Service

Business funding

We help you get your business into a state where a lender or an underwriter can actually evaluate it — foundations in order, business credit reporting, documents assembled. We are not a lender and not a broker, and the decision is always theirs.

Call CAG Ask us a question first

Soft pull only
You read every letter first
No fee before work is done

What an underwriter needs to see

Preparation

A consistent business identityEntity, address, phone, bank account, and filings that agree.
Records that explain the businessFinancials, bank statements, and a clear use for the funds.
Credit files ready to be readBusiness reporting and the owner’s personal file, when required.

We prepare the file for evaluation. We do not lend, broker a loan, or promise an approval.

We are not a lender, and not a broker promising approval

We do not lend money, we do not fund deals, and we do not have a relationship with an underwriter that gets you a yes. What we do is preparation: getting the business into a shape that can be evaluated, so that when you do apply, the application is not declined for reasons that had nothing to do with your business.

Most declines we see are not close calls. They are a registered address that does not match the filing, no bank account in the business’s own name, no financials, a business with no reporting credit history at all, or a personal credit file the underwriter reads first and stops at. Those are fixable. Whether a lender says yes afterwards is not something anyone can sell you.

The personal file is usually the real obstacle

For most small businesses an underwriter reads the owner’s personal credit before anything else, and often personally guarantees the facility against it. That is why this service sits alongside credit repair and credit building rather than above them — if the personal file is the blocker, preparing the business alone will not move the decision.

Who this is for

This service fits a real operating business, or one about to start operating, whose paperwork has not caught up with it.

This is probably your situation if

You have been declined and the letter did not really explain why.
You run the business through a personal bank account, or the entity name on the account does not match the filing.
You formed an LLC or corporation and never completed the rest — EIN, registered address, a business phone, a state filing that is current.
The business has been operating for a while and still has no credit file of its own, because none of your vendors report.
You are asked for financials, a profit and loss statement, or a debt schedule and do not have them assembled.
You are choosing between funding types and do not know which ones your business could realistically be evaluated for.

This is not the right fit if

You need money this week. Preparation takes months, and anyone telling you otherwise is selling something else.
There is no business yet — no activity, no customers, no plan. We cannot prepare a business that does not exist.
You want a specific amount at a specific rate guaranteed. No one can honestly offer that, and a decision is always the lender’s.
You want an application that overstates revenue, time in business, or what the money is for. We will not help with that, and it is where the conversation ends.

What actually happens

The order is deliberate. Each stage is a prerequisite for the one after it, which is why applying first and preparing later usually costs you an inquiry and a decline.

Step 1: We look at both pictures: yours and the business’s
We read your personal credit reports and, where one exists, the business’s own credit file, alongside how the business actually operates — what it does, how long it has done it, where the money comes in, and what it already owes. The output is a plain statement of what an underwriter would see today and where they would stop reading.
Step 2: We get the foundations right
Before credit, the basics have to match each other everywhere they appear: the entity registered and in good standing with the state, the EIN letter, a registered address and a business phone number that are consistent across filings and listings, a bank account in the business’s own name with the business’s activity actually running through it, and the records a lender asks for kept in one place. This stage is unglamorous and it is the one that most often causes a decline.
Step 3: We establish business credit that actually reports
A business credit file exists only if someone reports to it. We work out which accounts in your category report to the business bureaus, in what order to establish them, and how to use them so the file fills in — paid as agreed, on time, on the business’s own account rather than yours. You see the sequence in writing. We tell you what kind of account to look for; we are not paid by anyone whose product you choose.
Step 4: We assemble the document package
Underwriters ask for a predictable set of things, and assembling it in advance is most of what makes an application go smoothly: formation documents, the EIN letter, recent business bank statements, tax returns or financial statements, a debt schedule, a profit and loss statement, and the owner’s identification and personal credit picture. We tell you what is missing and what a reviewer will notice about what you have.
Step 5: Only then do you approach funding, and you decide what to apply for
When the foundations, the file, and the package are in place, we go through the kinds of funding a business in your position is typically evaluated for, what each one costs, and what each one asks. You choose what to apply for and you submit it. We do not apply on your behalf, we do not shop your application around, and we do not receive anything from a lender for sending you their way.

What we need from you

This is very close to the list a lender will ask for, which is the point. If something does not exist yet, say so — that is itself part of the picture.

