Review
We review where your profile stands today, how much funding you need and anything negative holding you back.
Working Capital
at 0% Interest
Your score gets you considered, but your full credit profile decides the amount. We get your profile ready and guide you toward $50K to $300K in business funding.
Total Approved$0
Credit file
Experian0Clean
Equifax0Clean
TransUnion0Clean
Score+73
0Approved
$0Business Line of Credit
The Process
The Funding IQ Roadmap
We start with a full review of your profile and finish with funding your business can use. Every client follows the same roadmap.
Strengthen
We correct errors, lower utilization and strengthen your profile so banks see a clean, consistent file.
Match
We identify the funding options that fit your profile best and confirm your data is ready before anything is submitted.
Plan
We map out a funding plan built around your profile and your goals.
Fund
Your approvals come in and you have capital ready when your business needs it.
Grow
Use your funding to grow the business. When you need more, we help you go back for additional funding.
Check Your Eligibility
Answer a few short questions and pick a time that works for you.
What It Funds
Common Uses for Business Funding
Inventory
Stock up before a busy season without draining your operating cash.
Growth
Fund marketing, hiring or a new location while revenue catches up.
Equipment
Cover tools, vehicles and buildouts when the opportunity is in front of you.
Cash Flow
Bridge slow months and late receivables so the business keeps moving.
Why It Matters
Beyond Your Score
Your score is only one factor.
01
Bank Criteria
Each bank has its own approval criteria. Most owners only find out what they are after a low approval or a denial.
02
Inquiries
Too many recent applications can lower your approvals or lead to denials, even with a strong score.
03
Utilization
High balances on your personal cards can shrink your approvals, even with a strong score.
04
Consistency
Banks look for the same information across all three bureaus. Mismatches can stall an application.
05
Sequence
Banks pull from different bureaus. A planned sequence keeps one application from weakening the next.
Before and After
We Make Sure Your Profile Is Bank Ready
We work best with scores of 700 or higher. If yours is lower, we help you build your profile up to standard before you apply.
Credit Score
755
Very Good
Utilization6%
Inquiries (12 Months)2
Bureau Consistency3 of 3
Credit Score
682
Good
Utilization41%
Inquiries (12 Months)9
Bureau Consistency2 of 3
Drag
Before 682After 755Most business owners who apply on their own get approved in the $3,000 to $15,000 range and burn inquiries they can't get back. We know what each bank looks for, how to get your profile ready and which order gets you the highest approvals. Our bank relationships also give you an edge you won't get going it alone.
Get Your Funding Estimate
Answer a few short questions. Qualified owners can book a call right away to review their funding plan.