help position you for the strongest possible funding outcomes. You’ll complete some basic tasks throughout the process, but we guide you step-by-step the entire way. 

No funding approvals or amounts can be guaranteed, as all final decisions are made by banks and lenders.