First Capital Program

Credit Repair

Understand your credit profile and work toward being better prepared for future financing.

This program is for business owners who want help reviewing and improving their personal and business credit profile. Credit-improvement support is available through a program and provider in First Capital's network. It can help you review your credit reports, identify information that may be inaccurate or outdated, understand the factors affecting your profile, and build a plan aimed at improving financing readiness. Outcomes vary and no result is promised.

Who This May Be For

  • ✓Business owners who were recently declined and want to understand why
  • ✓Owners who have never reviewed their full credit reports from all three bureaus
  • ✓Operators planning to apply for financing in the coming months and want to prepare
  • ✓Owners who suspect their reports contain inaccurate, outdated, or unfamiliar information
  • ✓Business owners who want personal and business credit profiles kept clearly separate

Why Credit Profile Can Matter

Funding providers set their own credit criteria. Many bank and SBA-style programs look closely at personal and business credit history when they review a file, while revenue-based programs may weigh deposits and cashflow more heavily.

A stronger, better-documented credit profile can widen the set of programs a provider may consider you for. It is one factor among many — it does not determine any approval, amount, rate, or term.

What the Process May Include

01

Review your current credit reports and discuss what appears on them.

02

Identify information that may be inaccurate, incomplete, or outdated and discuss the dispute options available to you under federal law.

03

Talk through the factors that commonly influence a credit profile — payment history, utilization, account age, credit mix, and recent inquiries.

04

Build a practical plan and timeline you can follow while you work toward financing readiness.

The exact scope, fees, and timeline are set by the program provider and are disclosed to you in writing before you enroll.

What Credit Repair Cannot Guarantee

Being straight with you matters more than a sales pitch. Here is what no credit-improvement service can honestly promise.

  • No specific score increase, point total, or timeline is promised.
  • Accurate, current, and verifiable information cannot be removed from a credit report.
  • No tradeline, collection, or negative item is guaranteed to be removed.
  • Credit work does not guarantee financing approval, an amount, a rate, or a term.
  • Anything you can do through a credit-improvement service you also have the right to do yourself, at no cost, by contacting the credit bureaus directly.

Preparing for Future Financing

  • Keep business and personal banking, and business and personal credit, clearly separated.
  • Keep bookkeeping current so revenue and deposits are easy for a funding provider to verify.
  • Watch revolving utilization and avoid unnecessary new credit applications while you prepare.
  • Keep the documents providers commonly request organized: bank statements, tax returns, and a current debt schedule.
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Talk through your credit profile

Share a few details and a First Capital advisor will follow up to discuss your situation and what options may be available.

Start Application →Call (215) 410-5973