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Unlock Capital.
Restore Credit.
Build Your Future.
Densonney Consulting provides expert business funding solutions and credit restoration services to help entrepreneurs and individuals achieve their financial goals — with a personalized strategy behind every step.
Confidence and clarity in a complex financial world.
We're dedicated to helping businesses and individuals navigate the complex world of business funding and credit optimization with confidence and clarity.
At Densonney Consulting, we believe that access to capital and a strong credit profile shouldn't be privileges reserved for the few. Our mission is to democratize financial opportunities by providing expert guidance, personalized strategies, and ongoing support to every client we serve. Whether you're launching a new venture, expanding an existing business, or rebuilding your financial foundation, we're here to light the path forward.
Built for every stage of the financial journey.
From first-time entrepreneurs to seasoned investors, our services meet you exactly where you are.
Entrepreneurs seeking startup capital
Small business owners looking to expand
Real estate investors needing financing
Individuals rebuilding their credit
Business owners optimizing their credit profiles
Professionals establishing new business entities
We combine deep industry knowledge with personalized service.
Trusted Expertise
Years of experience navigating business funding and credit optimization.
Proven Results
Hundreds of clients funded and credit scores improved.
Personalized Approach
Every strategy is customized to your unique situation and goals.
Fast Turnaround
Efficient processes to get you funded or credit improved quickly.
Transparent Process
Clear communication and no hidden fees. Know exactly what to expect.
A streamlined path to funding and stronger credit.
Four deliberate stages, applied to every engagement — from the first conversation to ongoing optimization.
Discover
Share your goals in a free consultation. We assess your situation and identify opportunities.
Plan
Receive a customized strategy tailored to your business needs and credit profile.
Execute
We guide you through every step, handling paperwork and lender communications.
Optimize
Ongoing support to maintain your credit health and identify future opportunities.
Comprehensive solutions for capital and credit.
Eight specialized services spanning business funding and credit strategy — select any card below to explore the full details.
0% APR Business Funding
Access capital with zero interest for qualified businesses. Build credit while growing.
Learn moreDSCR Loans
Debt Service Coverage Ratio loans based on property cash flow, not personal income.
Learn moreMerchant Cash Advance
Fast capital based on future sales — ideal when speed matters more than rate.
Learn moreSBA Loans
Government-backed loans with competitive rates for small business growth.
Learn moreCredit Restoration
Dispute inaccuracies and optimize your credit profile for better opportunities.
Learn moreBusiness Formation
Establish your business entity with proper structure for growth and protection.
Learn moreTradelines
Authorized user tradelines to help build or improve your credit history.
Learn moreAged Shelf Corporation
Acquire an established entity to fast-track corporate age and credibility.
Learn moreEverything you need to know, before you apply.
0% APR Business Funding
Overview
0% APR business funding allows you to access capital without paying interest for an introductory period — typically 12 to 24 months. This leverages business credit cards and lines of credit to provide flexible capital for virtually any business purpose.
Unlike traditional loans, it doesn't require collateral and can be obtained relatively quickly. When managed properly, it's one of the most cost-effective ways to finance growth while building your business credit profile. We help you strategically apply for and manage multiple 0% APR accounts to maximize available capital while maintaining healthy utilization ratios.
Who Is This For?
- Business owners with good to excellent personal credit (680+, 720+ preferred)
- Entrepreneurs looking to fund inventory, equipment, or marketing
- Businesses that want to build business credit while accessing capital
- Those who can pay off or transfer balances before the intro period ends
- Startups needing flexible funding without rigid repayment schedules
Most clients can access initial funding within 30–60 days.
Personal credit 680+ (720+ preferred) · clean credit history · established entity (LLC/Corp) · business bank account · EIN · basic documentation.
DSCR Loans
Overview
DSCR (Debt Service Coverage Ratio) loans are designed specifically for real estate investors. Unlike traditional mortgages requiring extensive income documentation, DSCR loans qualify borrowers based on the property's cash flow — whether rental income can cover the mortgage payment.
