Business credit cards  ·  LLC required  ·  No upfront fee

Business funding for your company, planned and prepared for you.

We build a funding plan from your credit profile, prepare each application, and walk you through it. You review and submit every application yourself.

Get Started → See if you qualify

Our fee is 10% of approved credit limits. Nothing is charged upfront.

How a funding plan is sequenced

Round 1: one application per bureau

  1. 1Bank that pulls Equifax
  2. 2Bank that pulls TransUnion
  3. 3Bank that pulls Experian

Round 2: additional banks

Chosen for your profile and state. You approve each round's schedule before it starts.

Illustrative. Your plan depends on your profile and which banks you're eligible for.

How It Works

Five steps from intake to funding. You stay in control of every application.

  1. 1

    Submit your intake

    Accept the service agreement, then tell us about your credit profile and business. You see a pre-qualification result as soon as you submit.

  2. 2

    We review your profile

    We review your credit profile and confirm your qualification tier with you.

  3. 3

    We build your plan

    A bank-by-bank plan, sequenced by the credit bureau each bank typically pulls. You approve each round's schedule before it begins.

  4. 4

    We prepare, you submit

    We prepare each application and guide you to the final submission screen. You review it, enter your own income and revenue, and submit it yourself.

  5. 5

    Pay 10% of approvals

    Our fee is 10% of each approved card's credit limit, invoiced per card after approval.

Our fee, in plain terms

  • •10% of each approved card's credit limit, on cards from applications we prepared and you submitted. It's calculated on the approved limit whether or not you use the card.
  • •No upfront fee. The fee is earned on the date of each approval. Nothing is owed on a denial.
  • •When you're invoiced: one invoice per approved card, sent after that card's approval. Each invoice is due within 10 business days of its invoice date or 30 days after that card's approval, whichever is earlier.
  • •Not counted toward the 10%: credit limit increases on existing accounts, counteroffers, product changes, secured cards, and bank accounts. Charge cards carry a fixed fee that we discuss with you, shown on your invoice.
  • •Cancel within 5 working days of signing without penalty.

Read the full Business Funding Service Agreement ↗

Do you qualify?

Three tiers, based on your personal credit profile. You need to meet every requirement in a tier to qualify for it.

Tier 1

$25K–$75K

Target range, not guaranteed. Approvals are decided by each bank.

Credit score
700+
Number of accounts
4+
Credit history
2+ years
Highest credit limit
$2,500+
Business entity
LLC

Tier 2

$75K–$150K

Target range, not guaranteed. Approvals are decided by each bank.

Credit score
740+
Number of accounts
7+
Credit history
5+ years
Highest credit limit
$10,000+
Business entity
LLC

Tier 3

$150K–$300K

Target range, not guaranteed. Approvals are decided by each bank.

Credit score
780+
Number of accounts
10+
Credit history
9+ years
Highest credit limit
$30,000+
Business entity
LLC or Corporation

Every tier also requires:

  • No derogatory marks
  • 100% on-time payment history
  • Credit utilization under 35%
Get Started →

The intake checks your numbers against these tiers when you submit.

Not qualified yet?

Don't meet the requirements yet? Our credit repair service can help you get there.

See Credit Repair Plans → Need an LLC?

Why work with us

What you get, stated plainly.

Sequenced by bureau

Applications are ordered by the credit bureau each bank typically pulls, so inquiries are spread across Equifax, TransUnion and Experian instead of stacking on one report.

A plan built around your profile

Banks are matched to your tier and your business's state. Where your reported income or revenue falls below a bank's typical minimum, we flag it before you spend an inquiry there.

You only pay on approvals

No upfront fee. Our fee is 10% of approved credit limits, so nothing is owed unless a bank approves an application we prepared.

Your real numbers

We never supply or inflate income or revenue figures. You enter your own on every application, and lenders may verify them.

You stay in control

You approve each round's schedule and submit every application yourself. Nothing is submitted without your direct review.

Written terms

A written service agreement you accept before starting, with a 5-working-day cancellation right. Read it.

Common Questions

Straight answers before you start

Yes. Each application is a hard inquiry on your personal credit, which can lower your score. The exact impact varies by person. We sequence applications across the three bureaus to spread inquiries out, but we can't avoid them. Business credit cards also usually require a personal guarantee, which means you are personally responsible for the balance if your business can't pay.
It depends on your credit profile and on each bank's decision. The tier ranges above are targets for profiles that meet each tier's requirements, not promises. No amount is guaranteed, and some or all applications may be denied.
Our fee is 10% of each approved card's credit limit, invoiced per card after approval. It applies to cards from applications we prepared and you submitted. There's no upfront fee. The fee is earned on the date of each approval and is calculated on the approved limit, whether or not you use the card. Each invoice is due within 10 business days of its invoice date or 30 days after that card's approval, whichever is earlier. Credit limit increases, counteroffers, product changes, secured cards and bank accounts don't count toward the fee. Charge cards carry a fixed fee that we discuss with you, shown on your invoice. Full agreement.
You get a pre-qualification result as soon as you submit the intake. From there: we review your profile, build your plan, and you approve the schedule for each round before it starts. Applications go out round by round, and each bank makes its decision on its own timeline, so we can't promise a date. We track each result and send one invoice per approved card.
Yes. Tiers 1 and 2 require an LLC. Tier 3 accepts an LLC or a corporation. Sole proprietorships, partnerships, and applicants without a business entity don't qualify yet. If you don't have one, we can form your LLC.
No. You provide your own income and revenue, and you enter them yourself on every application. Lenders may ask for tax returns or bank statements to verify them. You're responsible for the accuracy of what you submit.

See where your profile stands

Submit the intake to get your pre-qualification tier. There's no upfront fee, and you only pay on approved credit limits.

Get Started →

No approval or amount is guaranteed. Every credit decision is made by the bank.

Get Started: Check Your Tier →