We work best with clients who have a 700+ FICO score. If you're below 700 but have clean credit (no collections, charge-offs, or late payments), we may still be able to help after some optimization.

If your score is below 650, or you have multiple negative marks, you'll need to focus on credit repair before funding makes sense. Inside our program we have a complete walk though on how to do it yourself or you can use our DIY credit repair software (CreditRehab Pro). Once your credit is clean and in the high 600s or above, reach out and we can revisit funding.

High utilization (over 30%) drags down your score and signals risk to lenders. Before we start funding rounds, we'll need you to pay down your personal credit card balances to under 30% utilization and under 50% for revolving business accounts. If that's not possible, funding will be limited. If needed, we also help with debt consolidation and restructuring to improve cash flow and lendability.

This isn't for you if: your credit score is below 650, you have multiple collections or charge-offs, you're looking for a "get rich quick" scheme, or you're not willing to put in about an hour per week of work.

Funding is typically in the form of unsecured credit cards and business lines of credit. Most of them will include 0% APR introductory periods between 12-18 months. All funding must be repaid according to lender terms.

First round is typically $50K-$125K depending on your credit profile and business history. Over 2-3 rounds (6-12 months), clients can reach $200K-$300K+. Your results depend on your credit profile and business. While we can't guarantee specific amounts will guide you, so you are in the best position to obtain the highest funding amounts possible.

If your credit and business details are already optimized (700+ score, low utilization, minimal inquiries), first-round funding can happen in 14-30 days. If we need to clean up inquiries or wait for utilization to report, expect 60-90 days before your first funding round.

This is a done-with-you consulting service. We provide the strategy, data points, bank relationships, and one-on-one coaching. You'll complete tasks like opening business bank accounts, submitting applications (with us on Zoom), and updating your credit profile. Expect less than 1 hour per week of work on your end.

No. Banks make final approval decisions — we can't control that. What we guarantee is that we'll work with you up to 12 months and continue until you hit your funding goals. If we can't get you funded, we keep working with you at no additional cost.

If you follow our process and still don't receive funding, we continue working with you for free until you do. In 3+ years, we've never had a qualified client (700+ score, clean credit) walk away with zero funding.