Questions Before You Apply
The Stuff Entrepreneurs Usually Ask Before The Call
Do I qualify?+
You need a clean FICO profile, an active corporation, and low inquiry count. We run a funding readiness audit on your call — you'll know in the first 10 minutes exactly where you stand.
Why do I pay before I get funded?+
It's a flat fee for the full six month engagement, with no back-end commission, ever, and we give you the exact number on your call once we see your situation.
Here's why we charge it up front: because we do the work up front. Most brokers don't charge anything up front. They take your file exactly as it is, blast out applications, and hope something sticks so they can collect a percentage on the back end. That model pays them to move fast and not care about your file.
Ours is the exact reverse, so we have to price it that way. All the work we do, the optimization, the sequencing, the compliance, the preparation, is what makes your funding almost inevitable. That's what you're paying for. You're not paying us to fill out applications with you. You're paying us to deliver the result: low interest lines of credit, 0% business credit cards, a path to SBA financing, a lower cost of capital, and never being capital constrained again, all with a one on one advisor in your corner walking you through every step so you never feel alone.
Most owners see the fee come back many times over in the capital they access, and unlike the shops taking ten to twenty percent, our cost never grows the more we get you.
How fast can I get funded?+
For a lot of owners with comparable credit already in place, we're looking at real funding inside the first 30 to 45 days, already getting your first approvals in the first week. If your file needs more preparation, it takes a little longer, and that's the point. Sending applications before your file is ready is how you leave the most money on the table.
Can you guarantee I'll get approved?+
No. Anyone guaranteeing approval without reviewing your file is dangerous. What we do is eliminate every avoidable reason for denial, by structuring your profile against every underwriters' lending criteria and then sequence lenders in the right order. The decision is the lender's. The preparation is ours. (we pride ourselves in being your internal finance team designed to help you beat the banks underwriting criteria and constantly get approved)
How long does the 0% period last, and what happens when it expires?+
The 0% window usually runs twelve to eighteen months, and after that the rate jumps to a normal card APR, often north of 20%. That's where most people get burned, because nobody planned the exit before the clock started. We work the other way. Before round one even begins, we've already mapped your refinance path and your next round, so the 0% window is a tool we sequence around, not a cliff you fall off. By the time it's winding down, you're moving that capital onto lower interest products we've been building toward the entire time.
Do you only get me 0% business credit cards, or can you help with business lines of credit and SBA products too?+
The 0% cards are the door, not the destination. They're the fastest way to get liquid seed capital in your hands, but the real endgame is building your business into something banks lend to at prime, which means real bank lines of credit, term loans, and SBA products at 4 to 8%. That's why we build ten to fifteen reporting business tradelines and get your business FICO where it needs to be, so you graduate from cards to institutional money. It's one engagement that sequences the whole capital stack, from the first card all the way to the SBA loan and getting funding up to $1.5M.
My credit score is under 700. Can I still work with you?+
It depends on more than the number. A 700 score with 9 inquiries and a messy file is less fundable than a 660 with clean structure. Book the call — we'll tell you the truth, not what you want to hear.
Will I have to personally guarantee the funding?+
Yes — unless your business has 2+ years of tax returns and documented revenue. Your personal credit backs the corporation until it builds its own track record just like a parent would its child. After your first round, we show you how to position for true non-PG corporate funding. But that requires you to actually run a business or be investing. If your plan is to take funding and not service the debt, don't apply.
Can I do this myself?+
Yes — our community tier exists for that. But most people don't fail because funding is impossible. They fail because they apply out of order, burn inquiries, and damage the same file they needed to get approved. Speed and sequencing are what the high-touch program is for.
What happens on the call?+
Real diagnostic, not a pitch. We look at your credit profile, corporate structure, funding goal, and timeline. If you're a fit, we map the path. If you're not ready, we tell you that too. Either way, you leave with clarity.