Free assessment: See how much capital your business actually qualifies for - no commitment.
For founders, by people who've been there

Capital that fits your business - not the other way around.

We help small business owners build real business credit and connect with lenders who actually want to fund your kind of company. No personal guarantee where we can avoid it. No bank-runaround. Just a clear path to between $50K and $500K in working capital.

$50M+
Capital secured
3,500+
Funded businesses
~30
Days to funding
How it works
Free assessment No PG where possible 150+ lender network Cancel anytime
Business Funding Potential
Maximum Capital Access
$0
Credit Cards
$5K–50K
Credit Lines
$25K–250K
Term Loans
$50K–300K
SBA Loans
$50K–5M
🏦
SBA Loans
$50K – $5M
💳
Business Credit
$25K – $250K
📊
Revenue Lines
$10K – $500K
🏢
Equipment Fin.
$25K – $2M
Free Funding Assessment
Find out your exact qualification amount
FREE
Verified & trusted
BBB AccreditedA+ Rating
★★★★★4.9
Google · 1,600+ reviews
150+ Lender NetworkSBA, Bank, Private
SOC 2 SecureBank-grade SSL
ii. — The method
How it works

From scattered to funded.

Four straightforward stages. We build a credit profile lenders take seriously, find a match in our network, and walk every application through to wire transfer.

🏢01
Get the foundation right
EIN, DUNS, NAICS code, business phone, business address. Sounds boring, but lenders check every one of these — and most rejected files have a small thing wrong here. We get it tight.
🔨02
Build a real credit profile
We open net-30 vendor accounts that actually report to D&B, Experian Business, and Equifax Business. Within a couple of months, your business has a credit history a lender can pull and look at.
🎯03
Match you to the right lenders
We work with 150+ banks, SBA partners, credit unions, and private lenders. Different lenders like different industries — we point your application at the ones most likely to say yes.
💰04
Walk it through to funded
We help you fill the application, prep the documents, and negotiate terms once an offer comes in. Most clients see capital in their account within 30 days of kicking off.
$50M+
Capital quietly placed into the right hands. and counting.
iii. — The toolkit
Funding products

Five ways to get funded.

From 0% intro cards to DSCR loans and aged LLCs — the specific products we set up, fund, or transfer to get capital into your hands.

💳
0% Interest Credit Card
Up to $150,000
Stack multiple unsecured business cards with promotional 0% intro APR — typically 12 to 21 months. Use the runway to grow without paying interest, then refinance into longer-term debt before the rate kicks in.
0% intro APRNo collateralFast approval
🏠
DSCR Loan
$100,000 – $5,000,000
Debt-Service Coverage Ratio loans for real estate investors. Qualify based on the property's rental income, not your personal tax returns — ideal for buy-and-hold portfolios and short-term rentals.
Property-basedNo tax returnsInvestor-friendly
Bridge Loans
$50,000 – $2,000,000
Short-term capital to bridge the gap between deals. Close on a new property before the old one sells, fund a renovation before the refi lands, or cover working capital while a long-term loan is in underwriting.
Fast closeShort termAsset-backed
🛠️
Credit Repair
Personal & business
Most funding doors stay closed because of one or two bad items on your file. We dispute, escalate, and clear what's blocking approval — for both personal credit and business credit profiles. See the credit repair side →
Personal creditBusiness credit3-bureau
🏛️
Aged LLC
2 – 10+ years aged
Established business entities with verified history. Skip the 2-year time-in-business hurdle that blocks most new entrepreneurs from real funding. We source compliant, fully-documented aged LLCs ready for transfer.
Pre-agedTime-in-businessFunding-ready
— What we do
Our services

Five ways to get you funded.

Specific products, not vague promises. Pick the one that fits — or use a few of them together.

— 0% APR cards

Funding without the interest tax.

Stack multiple unsecured business cards with promotional 0% APR — typically 12 to 21 months of breathing room.

  • Up to $150K in stacked credit
  • 0% intro APR (12 – 21 months)
  • No personal collateral
  • Refinance plan before rate kicks in
— Real estate financing

DSCR loans that read the property, not your taxes.

Qualify based on the property's rental income — perfect for buy-and-hold investors and short-term-rental operators.

  • $100K – $5M loan amounts
  • No tax-return requirement
  • Property cash-flow based
  • Investor & STR-friendly
Most flexible
— Short-term capital

Bridge loans for moments that don't wait.

Close on the new property before the old one sells. Cover renovation costs before refi lands. Move when the deal is on the table — not when paperwork catches up.

  • $50K – $2M bridge amounts
  • Days, not weeks, to close
  • Asset-backed structure
  • Short term (6 – 24 months)
— Personal & business credit

Credit repair that opens funding doors.

Most rejections trace back to one or two items quietly killing the score. We dispute and clear them — for both personal and business credit profiles. Credit repair details →

  • 3-bureau dispute service
  • Personal & business credit
  • Goodwill letters & legal escalation
  • 90-day score guarantee
— Business entity

Aged LLCs that skip the two-year wait.

Most lenders won't touch a business under two years old. We source compliant, fully-documented aged entities ready for clean transfer.

  • 2 – 10+ years of verified history
  • Fully compliant transfer
  • Instant time-in-business credibility
  • Funding-ready entity
Use one product, or layer two or three — most clients combine 0% cards with a bridge loan or aged LLC for maximum flexibility. See ranges & details
iv. — What's included
What's in the program

Everything that makes a lender say yes.

