We'll make your business
Bankable
and help you
access $100K to $500K
at low to zero percent rates

Cards first. Then the loans the cards make possible.

Round one is 0% business credit cards. That is the fastest liquid capital a prepared profile can reach, and more than that, it is how an account gets opened inside a tier one bank. Once that account reports on time for a few cycles, the bank that issued the card is the same bank you go back to for a line of credit or a term loan, and for SBA money once the file carries it. You walk in with a history instead of an application.

That is the sequence, and it only runs in that order.

Plenty of files are not ready for round one on day one. Utilization sitting too high is the usual reason, and the move is sometimes a low interest personal loan used to pay that utilization down, which puts the profile back in the range the card issuers underwrite to before a single business application goes out. Whether that applies to you depends on what your report actually says. There is no one shape this takes.

That is what the Bankable Blueprint call is for. We read the file and tell you which version of the sequence yours needs.

A flat fee for the engagement, and you get the exact number on your call once somebody has read your profile. No percentage on the back end.

Now, "nothing up front, we only get paid when you get funded" sounds like the aligned offer. I understand the appeal. So look at what that model actually pays a person to do.

Most of the shops running it are a year old and one person deep. They want your credit profile and, in a lot of cases, your power of attorney, so they can shotgun applications at as many banks as possible and see what sticks. Whether anything comes back at 0% does not change their invoice. They take the same ten percent on a charge card, on a personal loan, on a personal credit card, on a merchant cash advance. Anything with a number attached to it.

And they cannot afford to work any other way. Every hour spent clearing your compliance items or waiting on your utilization is an hour they are not earning. The next file pays better. It is a volume business, and you are the volume.

Now grant them their best case. They place $100,000 and invoice you $10,000. But if your profile could carry $100,000 exactly as it sat, you never needed them. You needed an afternoon and a few YouTube videos. AND THAT IS THE BEST CASE.

The likely case is a burned profile and an invoice.

So the fee is up front because the work is up front. Thirty to forty five days optimizing the profile before anything gets filed, then rounds sequenced roughly every thirty to sixty days across a six to twelve month engagement, each one spaced by what the file can carry after the last. That is what you are buying. Filling out the application is the easy part.

More people ask this than ask whether they'll get approved at all, and that's the right instinct.

Fewer pulls than doing it yourself. Different banks read different bureaus, and several will approve two cards on a single pull when the applications go in together, so the order decides how many pulls it takes to reach the same limits. After an approval lands, the hard inquiry behind it comes off. The ones that come off are hard inquiries that never became an open account, which is most of what's sitting on a file by the time somebody calls us.

Several banks also cap how much recent activity they'll look past, and this is the part that actually costs money. Too many pulls or too many new accounts in the window they look at and you get declined on the rule, not on your score. So a wasted inquiry doesn't just lose you that approval. It makes the correct one harder to get two months from now. It eats the file.

That's what the sequence buys you. Capacity.

No. The 0% business cards we go after do not report to your personal profile at all.

That is not a footnote, it is the engine. A business card that reports personally drives your utilization up, pulls your score down, and stalls the next round for months. It is the fastest way to break a sequence that was working. Some issuers do it and we do not apply to them, and if another shop is filing on your behalf, which cards they are filing is the first thing you should make them show you.

Because the account never lands on your personal file, the hard inquiry that produced it does not have to stay there either. An inquiry with no open account attached to it can be removed. That is the mechanism that lets us go back for another round, and another, without the profile degrading a little more each time you use it.

A client watched his score drop eighteen points in a day because a business card he had opened on his own reported at 75% utilization. Nobody told him it would. Which cards, in which order, is the answer to a question most business owners never know to ask.

You could do some of it. Some people do.

This is a white glove engagement for business owners who would rather spend their time running the business than learning an industry. What you are buying is somebody who already knows where the landmines sit: which issuers report business cards personally, which ones approve two on one credit pull, what order a file has to be worked in, what a bank reads before it ever gets to your revenue. None of that is published anywhere. It comes from watching credit profiles land every week, for years, across more industries than I could list here.

