What our clients were approved for, in their own words

A handful of Zoom calls across about 60 days of applications. His funding advisor, Johnny, built the plan, kept the spreadsheet and told him exactly what to submit and when. Two Chase applications took about seven minutes of his time.

Andrew runs a tech business on top of a salaried career of more than twenty years. Strong credit, no funding company before, and no time. He wanted capital on hand to take on bigger clients, and in his words he'd rather the business stand on its own than put his personal funds at risk.

Before anything was filed, Johnny made the business address match on every record a bank checks, and had Andrew open a new business account and keep about $5,000 in it so the bank saw a real, active account instead of a blank one.

Wells Fargo and Chase file a lien on the business's assets as soon as a business line of credit opens, and that can get in the way of an SBA loan later. So Wells was used for a 0% card only, and the lines went to banks that don't file one.

$164,500 in 0% business cards and $360,000 in business lines of credit, including a $90,000 line from Amex. Eight products at six institutions.

Brandy was opening her first med spa, with no income and no revenue coming in yet. She'd talked to more than 20 banks about an SBA 7(a) loan. Every answer came back the same: startup, no revenue, not enough collateral.

0% business cards are approved on the owner's personal credit, not on the business's revenue. Her personal credit was strong. That's the door the SBA conversations never opened, and the business cards don't show up on her personal credit report.

Nothing was filed for a month. A few balances were paid down to bring her utilization in line, old hard inquiries that never became accounts were removed, and the banks were put in order by which credit bureau each one pulls.

First application April 22. Her first approval was a $50,000 Amex, and a second Amex came right behind it. In her words, she didn't know you could hold two cards from the same bank at the same time. Last approval May 23.

$222,000 across nine approvals at six institutions, for a business that hadn't made its first dollar. $187,000 of it at 0%, the rest at the banks' own rates.

Dr. Truong runs a busy healthcare practice in Florida. His staff was stretched thin and he needed to hire. He was also carrying higher-interest card debt he wanted gone. The last company he tried gave him a portal to read through alone, with nobody to call.

His funding advisor, Johnny, worked around a doctor's schedule. He explained each step before it happened, kept new negatives and extra inquiries off the credit report, and gave a date for every next move.

First application March 3, last approval April 21. Six products at six institutions.

$104,000 in 0% business cards. And $80,000 in two business lines of credit from Bluevine and Amex, approved on the practice's own numbers, which he can draw from and pay back as he needs.

The first capital paid off his higher-interest card debt and freed up cash flow, then paid for a new hire. His own bank, where he's a VIP client, had never brought these options up.