Get Funding Ready
Start your DIY step-by-step Credit Journey and get funding-ready with a proven framework that takes you from personal credit optimization to AI‑powered card recommendations tailored to your credit profile, banking relationships, and bureau diversity. Our system walks you through the three essential pillars—Personal Credit Optimization, Business Entity Setup, and Banking Relationships—while giving you personalized recommendations and progress tracking so you can confidently prepare for success.
💼 Want This Done For You?
Skip the DIY work and let our experts handle everything. Get up to $250K+ in funding with our white glove service.
The Golden Rule
Fix First, Fund Second, Invest Third
This foundational principle ensures you optimize your financial profile before seeking funding, positioning yourself for maximum approval amounts and the best terms available.
Build Your Foundation
Three critical pillars that determine your funding success
Target Score: 680-700+
Ideal is 760+ for best rates
Utilization Under 30%
Keep credit card balances low
100% On-Time Payments
35% of your credit score
Zero Derogatory Marks
Clean credit history essential
LLC or Corporation
Professional entity structure
EIN from IRS
Business tax identification
Low-Risk NAICS Code
Consulting or management preferred
Professional Presence
Address, phone, email, website
Business Checking Account
Open with target banks
Season 30-90 Days
Maintain $500-$5,000+ balance
Regular Transactions
Show active business operations
Build Internal Score
Banks lend 60% more to customers
Ready to start? Our DIY system will guide you step-by-step through optimizing these three critical pillars: Personal Credit Optimization, Business Entity Setup, and Banking Relationships. Get personalized recommendations and track your progress every step of the way.
Strategic Application Approach
Our AI-powered system handles the complex strategy for you—automatically researching which bureaus each bank pulls, determining optimal application sequencing, and creating a personalized timeline that maximizes your approval odds while minimizing inquiry impact.
Research which credit bureau (Experian, TransUnion, Equifax) each target bank pulls in your geographic area. This intelligence is critical for strategic sequencing.
Group lenders by bureau and alternate applications across different bureaus within a 7-14 day window. This prevents each lender from seeing previous inquiries.
Start with inquiry-sensitive banks like Chase and US Bank. Apply for Business Lines of Credit (BLOC) first, then business credit cards for maximum total approvals.
Always call the reconsideration line if denied or given low limits. Explain your business need, cite your strong credit profile and bank relationship to negotiate higher limits.
Key Success Metrics
Track these critical numbers to ensure funding readiness
Best to have over 760 for maximum approval odds. Top-tier credit score unlocks best rates and highest approval limits
Best to have under 10% for optimal funding potential. Keep utilization under 10%, ideally 1-9% for maximum funding odds
Season business bank accounts 30-90 days before applying for credit
Maintain $500-$5,000+ average daily balance to build internal bank score
Get Instant Answers from Our AI Funding Expert
Access our exclusive AI chatbot built on the combined knowledge base of 6 industry-leading credit experts. Get instant, expert-level answers to all your funding questions—completely free when you sign up.
Our AI is trained on insights from 6 top credit and funding experts, giving you access to decades of combined experience.
Get immediate responses to questions about credit optimization, business credit stacking, funding strategies, and more.
Unlock unlimited access to our AI funding expert when you create your free DIY account. No hidden fees, no credit card required.
What's the best NAICS code for getting business funding?
The best NAICS code for funding is 541611 - Administrative Management & General Consulting Services. It's low-risk, widely accepted by lenders, and doesn't trigger industry-specific scrutiny. Avoid high-risk codes like restaurants, construction, or anything with "cash" in the description.
How do I optimize my credit utilization?
Keep utilization under 10% for best results. Pro tip: Pay down your cards before the statement date, not just the due date. This ensures the lower balance gets reported to the bureaus.
Ready to get expert answers?
Done-For-You Funding Service
Let the experts handle everything. Our trusted partner has helped over 40 of our clients secure more than $4 million in 0% business credit card funding. Choose the plan that fits your needs.
Single intensive funding round
For a single business owner or individual
For business partners, spouses, or two entities
No partner? Join our matching program
Ready to Get Started?
Start by filling out a prequalification form and one of our funding experts will have a free consultation with you to talk through your funding options and help you choose the right plan for your situation.
Free consultation • No obligation • See if you qualify in minutes
Still Want To Do It Yourself?
Get access to our complete DIY do it yourself fund prep system:
Credit Optimization
Step-by-step guidance to optimize your personal credit profile for maximum funding approval odds
Business Preparation
Complete framework to structure your business entity and banking relationships the right way
AI Card Matching
Intelligent AI tool that analyzes your profile and recommends the best credit cards to apply for