← B2BB2B · ENTREPRENEURS

Financing-ready credit
for founders and operators.

Your business credit is a lever. Most founders ruin it by commingling, ignoring furnisher errors, and applying before the file is clean. We run pre-application forensics, separate business from personal, and hand you a credit file that SBA/lenders actually approve.

Pre-application audit

  • ◆3-bureau + business-bureau (D&B, Experian Intelliscore) audit
  • ◆Personal vs business utilization math
  • ◆47-vector error detection (re-aging, duplicates, unauthorized inquiries)
  • ◆DTI calculation with corrected data vs as-reported
  • ◆Score trajectory projection after disputes resolve

Business / personal separation

  • ◆Incorporation structure review (Inc. / LLC / Ltée / Inc. Delaware)
  • ◆EIN + D-U-N-S registration guidance
  • ◆Trade credit establishment with 3+ vendors (NET-30)
  • ◆Personal guarantee negotiation framework
  • ◆Piercing-the-corporate-veil risk audit

Financing paths supported

  • ◆SBA 7(a) / 504 preparation — rejection rate from credit drops from 30% to 5%
  • ◆Bank term loans and lines of credit
  • ◆Invoice factoring and merchant cash advance negotiation
  • ◆Investor due diligence credit packages
  • ◆Cross-border CAD/US entrepreneur financing (rare double-bureau audits)

Pricing & turnaround

  • ◆$299 — full forensic audit + dispute strategy memo (7-day turnaround)
  • ◆$499 — audit + direct dispute filings + 60-day re-pull verification
  • ◆$999 — quarterly retainer with continuous monitoring
  • ◆B2B partnership rates for accelerators, incubators, CPA firms
  • ◆Results measured: score delta + financing outcome tracking
Audit my credit before I apply →