You're Not Broken.
You Just Don't Know What Lenders Actually Check.
You know you're capable. Your business is real. But every lender application feels like guessing. You're stuck between "expensive funding you can get" and "bankable rates you can't access."
Every month at 35%+ interest costs you thousands. Every rejection chips away at confidence. You're working harder to go half as fast, and it's not your fault.
Source: Federal Reserve Small Business Credit Survey. Nearly half of all SBA applicants are rejected because they don't meet compliance requirements.
Lenders check dozens of signals most business owners don't even know exist: compliance items, banking behavior patterns, credit reporting consistency. You're being rejected by math, not people.
We Know Who's Approving Businesses Like Yours RIGHT NOW
75+ lenders • Pre-qualified in 48 hours • $150K-$500K typical range
Or scroll to learn what membership includes
What Actually Changes When You Join
The mechanism of transformation
Guessing in the Dark
-
✗You guess at what lenders want
-
✗You fix the wrong things (personal credit, revenue chasing)
-
✗You waste 6-12 months on irrelevant actions
-
✗You stay in expensive funding (35%+ interest)
-
✗No visibility on what changed or why
Seeing the System
-
✓We complete 13 compliance items FOR YOU (business name/address consistency, banking requirements, entity verification)
-
✓We add 7-10 vendor tradelines (report to Experian, build business credit)
-
✓Monthly dashboard shows EXACTLY what changed (150+ data points)
-
✓We pre-qualify you with 75+ lenders who are approving businesses like yours TODAY
-
✓CFO calls show EXACTLY what to prioritize (not generic advice)
-
✓72% moved up ≥1 tier using this exact system
The difference isn't effort. It's information. You can't fix what you can't see.
Choose Your Tier →Understanding Your Bankability Tier (0-3)
No compliance, no credit history. Only access to very expensive funding (35%+). Most lenders won't even review your application.
Expensive rates (15-25%), short terms, limited options. You can get approved, but it's costly.
Better rates (8-12%), longer terms, $150K-$500K access. Banks compete for your business.
Best rates (6-9%), institutional terms, $500K-$2M+ access. You're in the top 1% of borrowers.
The $1 scan shows you exactly which tier you're in right now, and the specific path to move up.
Why Most Applications Fail
The data nobody shows you before you apply
Why? Most applicants don't know the 13 compliance items lenders check. They're rejected by math, not people.
How We Do It:
- ✓ We complete 13 compliance items FOR YOU
- ✓ We pre-qualify you with 75+ lenders before you apply
- ✓ We send you to lenders with 21% denial rates (not 45%)
- ✓ You apply when bankable, not when desperate
Source: LendingTree analysis of Federal Reserve 2024 Small Business Credit Survey
The "Fundable" Trap
Getting approved for funding is easy. Getting approved for funding that doesn't bleed your business dry is hard.
- ✗ 25-50% interest rates
- ✗ 12-24 month terms (short repayment = high monthly cost)
- ✗ Under $100K limits
- ✗ Daily/weekly payment requirements
- ✓ 7-12% interest rates
- ✓ 3-7 year terms (longer repayment = lower monthly cost)
- ✓ $150K-$500K+ limits
- ✓ Monthly payment schedules
Anyone can get you "funded." We help you become bankable, where the terms don't kill your business.
10 Things That Become Clear
When you see the system instead of guessing at it
This is activation, not persuasion
You See Where You Stand
Dashboard updates monthly with 150+ data points. No guessing. No wondering. Just clarity.
Security + ControlYou're Guided, Not Sold
Foundation gets group calls. Structure gets quarterly 1-on-1. Leverage gets monthly partnership.
Autonomy PreservedRules Are Visible
20-item compliance checklist. Step-by-step workflows. Video walkthroughs. You're not alone.
System TransparencyYou Stop Overpaying
72% of members moved up at least one tier in 6 months. Better tiers = better rates.
Reward + Loss AversionTax Strategy Clarity
Upload prior year return. Get personalized recommendations. Average savings: $47K/year.
Cognitive OffloadingTrack Progress Monthly
SHIELD scores update. Tier adjusts. Compliance checklist fills in. Watch yourself move up.
Progress VisibilityAccess 3,000+ Vendors
Conserve cash. Build credit. Get Net 30-90 terms on everything. All reporting to bureaus.
Resource AccessThe Business Credit Score That Actually Matters
Banks use a different credit score for businesses (FICO SBSS). Most business owners have never heard of it, but it is what lenders check first. We show you what it measures and how to build it to the threshold lenders require.
Authority Through ExplanationRealistic Timeline
4-6 months to bankable. No miracles. Just the actual requirements: 3 bank cycles, tradeline reporting.
Honest ExpectationsJoin The 1% Club
When you're bankable, lenders compete for you. That's how the system works when you meet the requirements.
