SBA loan
A participating lender makes a loan partially backed by the SBA. Business eligibility and documents are reviewed.
Options depend on the lender, your credit, revenue, and time in business. This is education, not an offer of credit.
Your next step
Business Funding
Explore funding types and prepare for a useful conversation, without approval promises.
What you need to start
- A business idea or an existing business
- A few minutes for your first step
- Your best estimate of your credit range
- No Social Security number needed
Example dashboard
Personal Credit lane40%
- Check
- Clean up
- Optimize
Business Credit lane28%
- Set up
- Build
- Establish
Funding Ready
0%
Fundability ScoreFunding readiness
/ 100
Estimate only. Not a credit score, loan decision or offer.
Your next steps
- Personal Credit lanePull 3 free reports
- Business Credit laneOpen a business bank account
100% free education
Funding options, explained
Different tools serve different needs. Compare repayment timing, total cost, collateral, and personal guarantees rather than choosing only by a payment amount.
What lenders consider
Lenders may review credit, revenue, time in business, cash flow, existing debt, industry, and collateral. Requirements vary by product and lender. A healthy payment cushion matters more than a headline amount.
Documents to have ready
Keep three to six months of business bank statements, the last two years of available tax returns, identification, and entity documents privately. Equipment purchases may need a quote. Never upload documents or enter account numbers here.
A readiness score, not an approval
Our 0–100 educational score summarizes credit, business age, revenue range, foundation, business credit steps, and document preparation. Conversation-ready status also requires a completed quiz, saved funding profile, and at least half of Business Foundation.
Why personal credit still matters for business funding
Two lanes. One destination.
Most business loans and credit lines still look at the owner's personal credit. Lenders usually ask the owner to sign a personal guarantee, especially for newer businesses, and your personal score helps decide approval, rate, and credit limit. Only a small number of lenders offer financing based on the business alone, and they usually require strong revenue and years in business. That is why we build your personal and business credit at the same time, not one after the other.
- Personal guarantees are common. Your personal credit is part of most business applications.
- Better scores can mean better terms. Lower rates, higher limits, and more options.
- Even good credit can get better. Moving from good to excellent can open more doors.
Education only. Lender requirements vary. Funding is not guaranteed.
Bank term loan
A bank lends a sum repaid over an agreed term. Collateral or guarantees may be required.
Options depend on the lender, your credit, revenue, and time in business. This is education, not an offer of credit.
Business line of credit
Borrow as needed within an agreed credit limit. Repayment and available credit depend on the terms.
Options depend on the lender, your credit, revenue, and time in business. This is education, not an offer of credit.
Equipment financing
Finances an equipment purchase, often secured by the equipment itself. Review ownership and repayment terms.
Options depend on the lender, your credit, revenue, and time in business. This is education, not an offer of credit.
Invoice factoring
You sell eligible unpaid invoices to a factoring company. Review fees and responsibility if a customer does not pay.
Options depend on the lender, your credit, revenue, and time in business. This is education, not an offer of credit.
Revenue based financing
Capital is repaid through agreed revenue-linked or scheduled collections. Review payment frequency and total cost.
Options depend on the lender, your credit, revenue, and time in business. This is education, not an offer of credit.
Business credit card
A card covers business purchases through a billing cycle. A personal guarantee and personal credit effects may apply.
Options depend on the lender, your credit, revenue, and time in business. This is education, not an offer of credit.
Microloan
A smaller-scale loan is often offered by community or nonprofit lenders. Business support may be included.
Options depend on the lender, your credit, revenue, and time in business. This is education, not an offer of credit.
No. Funding is provided by third party lenders subject to their approval. This is education, not an offer of credit.
A simple way to move forward
- Step 1
Find your starting point
Take the free Snapshot using ranges and estimates. See three next steps without creating an account.
- Step 2
Follow your personal plan
Save your plan and follow your roadmap. Work on personal credit and your business at your pace.
- Step 3
Prepare your next conversation
Explore funding options and organize documents. Request a free review when you want help.
Questions
Your next chapter starts with one step.
Get your free personal plan today.
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