Questions, answered straight.

We're a done-for-you funding brokerage. We analyze your credit profile, map it against the lenders most likely to approve you, prepare your file and your business data points, and then apply with you on a live call. We're not a lender — the approvals come from banks. We're the strategy and execution layer that gets you through their door.

Yes, and it's specific. These are introductory promotional APR periods offered by the issuing banks, typically running somewhere between 6 and 18 months depending on the card. During that window you pay no interest on purchases. After it ends, the card's standard variable APR applies to any remaining balance. We walk you through the exact terms of every product before you apply, and part of the strategy is planning how you'll pay it down or restructure before the window closes.

It depends entirely on your profile — your scores, your file depth, your existing limits, and your bank relationships. We'll give you a realistic range on the strategy call after we've actually looked at your credit, not before. Be skeptical of anyone who quotes you a number before they've seen your file.

Business purposes — real estate, acquisitions, inventory, equipment, marketing, payroll, buildout. We'll talk through your deployment plan on the call, because how you plan to use it affects how we sequence the stack.

Pricing depends on your profile and the funding strategy we build for you, so we go through it directly on your strategy call. There's no cost to have that conversation, and you'll know exactly what to expect before anything moves forward.

We screen carefully before we start, because putting someone through applications they're going to fail helps nobody. If your profile isn't ready, we'll tell you before you begin and show you what to work on.

Applying generates hard inquiries, and new accounts temporarily lower your average age of accounts, so expect a short-term dip. Carrying high balances against your new limits will also affect utilization. Most clients recover as the accounts season, but you should go in understanding this is real — we'd rather set that expectation now than surprise you later. If your profile can't absorb the inquiries right now, we'll tell you to wait.

Fast — usually somewhere between 24 hours and 7 days for round one. Personal term loans often fund the next business day. Credit card approvals come back during the live application session itself, with the physical cards arriving in the mail shortly after. HELOC timelines are set by the lender and typically run longer. The variable is your availability, not our processing time.

A computer, a stable internet connection, your documents accessible, and an uninterrupted block of time. Our team processes the applications with you in real time, so you'll need to be present and available.

Our benchmark is a 700+ Experian FICO with a reasonably established credit file. Score is only part of it — average age of accounts, your highest existing limit, utilization, and recent inquiries all matter. If you're close but not quite there, we'll tell you what to fix.

No. Credit cards and term loans are underwritten primarily off your personal credit profile, which is why brand-new entities and first-time founders can get approved. HELOCs are underwritten on home equity and income, not business history. That's the whole point — you don't have to wait two years for a business credit history to get capitalized.

No. Most of our clients are funded entirely through 0% credit stacking and term loans, none of which require you to own property. If you do own a home with equity, a HELOC can open access to a larger amount of capital at a lower rate, so it becomes another option on the table — not a requirement.

No. We don't dispute items, we don't fix derogatory marks, and we don't sell credit repair. If your profile needs repair work before it's fundable, we'll tell you and point you in the right direction.

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