Status + IdentityThe Sequence Works
Social proof: the numbers don't lie
"From invisible → taken seriously"
"From bleeding tax → strategic"
"From overwhelmed → in control"
"From rejected → recruited"
"From invisible → bankable"
"From hoping → executing"
See your exact tier, SHIELD scores, and compliance status
What Credit Score Do Lenders Actually Check?
Dun & Bradstreet "80" score, which only makes up 5% of what banks actually check.
10,000+ lenders (banks, credit unions, SBA) no longer use this as their primary decision factor.
FICO SBSS (Small Business Scoring Service), you need at least a 160 to qualify for bankable rates.
Most business owners have never even heard of this score, but it's the #1 factor in approval decisions.
We show you exactly what FICO SBSS measures and how to build it to 160+.
That's the difference between guessing and knowing.
Your First 6 Months
The path from where you are to bankable
Foundation tier shown (Structure and Leverage accelerate this)
Month 1
Assessment Phase
- → First dashboard update
- → Compliance checklist review
- → Vendor credit apps (3-5)
- → First group CFO call
Month 2
Foundation Building
- → Tradelines start reporting
- → Business name/address consistency verified
- → Bank behavior optimization
- → Tax strategy uploaded
Month 3
First Bank Cycle
- → Dashboard shows improvements
- → SHIELD scores update
- → Compliance items checked off
- → Vendor tradelines reporting
Month 4
Momentum Building
- → Second bank cycle complete
- → Tier assessment (might move 0→1)
- → Additional tradelines added
- → Tax recommendations done
Month 5
Third Bank Cycle
- → FICO SBSS builds to threshold
- → Bank rating improves visibly
- → Tier assessment (might move 1→2)
- → Bankable opportunities appear
Month 6
Bankable Status
- ✓ 72% moved up ≥1 tier
- ✓ Access $150K-$500K capital
- ✓ Interest rates 8-12% (vs 35%+)
- ✓ Continue or upgrade to Structure
This is the realistic path. No shortcuts. No miracles. Just the actual sequence that 72% followed successfully.
Start Your 6-Month Journey →Choose Your Tier
All tiers include the $1 Bankability Scan and 7-day trial. Cancel anytime.
Your scan, dashboard, roadmap, and support are delivered inside the community. You do the steps with peers and guidance, because execution is the product.
Self-Guided Clarity
Non-member: $149/mo
Best for: Tier 0-1 businesses building foundation
What's Included:
Monthly Dashboard Update
SHIELD scores, compliance tracking, 150+ data points
13-Item Compliance Checklist
Business name consistency, entity verification, banking requirements
Group CFO Q&A Calls
1 live call per month (recorded for replay)
Community Forum Access
Ask questions, share progress, learn from others
Vendor Credit Directory
75+ pre-approved vendor credit sources
Pre-Qualification Snapshot
See which lenders match you, before you apply
Tax Strategy Analysis
Find savings and avoid tax moves that weaken approvals
Guided Partnership
Non-member: $497/mo
$297 setup
Best for: Tier 1-2 businesses ready for bankable rates
Everything in Foundation, PLUS:
Quarterly 1-on-1 CFO Calls
3 hours per year of personalized strategy
Personalized Bankability Roadmap
Custom plan based on your SHIELD assessment
Tax Strategy Implementation
Positioning that strengthens approvals, not weakens them
Pre-Qualification with 75+ Lenders
See who will approve you before applying
10-15 Tradeline Additions
Strategic credit building that moves SHIELD scores
Priority Support
24-hour response time on all questions
Average ROI: 12:1 (saves $2,148/month in interest)
Full Partnership
Non-member: $1,200/mo
$497 setup
Best for: Tier 2-3 businesses accessing prime capital
Everything in Structure, PLUS:
Monthly CFO Partnership Calls
12 hours per year with dedicated advisor
Dedicated CFO Advisor
Same advisor every call, they know your business
Direct Lender Introductions
We make warm introductions to decision-makers
Institutional Capital Access
$500K-$2M+ funding at prime rates (6-9%)
White-Glove Support
4-hour response time, priority access to team
7-Day Risk-Free Trial + 90-Day Money-Back Guarantee
Start with the $1 scan. If you don't see your SHIELD scores improve within 90 days, we'll refund your membership (excluding setup fee).
We're confident because 72% of members move up ≥1 tier in the first 6 months.
What the Setup Fee Covers
This isn't just an "admin fee." It's the foundation of your bankability transformation.
13-Point Compliance Audit
We verify business name consistency, entity verification, banking requirements, and 10 other compliance signals lenders check.
Typical cost if done separately: $500-800
SHIELD Score Assessment
Your initial scan shows 150+ data points across all six signals. We analyze where you are and create your custom roadmap.
Typical cost if done separately: $300-500
Initial Tradeline Setup
We identify and set up 3-5 initial vendor credit accounts that report to business bureaus and improve your SHIELD scores.
Typical cost if done separately: $400-700
Get Prequalified → Get Approved → Get Funded
We have the lenders. You become the borrower they want.
Get Prequalified
We pre-qualify you with 75+ lenders in 48 hours. No hard pulls. No applications yet.
