01
Your Dedicated Strategist
One funding strategist takes on your account from day one and stays with you throughout. We get to know your business and goals, then agree on the plan with you in writing.
Funding strategy for established businesses
0% Funding Gets You Started. A Strong Funding Profile Keeps You Funded.
Accessing 0% business funding is just one part of the equation. We help you strengthen your financial profile, prepare for lender requirements, strategically sequence funding applications, and build a roadmap for future capital opportunities.
- Soft-pull review, no score impact
- Your plan, in writing
- One flat fee
Your funding plan
In writing
01
Phase 1 · PrepareFunding readiness review
Soft pull
03
Phase 2 · FundFirst round · 0% business credit
Sequenced
04
Phase 2 · FundSecond round · expanded 0% access
Mapped
05
Phase 3 · GrowLines of credit and term loans
Next
Nothing gets filed until your profile is ready.
More Applications Don’t Always Mean More Capital.
Knowing which banks to approach, when to apply, and how each decision affects your funding position matters. Multiple applications without a coordinated strategy can lead to unnecessary inquiries, rejections and missed financing opportunities.
- Hard inquiries that drag down your personal credit
- Denials that make the next bank more cautious
- Approvals far below what your profile could have supported
- A 0% period that ends with no plan for what comes next
The process
How We Get You Funded, Step by Step
Nothing gets filed until your profile is ready and the plan is in writing.
Phase 1
Prepare
02Soft pull
Funding Readiness Review
With your permission, we run a soft pull review across the funding options your business could qualify for, such as business credit cards, lines of credit, equipment financing and term loans. We also check your profile against what lenders screen for, including consistency of your business details, recent inquiries, utilization and banking history. You see what lenders will see, and what needs fixing, before you apply anywhere.
Phase 2
Fund
03 · First Round0%
0% Business Credit
We start with 0% intro APR business credit cards because they’re the lowest-cost capital most businesses can access, which is typically around 12 months interest-free, with low minimum payments during the intro period. We choose the issuers, set the order and spacing, and walk you through every application in real time.
04 · Second Round0%
Expanded 0% Access
Once your first round has a few months of on-time payments behind it, we prepare the next round, this time extending to regional banks that reward that history. Every new round adds to the capital you already have rather than replacing it.
Phase 3
Grow
05Revolving
Business Lines of Credit
Revolving credit from traditional banks, sized to your business’s revenue and track record rather than a card limit. Draw what you need, repay it, and draw again.
06Fixed schedule
Term Loans
A lump sum on a fixed repayment schedule for larger, planned investments such as expansion, equipment or inventory. The credit history and banking relationships built in earlier steps are what make these approvals possible.
Approvals, limits, rates and terms are set by the lending institutions. We never promise specific amounts or timelines.
Two ways to apply
The Cost of Applying Without a Strategy
Two business owners with the same credit score and the same revenue. One applies everywhere at once. The other follows a sequence. Here’s how it tends to play out.
Applying Alone
7 hard inquiries in 10 days- Application 01 · Business cardBank pulls the bureau with the most recent inquiriesDenied
- Application 02 · Business cardBusiness details don’t match across recordsDenied
- Application 03 · Line of creditToo many inquiries this monthDenied
- Application 04 · Business cardApproved well below what the profile could support$5,000 limit
Seven inquiries. One $5,000 card. And a credit report the next bank won’t like.
- Applications go out in a rush, and personal credit takes every inquiry.
- Nobody checks the business details before the bank does.
- Each denial makes the next bank more careful.
- The 0% period starts with no plan for when it ends.
Applying With Funded Assets
Round one · in progress- Step 01 · Profile preparationInquiries reviewed, business details matchedDone
- Bank 1Chosen for the bureau it pullsApproved · $25,000
- Bank 2Spaced out to protect the next approvalApproved · $20,000
- Bank 3Submitted after the first two clearedIn review
- Bank 4Saved for when payment history buildsHeld for round two
Two approvals so far, and round two is already planned.
- We fix what a lender would flag before you apply.
- Every bank is picked for what it checks and how it treats recent inquiries.
- You apply once your profile can carry it.
- Your next round is mapped out before the first 0% period ends.
Book Your Free 1-on-1 Funding Consultation
Illustrative example. Approvals and limits are decided by each bank and depend on your profile.
Who reviews your business
Every Bank Has a Set of Rules. And We Know Every One.
Before a bank approves you, it checks your business with one or more credit bureaus, and each bank leans on a different one. We build your profile where it counts, so it looks right to whichever bureau a bank pulls.
Dun & Bradstreet
Tracks your PAYDEX score, built from how reliably your business pays its bills.
Experian Business
One of the first places many lenders look when sizing up a business.
Equifax Business
Used by banks to check payment history and credit risk.
How we charge
A Fixed Fee, Whether You Raise $50K or $500K.
Most funding companies take 10–20% of everything you’re approved for. The more you get, the more they earn. We charge one fee, agreed upfront, whatever your approvals add up to.
Broker range based on typical 10–20% success fees. Your actual funding depends on your profile and each bank’s decision.
What it replaces
Percentage success fees
Mass applications
Credit repair subscriptions
Guessing which bank to try
A percentage fee rewards pushing you into more debt. A flat fee rewards getting it right.
Client reviews
Business Owners Who Trusted the Process
Every client came to us with a different profile. Each one left with a plan built for it, and approvals to show for it.
Client review goes here: what they came in with, and what changed.
A.B.Client nameBusiness type · City, State
Client review goes here: what they came in with, and what changed.
C.D.Client nameBusiness type · City, State
Client review goes here: what they came in with, and what changed.
E.F.Client nameBusiness type · City, State
FAQ
Frequently Asked Questions
Still have questions? Ask them on your free consultation.
01Can’t I just apply to the banks myself?
You can. The problem is that every bank checks your profile differently: which credit bureau it pulls, how many recent inquiries it accepts, how it weighs your existing limits. Applying without that knowledge often means extra inquiries, denials and lower limits. We plan the order so each application helps the next one.
02How are you different from funding brokers?
Most brokers charge 10–20% of everything you’re approved for, so their fee grows with your debt. We charge one flat fee, prepare your profile before you apply, and plan your next round before the first one ends.
03Will this hurt my personal credit?
Our first review uses a soft pull, which doesn’t affect your score. When you apply, each bank does a hard inquiry, but we keep these to a minimum and space them out, and we work on your profile beforehand so it’s in the best shape possible.
04What happens when the 0% period ends?
That’s planned from the start. Before your intro period runs out, you’ll have a written plan for what comes next: another round of 0% funding, a line of credit, or a term loan, depending on your business.
05How much does it cost?
One flat fee, agreed before we start. It doesn’t change based on how much you’re approved for.
06What if I don’t get approved?
We only move forward with applications once your profile is ready, and we’ll tell you upfront if it isn’t.
07What happens on the free consultation?
A 30-minute call with our funding strategist. We’ll go over your business, your goals and where your credit stands, and tell you honestly whether we can help. There’s no obligation to sign up.
08How soon can I get funded?
Most clients start with a profile review in their first week. Once your profile is ready, your first round of applications goes out, typically within [X weeks] of starting. Banks make their own decisions and timelines, so we can’t promise a date, but we’ll give you a realistic timeline on your free consultation.
Book Your Free 1-on-1 Funding Consultation.
A 30-minute call with our funding strategist. We’ll go over your business, your goals and where your credit stands, and tell you honestly whether we can help.