Questions we hear every day
Is this a loan? A grant? What exactly is it?
Neither. It's 0% intro-APR business credit issued by banks — real credit lines and cards opened in your business's name, based heavily on your personal credit profile and the order applications are made in. The 0% rate is an introductory period set by each bank; standard rates apply after it ends.
Do I need revenue or tax returns?
No. Most people assume they need revenue, business credit, or a two-year-old company. These approvals lean on personal credit strength, bank strategy, and application sequence. A new LLC is fine.
What does it cost?
Nothing upfront for funding. Our fee is a percentage of the funding you actually receive, collected after it lands. If you don't get funded, you don't pay us.
Why not just apply at my own bank?
You can — but owners who go it alone tend to burn their two best approvals in the first applications and never find out why the rest declined. Which banks, in what order, with what positioned in front of each application: that sequencing is the whole service.
What if my credit isn't ready?
That's what the credit repair program is for. We dispute the inaccurate, unverifiable, outdated, and disputable items and build your profile up — then move you straight into the funding process once you're approval-ready.
How fast is funding?
Typically 2–4 weeks from signing to funding verified, depending on your profile and the banks involved. Credit cleanup beforehand adds time based on what's on the report.