The funding is there. Your file is what's in the way.
Lenders decline most applications on personal credit, not on the business. We read your three-bureau file, tell you exactly what is blocking approval, fix it in order, then take you through the funding.
- under 620Funding stops here
- 640Very few options, hard terms
- 680Some lenders, higher rates
- 700Most funding programs open up
- 720+Best approvals, best terms
Most files that stall sit between 640 and 700. That gap is usually the whole problem, and it is the part that moves.
Some files are ready. Most need one thing fixed first.
We tell you which one you are on the first call, and we tell you honestly. If your credit is already where it needs to be, there is no repair to sell you and we go straight to funding.
Funding now
Your file clears the lender floor. We build the funding plan, tell you which banks in which order, and you make the applications with us on the phone.
Optimize, then fund
Something is holding the file down. We name it, work it in order, and the funding conversation happens when the file can actually carry it.
Four steps, in this order.
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01
The review
You pull your three-bureau report. We read it and tell you what is holding the file back, item by item, and what it is worth in points. This part is free and it is a real answer, not a sales call.
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02
The plan
You get it in writing. What we work and on what grounds, which balances come down first, which lenders you are aiming at, and the order it all happens in.
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03
The work
We do the credit side and track every response. You handle the paydowns, and we tell you what to pay and when. You see each round as it lands.
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04
The funding
When the file clears the floor, we build the bank order and you make the applications. You make every call. We script them and sit with you through it.
The limits, before you ask.
- We do not remove accurate information. Nobody can. Accurate, current, verifiable items stay on the report until they age off. Anyone who tells you different is selling something that will not work.
- We do not dispute accounts you actually hold. Including the inquiries that produced them. Disputing your own open account wastes a round and can cost you the account.
- We do not promise a number, a date, or an amount. What your file can do depends on what is in it. You will get an honest read on the first call, including when the answer is that credit is not your problem.
- We do not take payment before the work is done. You are billed for work already completed, never in advance.
Send one email. We will tell you what your file needs.
No cost, no obligation, and a straight answer either way.