Documents

Entity formation documents: articles of organization or incorporation, your operating agreement or bylaws, and any state registration or good-standing certificate.
The EIN confirmation letter from the IRS, or the notice showing the number that was assigned.
Business bank statements, typically the last three to six months, for the account in the business name.
Business tax returns, or profit and loss and balance sheet statements, if the business has them. If it does not, tell us — we work with what exists.
A list of what the business already owes: loans, advances, lines, equipment finance, and card balances, with payments and payoff amounts.
The owner’s government photo ID and personal credit reports from all three bureaus, or authorization for us to obtain them.

Effort, over the months it runs

One review session at the start, usually an hour, going through the business and your personal file with us.
Errands only an owner can run: a state filing, opening a bank account, correcting an address with a registry, requesting a document from an accountant.
Keeping the business account clean — business income and business expenses through the business account, not a personal one.
Telling us before you apply for anything, so an inquiry lands after preparation rather than during it.
Bank statements each month at the checkpoints, so the package stays current instead of being rebuilt later.

What this does not promise

Read this part before you enroll. It is the same thing we would tell you on the phone.

No approval, no amount, no rate, no date

We do not promise that you will be approved for funding. We do not promise an amount, a rate, a term, or a date. We are not a lender and we are not a broker, and a credit decision is always the lender’s — it is made against their criteria, on their timeline, and it can be no. It is possible to complete every stage of this work and still be declined.

What we will not do, ever

We will not advise you to misrepresent revenue, time in business, the use of funds, ownership, or anything else on an application, and we will not help structure an application around a false statement. That is fraud, it is prosecuted, and it does not stop being fraud because a form makes it easy. We also will not advise you to use an EIN in place of a Social Security number to obtain personal credit, or to build a separate credit identity of any kind.

Preparation is not a shortcut around the numbers

If the business does not have the revenue or the history a lender requires, having the paperwork in order will not manufacture either one. Sometimes the honest answer is that the business needs more operating time before applying makes sense, and we would rather tell you that than run you through a cycle of declines.

Rights you have, whatever you decide

You can obtain your own credit reports and dispute inaccurate information in your personal file yourself, for free, by contacting Equifax, Experian, and TransUnion directly — you never need to pay anyone, including us, to exercise that right. If you sign with us, your written agreement states any cancellation terms. Ask us for the agreement and that right in writing through our contact page.

Timing, and what it costs you to start

These are the ranges we typically see, not commitments. Nothing here is a promise about your business, your dates, or any decision a lender will make.

Typical stage lengths

Review of both pictures and a written plan: usually the first one to two weeks, driven by how quickly documents arrive.
Foundations: a few days to several weeks, depending entirely on your state, your bank, and what already exists.
Business credit that reports: commonly a few months, because a vendor or lender reports on its own cycle and a file needs more than one line in it.
Assembling the document package: usually a couple of weeks once the underlying records exist.
Lender review after you apply: entirely theirs, from a same-day automated decision to several weeks of underwriting.

Why the range is wide

What already exists. A business with a current filing and two years of clean statements is a different job from one starting at the EIN.
State and bank processing times, which nobody in this process controls.
How long the business has been operating, which no amount of preparation shortens.
Whether the personal credit file needs its own work first, which usually sets the real pace.
Which kind of funding you decide to pursue, since requirements differ sharply between them.

Nothing is charged until the work is done

We do not charge you for any service before that service has been fully performed. There is no upfront fee to enroll and no advance payment. Before you sign anything you get the full written agreement to read, and it states any cancellation terms.

Often paired with

You can be enrolled in more than one of our services at the same time. These are separate paths, not upgrades — and for funding they are frequently the same project.

Credit repair

If an underwriter is reading an item on your personal report that you believe is inaccurate, that belongs in the dispute process. It is common for this to run first, because it is often what the lender stops at.

Credit building

If your personal file is thin rather than damaged, an underwriter has very little to evaluate and a personal guarantee is hard to assess. Building that history usually runs in parallel with preparing the business.

For the whole picture — enrollment, the disclosure you receive, how we communicate, and how billing works — read how it works.

Find out what an underwriter would see today

Bring us the business as it actually is — filings, bank account, statements, and your own credit reports — and we will tell you what is in the way and in what order it can be dealt with. If the honest answer is that the business needs more operating time first, we will tell you that.

Call CAG Talk to us first

Ask for the required written disclosure and the full agreement before you sign anything. No fee is charged before the agreed work is performed. For credit repair and credit building, you can cancel for any reason within three business days under federal law or five days under Florida law, whichever ends later.