And look at how we get paid, because it decides everything above it. One flat fee. The more capital we help you access, the cheaper that capital gets. A shop taking ten to twenty percent of what it places is the exact inverse: every additional dollar it finds you costs you more. Ours is the only version where our upside and your cost of capital move the same direction.

You will have one funding advisor, US based, the same person from your first call through your last round. Nothing gets handed to a fulfillment team you have never met. There is a published number and a real office in West Palm Beach if you want to check it, and every active file is read each morning by five or more advisors before anybody contacts a client.

So what people are actually buying is the long game: a personal profile that survives the process, and a business strong enough that a bank will lend to it at prime. The lowest blended rate across the whole stack is worth more than the fastest yes on one card.

Show up and share your screen. And don't open new credit while we're working.

Applications get done live on Zoom with you watching. You'll never get a text saying something was submitted under your name.

And there's a mechanical reason for that, not just a trust one. The banks got strict about IP address and geolocation on business applications. It has to come from your device, in your location, or you get auto-denied or approved for a fraction of what the file could carry. So you click the buttons. We tell you which button, in which order, and what each field is actually asking.

Some shops file under your name while you're not even on the call. We don't get that option, because the bank won't take the application from anybody but you.

Between rounds you sit still. No new cards and no new loans, and nothing large parked on a card that's about to get pulled.

Bring your spouse or business partner to the call. They're included in the engagement at no extra cost, personal credit gets pulled, and it's a two person decision in most households anyway.

For round one, no. The 0% business cards run off your personal profile, so the age of the LLC doesn't decide it, and nobody is asking you for tax returns yet.

Documents come in later, for the bank lines and the SBA products, and getting that paperwork in order is part of the six months.

A score on its own decides very little. All it does is summarize history, and history is not the same thing as capacity.

What a bank reads is the highest limit already sitting on your file and who issued it, how your utilization is split across accounts, how long the file has been open, and what's been pulled recently. Thin files with clean numbers get declined every day of the week. That's what the first call is for. We read the report with you and tell you which of those is in the way.

Round one runs as soon as your file is ready, not at the end. An owner told me this summer he'd assumed the six months was all preparation and the money came last. It's the other way around.

What sets the wait is your file. Utilization has to come down, the compliance items have to clear, accounts have to season, and the file has to read the same on every record a bank pulls. An application sent before that is the one mistake you can't undo, because the approval you burn is the one you needed.

Rounds are spaced by what the file can carry, not by a calendar we hand you, and the gap between them is when the inquiry cleanup and the credit gardening happen. Anyone quoting you a fixed number of rounds before reading your report is quoting you a brochure.

And the six months doesn't start when you sign. It starts when we go for funding. If your profile needs work first, that time doesn't come out of your engagement. You get the full run of rounds either way.

0% is short term capital. It runs twelve to eighteen months depending on the issuer and then it prices like any other card. Anyone telling you otherwise is selling you round one and nothing behind it.

So treat that window as runway, not as the product. While those cards are seasoning, the other half of the engagement is running in parallel: the compliance items, the reporting tradelines, the business credit file that decides whether a bank will lend to the company on its own name. By the time that date arrives, the balance needs somewhere cheaper to go.

There are two places it can go. Inside the card, if you are eleven months in and the issuer has a second business card in its lineup, those limits can combine onto the new one and the clock restarts at 0% on the whole balance. Outside it, the bank line or the term loan the last six months were building toward, which is the real exit and the reason none of this was ever about credit cards.

That is what bankable buys. The next time the business needs capital you are not reaching for a merchant cash advance or your own personal cards. You are calling a bank that already knows the file.

The first answer is that we try not to let it get that far. We read your credit report on the call, before anyone signs anything, and if the file can't support what you're after right now we say so there, along with what would have to change. Turning people away is cheaper for both of us than finding out in month three.

Past that, the engagement doesn't run on a date. The client agreement sets a written minimum of $100,000 for qualified clients who complete the program, and how that applies to your file gets walked through on the call, before you sign anything.

There are conditions and they're not fine print. Attend the calls. Follow the plan. Don't terrorize your credit profile while we're optimizing it.

And ask the last company you spoke to whether they'll put a number in the agreement before you ever apply. Most of them can't. Their model doesn't let them.