We start with your credit and tax file, then we build the company funding file. We do not lend.
Most funding no's under a few million dollars are not about the business. They are about the owner's credit, an IRS balance, or a set of books the underwriter could not read, and we fix those in that order. Then we build the application the lender actually wants, whether that is a line of credit, an SBA loan, equipment financing, or working capital matched to what the file can support today.
A three bureau snapshot and, if needed, a repair plan aimed at the loan you want, because your guarantee is read before the company is.
Entity age, revenue trend, bank statement behavior, existing debt, and the business credit file. The same read a lender does, done before you apply.
The package, the product, and the lender chosen to fit the file. We prepare it, we sit in the conversations, and we tell you honestly when to wait.
And roughly when. The answer changes which door we go to.
No. We do not lend, broker on commission, or take a percentage of the funding. We make you fundable and we help you apply. The credit and funding snapshot tools in the Foundation Check are affiliate tools, and the footer says so.
For a business loan, yes, and that is why the Foundation Check looks at fundability. For personal credit work you need nothing but your own file, and plenty of owners start there.
It depends on what the check finds. We give you a written timeline after the check, not a guess on the phone.
Read the details · How a lender reads you