Frequently Asked Questions

Clear answers about our process, business credit, and how to become bankable.

General Questions

What exactly is a Bankability Scan?

The Bankability Scan is a comprehensive diagnostic tool that evaluates your business across our Four Legs of Bankability framework. It identifies red flags that lenders look for, compliance issues, and gaps in your credit profile, giving you a clear picture of why you might be denied funding and exactly what to fix.

Will this guarantee I get funding?

No honest company can guarantee funding, as final decisions always rest with the lender's underwriting department. What we guarantee is that you will build the strongest possible foundation, fix automated denial triggers, and maximize your readiness, drastically improving your approval odds and terms.

How long does the process take?

Building true bankability is not an overnight process. While compliance issues can often be fixed in a few weeks, establishing a strong bank rating and comparable credit history typically takes 4 to 8 months of structured, strategic action.

Do I need good personal credit to use your system?

While strong personal credit is always helpful (especially for startups), our ultimate goal is to help your business stand on its own so you no longer have to rely on personal guarantees. We help you build a business credit profile that is separate from your personal SSN.

Business Credit

What is the difference between business credit and personal credit?

Personal credit is tied to your Social Security Number (SSN) and tracks your personal debt. Business credit is tied to your Employer Identification Number (EIN) and tracks your business's debt and payment history. They are evaluated by different bureaus (like Dun & Bradstreet for business) using different scoring models.

What is a Paydex score?

The Paydex score is a business credit score generated by Dun & Bradstreet. It ranges from 1 to 100 and is based entirely on your payment history with vendors and suppliers. A score of 80 or above indicates prompt payment and is generally required by most lenders.

Why do I need vendor credit if I want a cash loan?

Vendor credit (like Net-30 accounts) is the foundation of your business credit profile. Lenders want to see a history of you successfully managing and repaying smaller debts before they will approve you for larger cash loans or lines of credit. This is known as 'Comparable Credit'.

Lender Compliance

What does 'Lender Compliance' mean?

Lender compliance refers to how your business entity is set up on paper and online. Lenders use automated systems to verify your business address, phone number, entity status, and industry codes. If these details are inconsistent or look unprofessional (e.g., using a home address or personal cell phone), your application can be automatically denied.

Can I use my home address for my business?

While it's legal to operate from home, using a residential address can trigger automated denials from commercial lenders. Lenders prefer physical commercial addresses. We guide you on how to set up compliant virtual offices or commercial addresses if you don't have a physical storefront.