Get Approved
We send you to lenders who are approving businesses like yours TODAY. Not cold applications.
Get Funded
Use your financing for: equipment, inventory, payroll, expansion, debt consolidation, and more.
Use Your Financing For:
4,800 active members. $2.1 billion in capital accessed. 72% moved up ≥1 tier in 6 months.
Start Your Pre-Qualification →You're Not Alone, We Guide You Every Month
Predictable support. No surprises. You know what's coming.
This is security + control
Dashboard Updates
- → Re-scan 150+ data points
- → Updated tier placement
- → Fresh SHIELD scores
- → Compliance status
Expert Support
- → Foundation: Group CFO Q&A
- → Structure: Quarterly 1-on-1
- → Leverage: Monthly partnership
- → Forum + email support
New Resources
- → Updated funding opportunities
- → New vendor credit lines
- → Latest tax strategies
- → Member success stories
Progress Reminders
- → Checklist status updates
- → Tradeline reporting alerts
- → Bank rating maintenance
- → Next-step recommendations
What Staying at High-Risk Rates Costs You
The opportunity cost of waiting
12-Month Cost
12-Month Cost
Foundation membership pays for itself in the first month if you're carrying $100K at high interest.
The question isn't "Can I afford membership?" The question is "Can I afford to keep overpaying?"
Stop Overpaying - See Tiers →Most Common Paths
The sequence works. The numbers prove it.
Questions We Hear
Honest answers to common concerns
"What if I'm too far behind?"
68% of Tier 0 members moved to Tier 1+ within 6 months. The sequence works regardless of starting point. Sarah went from completely invisible (Tier 0) to bankable (Tier 2) in 8 months using Foundation tier.
"What if I can't afford it right now?"
Foundation is $49/mo. If you're paying 35% on a $50K loan, you're spending $1,458/month in interest. This reduces that cost. The membership pays for itself if you're carrying any high-interest debt.
"What if I don't have time?"
Foundation requires ~2 hours/month (1 dashboard review, 1 group call). Structure adds 1 hour/quarter. Leverage adds 1 hour/month. You're already spending time applying for funding, this just makes it more effective.
"What if this doesn't work for my industry?"
We have members in 47+ industries (home services, e-commerce, construction, consulting, tech, real estate, logistics, healthcare, and more). The Capital Ladder is universal, lenders care about FICO SBSS, bank behavior, and compliance regardless of industry.
"What if I just need funding NOW?"
Membership doesn't delay current funding, it improves future funding. If you're Tier 0, you'll only access expensive funding now anyway. If you're Tier 1, you'll access 15-25% now. Join, get funding, AND start improving your position for next time.
"What if I cancel after the trial?"
You keep your scan results forever. You keep access to the vendor credit directory. You lose ongoing dashboard updates and CFO guidance. 83% of trial members continue past 7 days because they see value immediately.
Still have questions? Email us. We're operators, not salespeople. If this isn't right for you, we'll tell you.
"Will I still need to personally guarantee loans?"
Here's the honest truth: if your business is under 3 years old OR under $1M in revenue, most banks, credit unions, and SBA lenders will require a personal guarantee. That's how business lending works in 2025.
But here's what DOES change when you're bankable:
- ✓ Lower personal credit score requirements (680 vs. 720+)
- ✓ Limited guarantees instead of unlimited guarantees
- ✓ Smaller personal asset requirements
- ✓ Better protection structures through proper entity setup
We can't eliminate personal guarantees for young businesses, but we CAN minimize your personal risk exposure while building toward corporate-only credit.
"What about those 0% business credit cards I keep seeing?"
Business credit cards CAN be useful, but there's a trap most owners don't know about:
⚠️ The Hidden Trap:
If you're even ONE day late on payment, that 0% interest disappears and flips to 34.99% retroactively. Not 30 days late, ONE day. Miss the due date by 2 days and your 0% deal is gone forever.
Also important to know:
- • These cards are based on YOUR personal credit (not truly "business credit")
- • You personally guarantee them
- • In business lending, "late means late" (no grace period)
Better approach: Use them strategically as part of a larger plan, but don't rely on them as your primary capital source. We show you how to use them correctly without the risk.
See Where You Stand
Take the $1 scan. See your exact tier, SHIELD scores, and compliance status. Then decide if joining the community makes sense. No pressure. No tricks. Just clarity.
Start Your $1 Scan →7-day trial • You choose your pace • Keep scan results forever
Our Guarantee
If you don't see your dashboard update, your compliance checklist, or access to vendor credit, we refund 100%.
If your first quarterly CFO call doesn't provide a clear roadmap and actionable next steps, we refund the setup fee.
If your dedicated CFO advisor doesn't help you access bankable capital opportunities, we refund everything.
We only win if you move up the ladder.
Fundabl is a fintech company that provides greater access to credit, capital, and entrepreneurship for consumers and small businesses nationwide
Quick Links
Contact Us
Legal
© Fundabl Group 2026 All Rights Reserved.