A fully funded business idea

Six stages, one climb. Estimated $1,000-$2,000 out of pocket and, done in a timely manner, only at Stage 1. Each stage that follows is designed to be financed and paid down as the next phase progresses.

1. 1

   Credit enhancement

   Foundation built within FCRA guidelines

   Where applicable, credit enhancement is the starting line: a genuine fresh start. The timeline for results varies with the number of delinquencies, but before the wealth-building process begins, inaccurate or unverifiable items should be addressed under the FCRA where it applies. In a perfect world this is the only dollar amount that actually comes out of your pocket; the stages that follow are designed to be financed, with each paid down as the next phase progresses.

2. 2

   Profile buildout

   Financed tradelines, potentially $0 down

   During the profile buildout phase we review your profile to find the personal tradeline package that fits you best. Using our financed tradeline model, you can potentially acquire tradelines with $0 down and make only three to four payments before you reach the seed-money phase, where the earlier costs can be refinanced into a larger loan.

3. 3

   Institution relationships

   High-limit lines, about 1-2 months

   Banks and credit bureaus vary on tradeline posting dates; we estimate this takes roughly one to two months. During that window you can use the relationship guides to leverage past payments and establish new high-limit credit lines. Setting up secured pledge loans directly with your bank builds the strongest relationship, but if that is out of budget, we can guide you toward higher limits at a lower cost.

4. 4

   Seed money

   First funds, multiple rounds

   This is where the hard work starts to pay off and you get the first taste of funds hitting your account. We work with a variety of lenders to pursue the best available rate, though every profile history is different. If you used the first three stages to their fullest, you may be positioned for several rounds of seed money to refinance those micro-loans into a larger set.

5. 5

   Company acquisition

   Shelf corporation or your own

   A pivotal moment: investing your new capital responsibly. If you are prepared to carry the loans you have taken and truly bet on yourself, a season-aged shelf corporation can be the next step. It can support larger funding capacity as you grow. You may bring a pre-existing company or start fresh; both are always options. Either way, the education you gain through the shelf-corporation process is the most valuable piece. The choice is yours in how you take the next step.

6. 6

   Business funding

   Personal + business, combined

   Here we leverage every previous step together, and the effort you have put in begins to compound. Think of your time and effort as an investment. How much did you invest to reach this level? Business funding combines personal and business history into one holistic picture when the bank runs your application. The question that can shape the outcome: how well did you structure your company?