Our process
From “I got declined” to funded, in a mapped sequence.
Here's exactly what happens from the moment you apply to the moment your fourth round of funding closes.
Step 01
Qualification.
You fill out a short application. Before anyone spends time on a call, we look at your credit profile against the benchmarks lenders actually enforce. Our threshold is a 700+ Experian FICO with a reasonably thick file. If you're below that, we'll tell you what to fix and point you toward getting there instead of running you through applications that are going to bounce.
What you need to do
- A few minutes
- Honest answers about your credit
Step 02
Funding strategy call.
A 30–45 minute call where we go through your profile in detail: your scores, your average age of accounts, your highest existing limit and how long you've held it, your utilization, your recent inquiries, and which prime banks you already have relationships with.
From that we build your stack: which lenders, which products, which entity, and in what order. You'll leave the call knowing the realistic range and the plan, whether or not you work with us.
What you need to do
- 45 minutes
- Access to your credit report
Step 03
Profile preparation.
Entity registration details, business data points, and file cleanup. This is the part almost everyone gets wrong on their own.
The same profile with the wrong inputs gets declined; with the right inputs it gets approved for six figures.
What you need to do
- Your entity documents, or our help forming one
Step 04
Live application day.
We schedule a working session and our funding team processes the applications with you in real time. We go lender by lender in the sequence we mapped, handle reconsideration calls where needed, and you watch every approval come in.
What you need to do
- A computer
- A stable internet connection
- An uninterrupted block of time
Step 05
Rounds 2–4 and ongoing support.
Funding isn't one event. As approvals season and your profile changes, new doors open.
We plan subsequent rounds from the beginning, keep working your file, and you stay inside FundRocket Insiders — our private client community — for strategy, deployment ideas, and direct access.
What you need to do
- To stay in touch and follow the plan
Find out what you're actually approvable for.
Thirty minutes. We'll go through your actual credit profile, tell you the realistic range, and tell you straight if this isn't a fit right now.