Entity, business credit profile, and a lender-ready application package, done for you by the team behind SmartCredit AI. Powered by software that shows you exactly what lenders score.
Lenders score specific, knowable factors. Personal credit utilization. The age and structure of your business. How recently you applied for anything. Whether there's an entity, an EIN, a real business profile behind the application at all.
Most owners never see any of it. You get a decline and a form letter. The factors that produced it stay invisible, so nothing changes before the next application, and the next decline.
You can't fix what no one will show you. So we show you first.
Our own credit-analysis engine produces your Funding-Readiness picture, factor by factor. We start from what lenders actually score, not from a guess or a sales script.
Entity formation to a lender-ready application package, handled by our operations team. You review and approve every step. You personally submit every application.
Most of our compensation is a success fee, due only after funding. Our incentive is your outcome, not your signature. That is alignment, not a promise of any particular result.
State filing and a drafted operating agreement, so the entity behind your applications is real and correct.
Your federal EIN, plus guidance to open a dedicated business bank account that keeps the entity clean.
A business website, domain, and email address, so the business looks the way an underwriter expects it to.
A dedicated business line and a listable business address, wired into the profile consistently.
A DUNS number and the start of a business credit profile that reports separately from you.
Issuer sequencing, timing, and targets, mapped to your specific profile. What to apply for, and in what order.
Each application prepared and organized by us. You review, approve, and personally submit every one.
You run your own credit improvement through the software while we build the business side. You run your disputes; we never touch them. The personal credit work stays entirely yours.
Entity, EIN, and business banking guidance. The legal and financial base every application rests on.
Website, phone, address, and DUNS. The business becomes something an underwriter can actually verify.
Together we set issuer sequencing, timing, and targets against your Funding-Readiness Report.
We prepare each package. You review, approve, and personally submit every application. Nothing is submitted in your name without you.
The flat, tiered success fee is due only after funding, on the schedule you reviewed before signing anything.
Deliverable timeline. Funding timelines vary by profile and by lender. Anyone quoting you a guaranteed date is lying to you.
This category has a hype problem. The FTC has shut down its worst actors for it. So here it is, in writing.
If another funding company promises you a number, ask them why they're allowed to.
Established personal credit, verifiable income, and a real business plan or a real business. If that's you, the buildout starts fast and the strategy session has plenty to work with.
Some credit factors need work first. We'll tell you honestly on the audit, and the software path gets you ready. You come back to the buildout when the numbers support it.
Anyone looking for "stated income," shortcuts, or a guaranteed outcome. We decline these, politely, every time. If that's what you want, we are the wrong shop.
Our operations desk runs every fulfillment step, from the entity filing to the application package. Our strategy desk runs the issuer sequencing and the targets.
The whole program is built on the credit-analysis software we built and operate in-house, SmartCredit AI. It's the same engine that produces your Funding-Readiness Report. You work directly with our senior team on every engagement.
We onboard a limited founding group, because our senior team runs every engagement directly. That's a capacity fact, not a countdown.
Runs every fulfillment step personally: the entity filing, EIN and banking, the business profile, and each application package.
Runs issuer sequencing, timing, and targets, mapped against the Funding-Readiness Report the software produces.
Pricing is a flat, itemized schedule: an upfront fee for the business buildout deliverables, and a flat, tiered success fee due only after funding. You'll see the full schedule on your strategy call, before you sign anything. No percentages of whatever you get, no surprises.
No. Nobody legitimately can. We qualify hard at intake precisely because we only take engagements we believe in. A guarantee in this category is a warning sign, not a feature.
No. The program builds the business side: entity, profile, and a lender-ready application package. Your personal credit work is your own use of SmartCredit AI software, which is included. You run your own credit improvement through the software. We never touch your disputes.
It's recommended, but not required. Entity formation is deliverable number one. If you're building from an idea, we form the LLC, get the EIN, and stand up the business profile from scratch. If you already operate, we work with what you have.
You do. We prepare every package. You review, approve, and personally submit each application. Nothing is submitted in your name without your sign-off, and you always state your own numbers.
Applications create inquiries, and inquiries have an effect. That's exactly why the strategy session exists: to sequence applications deliberately rather than scattering them. We can't promise an outcome, but we can make sure the timing is intentional instead of random.
We walk through your Funding-Readiness Report together, tell you honestly whether you're ready now or need the software path first, and lay out the full flat fee schedule. If it's a fit for both sides, you'll have everything you need to decide, and nothing pressuring you to decide on the spot.
The audit tells you honestly. If the factors need work first, we point you to the software path so you can improve them yourself, and you come back to the buildout when the numbers support it. We would rather delay you than set you up to be declined.
The success fee applies only to funding you actually obtain. If nothing comes through, no success fee is due. Unearned milestones are refundable, and there is no termination fee. That's the alignment: our upside is tied to yours.
The deliverable timeline runs a few weeks, week by week as laid out above. Funding itself depends on your profile and on individual lenders, so we won't put a date on it. Anyone who does is guessing, or worse.
Tell us where you stand. If it looks like a fit, you'll get a booking link for a strategy call, where we walk through your report and the full fee schedule together. No cost to apply.