Business Funding + Credit Preparation

Stop Guessing Which Funding You Qualify For.

APPRVD reviews your credit, business and goals first, then helps identify the funding options that actually fit your profile.

  • 0% business credit
  • Business lines of credit
  • Personal loans
  • Term loans
  • SBA
  • Equipment financing
  • Real estate financing
  • And more
Check My Options See How It Works

Checking your options with APPRVD does not guarantee approval. Final funding decisions are made by third-party lenders and financial institutions.

Profile reviewWhat we look at before anything is submitted
Review first
Credit scoreReviewed
UtilizationFix first
InquiriesReviewed
Payment historyReviewed
Existing credit limitsReviewed
IncomeReviewed
Business revenueReviewed
Time in businessFix first
Banking relationshipsReviewed
Funding goalReviewed
The plan
Two items to fix before applying. Then a clear order of what to apply for, and what to skip.
Illustrative. Every profile is reviewed individually.
Starts with
An application
Your profile
Applications submitted
As many as possible
Only where it makes sense, in the right order
What you know upfront
Usually not much
The recommendation, timeline, costs, credit impact and our fee
Sometimes the answer is
"Apply now"
"Fix this first"

What Are You Trying to Do?

I need business funding

For inventory, marketing, payroll, equipment, expansion, real estate or working capital.

Explore Business Funding

I need personal funding

For qualified borrowers seeking unsecured personal loans based primarily on credit, income and existing debt obligations.

Explore Personal Funding

My credit is holding me back

We review your three-bureau credit profile, identify legitimate reporting issues and build a plan to improve funding readiness.

Explore Credit Repair

Most Funding Companies Start With an Application.

APPRVD Starts With Your Profile.

A 720 credit score does not automatically mean you should apply everywhere.

We look at the full picture:

  • Credit score
  • Utilization
  • Inquiries
  • Payment history
  • Existing credit limits
  • Income
  • Business revenue
  • Time in business
  • Banking relationships
  • Funding goal

Then we help determine what makes sense.

Sometimes the answer is "apply now."
Sometimes the answer is "fix this first."

Both answers can save you money, inquiries and unnecessary denials.

Check My Options
Before you sign anything

You Will Know Exactly What You Are Agreeing To.

Nothing is submitted to a lender until you have seen the plan and said yes.

APPRVD's funding compensation is success-based. We explain our compensation and expected costs clearly before moving forward. The standard fee is spelled out in the FAQ.

What we recommend

Which products fit, and which to skip.

Why we recommend it

The reasoning, in plain English.

Expected timeline

Realistic ranges, not promises.

Expected costs

Lender costs and ours, separately.

Potential credit impact

Hard inquiries and personal guarantees, explained upfront.

APPRVD's compensation

Success-based, agreed to in writing first.

One Business. Multiple Ways to Fund It.

0% Business Credit

For qualified business owners with strong personal credit.

Typical fit
Good credit, low utilization and clean recent payment history.
Typical timing
Approximately 2 to 4 weeks once funding-ready.

Business Lines of Credit

Reusable capital for ongoing business expenses.

Typical fit
Established business revenue and acceptable credit.
Typical timing
Several business days to a few weeks.

Unsecured Personal Loans

Personal funding without business collateral.

Typical fit
Strong credit, verifiable income and manageable debt.
Typical timing
Often several business days after approval.

Term + Working Capital

Funding for inventory, payroll, marketing, expansion and cash flow.

Typical fit
Existing business revenue.
Typical timing
As quickly as several business days depending on product.

SBA + Equipment

Longer-term financing for established businesses, equipment and larger investments.

Typical fit
Stronger business history and documentation.
Typical timing
Equipment financing can move relatively quickly. SBA financing generally takes longer.

Real Estate + Bridge

Financing for qualifying commercial property, acquisitions and time-sensitive opportunities.

Typical fit
Deal strength, borrower profile, collateral and exit strategy.
Typical timing
Varies depending on transaction complexity.
Not sure which one you need? Good. You do not need to know. We help figure that out.
Compare My Options

Funding Should Not Feel Complicated.

1

Tell Us What You Need

Complete our short intake and tell us how much capital you are looking for and what you want to accomplish.

2

We Review Your Profile

We look at the information that actually affects funding.

3

We Build the Plan

We explain which options fit, what should happen first and what may need to be fixed.

4

We Help Execute It

Our team helps guide you through the funding process.

5

You Pay APPRVD When We Succeed

APPRVD's funding compensation is success-based. Before moving forward, we explain our compensation and expected costs clearly so you know exactly what you are agreeing to.

Start My Funding Review

Before You Ask...

No.

Different funding products have different requirements.

Strong credit creates more options, but certain revenue-based, equipment and other financing programs may still be available with lower scores.

Not always.

Certain business credit products may work with newer LLCs when the owner has a strong personal profile.

Traditional business financing generally requires more operating history.

Some applications may create hard inquiries.

Not every lender or product works the same way.

That is one reason APPRVD reviews the strategy before applications are submitted.

No.

Any company guaranteeing lender approval should make you cautious.

APPRVD helps prepare, position and execute the funding strategy. The lender makes the final approval decision.

APPRVD's funding compensation is success-based.

Our standard funding success fee is 10% of funding successfully secured through APPRVD, subject to the terms of your signed agreement.

You will know and agree to the fee before moving forward.

Credit repair is a separate service with separate pricing and terms.

You absolutely can.

Our value is not access to a secret application. It is helping determine:

Where to apply. What to apply for. When to apply. What order to apply in. And when not to apply yet.

Want to Know What Actually Fits Your Profile?

Check My Options
See What I May Qualify For