Yes, banks evaluate personal credit, even for business funding, as it shows your reliability as a borrower. Most approved accounts won't appear on your personal file and any hard inquires can easily be moved afterwards, minimizing leveraging your personal credit to obtain funding.

No, we specialize in funding solutions that do not report to personal credit bureaus. We avoid lenders like Capital One and Discover (which do report) unless specifically requested, allowing you to separate personal and business credit.

Applying for business funding may trigger a soft or hard credit inquiry, slightly lowering your credit score (2–10 points) short-term. Over time, new accounts can improve your credit by boosting total available credit and diversifying your credit profile.

Business credit lines typically don’t affect your personal credit utilization ratio. Since these accounts are separate, your personal credit score remains protected from high utilization concerns.

A thin credit file means limited or no credit history, which may reduce your funding options. Lenders prefer applicants with established credit to accurately assess risk and determine approval amounts.

Ideally, your personal credit profile should show 7–10 active accounts, including a minimum of five revolving credit cards. Keep your utilization under 30%, avoid recent derogatory marks, and try to limit credit inquiries to no more than three in the past six months.

Yes, it’s possible to get funded without a business. But if you qualify for 0% interest offers, having an LLC can open the door to higher funding limits and better structures.

You can use your EIN, but lenders typically still want to see strong personal credit—usually a 680+ score—to approve larger amounts and 0% interest options.

If your business is over two years old and can show consistent revenue through documents like bank statements or tax returns, you may still qualify—even without perfect personal credit—though the rates may not be 0%.

If you’re not ready yet, don’t worry—we’ll build a game plan with you. From credit restoration to business positioning, we’ll guide you step-by-step until you’re fundable.

The business funding approval timeline typically ranges from 4 to 6 weeks. Some banks—such as Chase—may take the full 4 weeks just to issue a decision, depending on underwriting speed and documentation.

A business checking account strengthens your funding application by proving financial legitimacy. Lenders view it as a sign you’re operating a real business and are serious about managing incoming capital responsibly.

There are no upfront fees in our funding process, and you won’t be charged if you don’t get funded. We operate on performance—if funding isn’t secured, you pay nothing out of pocket.

To apply for business funding, you’ll need a valid ID, your credit score and business formation documents (if you have an LLC). Your dedicated advisor will walk you through any additional documents required based on your funding strategy.

We provide multiple business funding options, including revolving lines of credit, term loans, equipment financing, and business credit cards. Each solution is tailored to meet your unique business needs and credit profile.

Yes, most business funding can be used for a wide range of purposes—like inventory, marketing, payroll, expansion, or investments. Unless restricted by the lender, funds are typically flexible for any legitimate business expense.

Initial business funding amounts typically range from $50,000 to $150,000, with follow-up rounds reaching $250,000 or more. Final limits depend on your credit profile, documentation, and business structure.

Interest rates vary based on the funding product and your qualifications. Some programs offer 0% promotional rates, while others align with current market lending rates.

No early payoff penalties apply—you can repay your funding at any time without additional fees. This gives you the freedom to reduce interest costs and maintain financial flexibility.

We offer a variety of small business funding options, including business lines of credit, term loans, equipment financing, and 0% interest business credit card stacking. Each solution is tailored to your credit profile, business goals, and growth timeline.

Yes, business funding is typically flexible and can be used for almost any legitimate expense—such as inventory, marketing, payroll, or expansion. Unless restricted by the lender, you’re free to allocate funds where they’re needed most.

Most entrepreneurs qualify for $50,000 to $150,000 in initial business funding, with the opportunity to access up to $250,000+ in future rounds. Your funding limits will depend on your credit strength, documentation, and business structure.

Interest rates on business funding vary by product and credit profile. Many clients qualify for 0% introductory rates, while others receive competitive terms aligned with current market rates.

No, there are no prepayment penalties—you’re free to pay off your business funding early without extra fees. Early payoff flexibility helps minimize interest and improve financial agility.

Our funding experts help you unlock higher limits, better terms, and faster approvals by leveraging insider knowledge of underwriting, credit bureaus, and banking relationships. We position your profile strategically to secure optimal funding outcomes.

You can apply on your own—but many business owners work with us to save time, reduce errors, and access better funding structures they can’t get alone. We even educate you during the process so you’re empowered for future rounds.

No funding program can guarantee approval, but we work to maximize your chances through personalized credit strategies and pre-qualification insights. Our goal is to structure your profile for long-term success.

We don’t charge any upfront fees. Once you’re funded, we invoice a success-based fee of 10%—which can often be financed at 0% interest. This performance-based model means we only win when you do.

Yes—your personal and business information is fully secured using encrypted systems and industry-standard data protection protocols. We take privacy and compliance seriously at every step of the funding process.

We work with a diverse range of industries—including startups, crypto, ecommerce, real estate investors, consultants, service-based businesses, and established corporations.

Whether you’re a solopreneur or managing a growing enterprise, our business funding programs are tailored to fit your needs.

Yes, we offer post-funding support to ensure long-term success. From growth strategy to future funding rounds, our team provides ongoing guidance to help you maximize the capital you’ve received.