Credit Rebuilding Program
Higher scores. Lower cost of capital. Every future dollar cheaper.
Our credit rebuilding program combines dispute cycles, primary and authorized-user tradelines, utilization coaching, and personal-to-business credit separation. The goal: qualify you for the SBA, bank LOC, and prime term-loan pricing that saves real money on every future dollar borrowed.
Program Highlights
Timeline
3 – 9 Months
Average Lift
80 – 140 points
Tradelines
Primary + AU included
Dispute Cycle
Monthly, all 3 bureaus
Business Credit
Duns, Experian, Equifax builds
Ongoing Coaching
Included
Best For
- ✓Business owners locked out of prime credit products
- ✓MCA users trying to graduate to lower-cost capital
- ✓Owners with derogatory items, collections, or thin files
- ✓Anyone planning a home, auto, or business purchase in 6–12 months
Requirements
- ·Willingness to freeze new credit apps during the program
- ·Provide identity verification and current credit reports
- ·Commit to a 3+ month engagement
How It Works
01
Full 3-bureau credit audit and score simulation.
02
Customized dispute strategy for inaccurate, outdated, or unverifiable items.
03
Tradeline placement to improve utilization, age, and mix.
04
Business credit file build with Dun & Bradstreet, Experian, Equifax.
Fact-Backed Impact
Published research and industry data on how credit rebuilding program help U.S. businesses grow.
$120,000+
Estimated lifetime interest savings on a typical mortgage + auto + business loan portfolio when a borrower moves from a 620 to a 740 FICO score.
Source: myFICO Loan Savings Calculator (national averages)
35%
Of U.S. adults have a FICO score below 670 — the threshold most banks require for prime small business credit pricing.
Source: FICO Score Distribution Report, 2024
1 in 5
Consumer credit reports contain at least one error material enough to affect the credit score, according to the Federal Trade Commission's landmark study.
Source: FTC Report to Congress on Credit Report Accuracy
Real Outcomes
Hospitality
Restaurant owner
Moved from a 588 to a 712 in 7 months. Refinanced two MCAs into a $180k SBA Express loan — cut monthly debt service by 71%.
Logistics
Trucking owner-operator
Lifted personal FICO 118 points and built a business credit file that qualified him for a $75k fuel card and a $50k bank LOC within 9 months.
Composite outcomes based on client engagements; individual results vary.
Ready to move on Credit Rebuilding Program?
One application, one desk. A funding advisor will review your file and return offers tailored to your business.