Sometimes the best first step toward business funding is strengthening your credit profile. When that is the case, we can connect you with credit repair support through our partner ASAP Credit Repair, so you have a plan and a path forward. No hard credit pull to start.
What this means: Help strengthening your credit profile before you apply.
New to these words? See the glossary. Every decision and every term comes from the lender.
Many funding options look at the owner's personal credit profile, especially for newer businesses and products like a syndicated line of credit. If your report has errors, outdated items or high balances, it can narrow your options or make offers less favorable.
We would rather tell you honestly when credit is the place to start than push an option that does not fit. Working on your profile now can open more doors later.
When it makes sense, we can introduce you to our partner ASAP Credit Repair. Their team can review your credit reports with you, help identify items that may be inaccurate or worth disputing, and share guidance on habits that support a healthier profile over time.
Results vary for every person, and no one can promise a specific outcome. ASAP Credit Repair will explain their process, timeline expectations and any costs directly, so you can decide whether their service is right for you.
Get a copy of your credit reports through our IdentityIQ link and read them carefully. Look for accounts you do not recognize, incorrect late payments or balances, and old information. Keep balances on revolving accounts as low as you reasonably can, pay on time, and avoid opening several new accounts at once unless you have a plan.
On the business side, keep business and personal finances separate, deposit revenue consistently into a business account, and keep records organized. Those habits help with nearly every funding option, from working capital to SBA loans.
Working on credit does not always mean waiting. Some options focus more on business revenue or assets than on credit scores. Revenue-based lines, working capital, invoice factoring and equipment financing may be worth a look depending on your situation. We can talk through what may be available now and what might open up later.
We listen, look at the full picture and suggest a realistic path, whether that is a funding option now, credit improvement first, or both. You are never obligated to use any service or accept any offer. When it feels right, start your path or call us.
Short-term funds for payroll, inventory, marketing or a slow season. Often repaid from future sales.
Reusable credit sized around your business deposits and revenue.
Paths for newer businesses, often built around the owner's personal credit profile.
Credit shapes the options open to you. See how lenders look at it, check where you stand and find help if you need it.
Credit repair support is provided through our partner ASAP Credit Repair, which explains its own process and any costs directly.
No. Results vary for every person, and no one can promise a specific outcome.
Yes. Some options focus more on revenue, invoices or equipment than on credit alone.
There is no hard credit pull to start. You share your own credit report.
Applying is free and takes a few minutes. Here is what to expect, step by step.
A short online application, or a call with our team. About the business, what the money is for and how much you have in mind.
My team and I review what you shared and call or text you, usually to ask a few questions and explain what we see.
Usually recent bank statements and your own credit report through our IdentityIQ link. No hard credit pull to start.
We shop your file with lending partners and walk you through any offers, including the total payback.
Take an offer or don't. There is never pressure, and you can stop at any point.
Timing depends on the option and the lender. We'll give you honest expectations once we know your situation. Rather talk first? Book a free 20-minute call.
A short, free application. No hard credit pull to start.
No pressure and no hard credit pulls to start. Tell us where your business stands, and we'll walk the options together.
