The Funding Blueprint
The 3 Tiers of Funding
Match your credit profile to the right funding tier to maximize approvals and minimize denials.
How to Build Your Credit
Follow this proven step-by-step blueprint to build a funding-ready profile.
1
Clean The Foundation
Remove negative items like collections, charge-offs, and late payments. You cannot build on a broken foundation.
- Remove Inquiries
- Delete Old Addresses
- Challenge Negatives
2
Structure The Profile
Add the right mix of accounts to demonstrate responsibility to lenders.
- Add Primary Tradelines
- Keep Utilization Under 10%
- Mix Credit Types
3
Scale To Funding
Once your personal profile is strong, leverage it to secure business capital without risking personal assets.
- Form Your LLC
- Apply for Tier 1 Funding
- Rinse & Repeat
1
1
Tier 1: Bankcard & 0% Program
680-700+ Credit Score
Profile Requirements
- 680-700+ Credit Score
- 3-4 Installment Accounts
- 2+ Revolving Cards
- $3,500+ Limits
- 2+ Year LLC
Required Documents
- ID & SSN
- Proof of Income
- LLC Name & EIN Letter
- Business Address & Phone
- 3-6 Months Bank Statements
2
2
Tier 2: Mid-Tier Revolving Lines
625+ Credit Score
Profile Requirements
- 625+ Credit Score
- $10k-$15k Bank Balance
- 3-6 Months Revenue
- Active LLC
Required Documents
- ID & SSN
- Articles of Organization
- EIN Letter & Operating Agreement
- Business Bank Statements
- P&L & Balance Sheet
- Voided Business Check
3
3
Tier 3: Revenue-Driven Funding
500+ Credit Score
Profile Requirements
- 500+ Credit Score
- Strong Monthly Deposits
- Active Business Account
Required Documents
- ID & SSN
- 3-6 Months Bank Statements
- Business Legal Name & EIN
- Voided Business Check
Ready to Get Funded?
If you meet the requirements for any of the tiers above, apply now to secure your capital.