Not always. There are two paths:
1️⃣ EIN-only funding once your business is fully fundable, and
2️⃣ PG-assisted funding (using personal credit) for early-stage access.
Our goal is to help you build strong EIN-based credit so your business qualifies on its own.

Most clients become funding-ready in 30–90 days, depending on current structure and compliance status. The more pieces already in place (LLC, banking, address, NAICS, etc.), the faster you move into capital.

Yes — but now it serves as the foundation for business growth. If personal credit is preventing access to funding, we help you repair and position it so it supports business capital rather than blocks it.

Funding varies based on your business profile, but common forms include:

EIN-based revolving credit lines

Working capital accounts

High-limit vendor & store accounts

Fleet & card programs

Term loans and bank credit lines

Yes — that’s exactly why fundability matters. Lenders don’t fund based on age or sales alone — they fund structure + credibility + underwriting readiness. Startups can qualify once the business file is properly built.

Credit repair fixes your past.
Capital readiness builds your future.

Repair is reactive — readiness is strategic.
We now help clients move beyond cleanup and into capital access.

Yes. Building credit under your EIN creates financial separation between you and your company, protects personal borrowing capacity, and positions the business as its own financial entity.