Capital, Positioned Correctly.
A clear roadmap to preparing for capital, positioning your business, and maximizing approval potential — from your first business credit card to high-limit lines.
Four Things Every Lender Looks At
Personal Credit
Score, payment history, utilization, account age, recent inquiries.
Business Structure
LLC or corporation, EIN, business address, professional email, website.
Business Revenue
Monthly deposits, annual revenue, bank statements, cash flow consistency.
Funding Purpose
How much you need, what it's for, how it supports the business.
Funding Products & Requirements
| PRODUCT | AMOUNT | TERMS | SPEED | KEY REQUIREMENTS |
|---|---|---|---|---|
| Business Credit Cards | $10K–$250K | Revolving · 0% intro APR typical (12 mo.) | 1–14 days | 680+ FICO, active business |
| Business Line of Credit | $10K–$1M | 6mo–10yr | 1–3 days | 6+ mo in business, $60K+ sales |
| Term Loans | $25K–$2M | 1–5 yr | 1–3 days | 2+ yr in business, 660+ FICO |
| SBA Loans | Up to $5M | Up to 25 yr | 90–120 days | 2+ yr in business, $60K+ sales |
| Unsecured Working Capital | $10K–$5M | Flexible | Same day | 3+ mo in business, $60K+ sales |
The business card products we sequence — including the Chase Ink family and Citizens Platinum Business — typically carry 0% introductory APR, commonly for the first 12 months on purchases, subject to issuer approval and current terms. See documented client approvals →
Where Funding Fits the Ladder
High-limit funding is the payoff of an engineered profile — not a shortcut around it.
Where Does Your Business Stand?
Bad Credit + No Revenue
Hardest profile to fund; focus on improving the foundation first.
Bad Credit + Strong Revenue
Possible cash-flow-based approvals, though terms may be more expensive.
Good Credit + No Revenue
May qualify for startup funding and business credit products.
Good Credit + Strong Revenue
Strongest overall position with the best options and terms.
Get Access to Capital
We enter lender-ready information correctly and strategically, and we have relationships with banks and lending partners — reducing errors and positioning your application for stronger approval potential.