Most rejections come down to small, fixable things. Here's what we set up so they don't trip you.

Business structure done right
EIN, DUNS, NAICS, business phone and address — all set up to match the way lenders verify. The boring stuff that actually decides if your file gets a real review.
A real tradeline strategy
We open 5–15 net-30 vendor accounts that report — not just sit there. Most clients have a Paydex of 80+ inside a few months, which is what banks want to see.
A network of 150+ lenders
Banks, credit unions, SBA partners, private lenders. We track which ones say yes to which industries, so you don't waste time on the ones who'd never fund you anyway.
An application that holds up
We help you put together the package — financials, projections, bank statements — so when a lender reviews it, there are no surprises and no follow-up questions that kill the deal.
Keeping your personal credit clean
Where we can avoid a personal guarantee, we will. The whole point is keeping your business risk on the business side, not on you and your family.
Ongoing monitoring
Once you're set up, we keep an eye on your business credit across all three bureaus and flag anything weird. Quick monthly check-ins, no extra cost.
v. — Receipts
A few of our founders

What it looks like when it works.

Three real businesses that walked in with no business credit and walked out funded. Names are real, numbers are real, the year is somewhere in the last 18 months.

Andre K.
Andre K.
AK Construction LLC
$180K
$180,000
Total Capital Secured
Business credit built from zero in 4 months
$80K business credit line (no personal guarantee)
$100K equipment financing at 5.2% rate
Now employs 12 staff — revenue up 3x in 18 months
Nicole W.
Nicole W.
Luxe Beauty Studio
$200K
$200,000
Total Capital Secured
$75K business line of credit approved
$125K SBA 7(a) loan at 6.5% rate
Expanded from 1 to 3 salon locations
Revenue doubled to $480K in the first year post-funding
Raymond T.
Raymond T.
RT Freight Solutions
$450K
$450,000
Total Capital Secured
$250K equipment financing for fleet expansion
$150K SBA working capital loan
$50K business credit line for operations
Fleet grew from 2 to 8 trucks — $1.2M annual revenue
vi. — In their words
Founder stories

In their own words.

Real entrepreneurs who walked in unfunded and walked out with capital. Names are real, numbers are real.

★★★★★
"
8F Creative Solutions built my business credit from absolute zero and secured me $180,000 in business credit lines within 6 months - without touching my personal credit. I had no idea this was even possible. Complete game changer.
Andre K.
Andre K.
AK Construction · Empire Plan
$180K
Secured
★★★★★
"
I needed capital to expand my salon suite business. 8F Creative Solutions got me $75K in credit lines and a $125K SBA loan in 60 days. My business doubled in revenue within a year. Best ROI decision I've ever made.
Nicole W.
Nicole W.
Luxe Beauty Studio · Amplify Plan
$200K
Secured
★★★★★
"
The Empire package transformed my trucking company. 8F Creative Solutions built my business credit, secured equipment financing for 6 new trucks, and I now run a $1.2M operation. If you're serious about growth, call them today.
Raymond T.
Raymond T.
RT Freight Solutions · Empire Plan
$450K
Secured
vii. — Questions
FAQ

The honest answers.

Stuff founders ask us most. If something here is unclear, just bring it up on the assessment call.

It's tied to your EIN, not your Social. The bureaus are different too - Dun & Bradstreet, Experian Business, and Equifax Business. So when it's set up properly, what your business does (or doesn't do) financially stays on the business side and doesn't follow you home.
Depends where you're starting. If you've got zero business credit, building a profile lenders take seriously takes 90–120 days. But vendor credit and business cards can often happen inside the first 30–60. Our quickest client funded in 7 days, but that was a one-off - most are around 30.
For a lot of what we do, no. We build the file on your business. But for SBA loans and certain larger term loans, lenders will pull your personal too - and if it's rough, we'll usually run our credit repair program alongside this one to fix that piece in parallel.
Pretty much any legal entity - LLC, S-Corp, C-Corp, partnership, sole prop. Industry-wise we've done construction, beauty, trucking, restaurants, real estate, tech, healthcare. Both brand-new startups and businesses that've been around a decade. Different stages, different plans.
Honest answer: it depends on revenue, time in business, industry, and how clean your file is. Most clients land somewhere between $50K and $500K total across a few products. Some of our larger files have crossed $1M. The free assessment will give you a real number, not a fantasy one.
Plenty of our clients come to us after a denial - it's actually a common starting point. Most rejections are about a missing piece in the file, not the business itself. We figure out what's missing, fix it, and point you at lenders who're a better fit next time.
✅ Free, no commitment

Want to know what your business qualifies for?

Book a free 30-minute assessment. We'll look at your current setup, give you a real range on what you'd qualify for, and lay out a 90-day plan to get there. If we're not a fit, we'll tell you that too.

Funding application

See how much capital you qualify for.

Soft inquiry only — no impact on your credit. A funding strategist will review your file and reach out within one business day with matched options.

  • Soft pull — no credit impact
  • Match across 50+ lenders
  • Funding in as little as 7 days
🇺🇸 +1

Soft pull only. By submitting you agree to be contacted about funding. We never sell your data.

📞
Step 1 of 5

What's your funding goal?

This helps us match you to the right product first.