This makes DSCR loans ideal for self-employed individuals and investors who may have difficulty documenting traditional income but have strong investment properties generating rental income. We connect you with lenders offering competitive products and help prepare your application to maximize approval odds.
Who Is This For?
- Real estate investors purchasing rental properties
- Self-employed individuals who can't easily document income
- Business owners with complex tax situations
- Investors building a portfolio of income-producing properties
- Those refinancing existing investment properties
Closings in 21–45 days; pre-qualification within 24–48 hours.
Rental-income property · credit score 620–660+ · 20–25% down payment · DSCR of 1.0 or higher · appraisal & rent schedule · 6–12 months reserves.
Merchant Cash Advance
Overview
A Merchant Cash Advance (MCA) provides quick access to capital based on your business's future sales. Instead of fixed monthly payments, repayment is typically a percentage of daily credit card sales or fixed daily/weekly ACH withdrawals.
MCAs are known for fast approvals and flexible qualification — they focus more on revenue than credit score. While costs run higher than traditional financing, we help you understand the true cost of capital and determine whether an MCA is the right fit, exploring alternatives with better terms where possible.
Who Is This For?
- Businesses needing fast access to capital (24–72 hours)
- Companies with strong daily sales but lower credit scores
- Seasonal businesses with fluctuating revenue
- Businesses that can't wait for traditional approval timelines
- Those capitalizing on time-sensitive opportunities
Approval often within 24 hours; funding within 24–72 hours. Some same-day options available.
6+ months in business · $10,000+ monthly revenue · consistent bank deposits · no open bankruptcies · 3–6 months bank statements.
MCAs typically cost more than traditional loans. We'll walk you through factor rate vs. APR-equivalent before you commit.
SBA Loans
Overview
SBA (Small Business Administration) loans are government-backed loans offering some of the best terms available: lower interest rates, longer repayment terms, and higher borrowing limits than conventional loans. The SBA doesn't lend directly — it guarantees a portion of the loan made by approved lenders, reducing their risk and enabling better terms.
We guide you through the application process, help gather required documentation, and connect you with SBA-approved lenders most likely to approve your specific business profile.
Popular SBA Programs
60–90 days from application to funding. We help ensure your application is complete from day one.
For-profit U.S. business · owner equity invested · credit score 650–680+ · strong financials · business plan (startups) · 2–3 years tax returns · collateral may apply.
Credit Restoration & Optimization
Overview
Your credit score impacts nearly every financial decision — from loan approvals and interest rates to rental applications and insurance premiums. Credit restoration helps you take control of your profile by identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports.
We go beyond simple dispute letters: analyzing your complete credit profile, developing a strategic plan to address negative items, and guiding you on building positive history going forward — fully compliant with the Fair Credit Reporting Act (FCRA).
Who Is This For?
- Individuals with inaccurate negative items on their reports
- Those recovering from past financial difficulties
- Business owners needing better personal credit for funding
- Anyone preparing for a major purchase who needs a stronger score
- People with identity theft issues affecting their credit
Initial results in 30–60 days; significant improvement typically within 3–6 months.
We help clients dispute inaccuracies in compliance with federal law. We do not remove accurate negative information, and cannot guarantee specific score improvements or timelines.
Business Formation
Overview
The foundation of any successful business starts with proper entity formation. Choosing the right structure — LLC, Corporation, S-Corp, or Sole Proprietorship — impacts your liability protection, tax obligations, and ability to raise capital.
Beyond filing paperwork, we guide you through the complete process of setting up your business foundation for growth — from EIN acquisition to business banking to establishing your initial business credit profile.
Package Includes
- Entity type consultation and recommendation
- State registration and Articles of Organization/Incorporation
- EIN (Employer Identification Number) acquisition
- Operating Agreement or Corporate Bylaws
- Business bank account setup guidance
- Business credit building foundation
Basic formation: 1–2 weeks. Full foundation package (EIN, banking, credit setup): 30–45 days.
Desired business name · business address · entity type decision · personal ID · initial investment for filing fees.
Tradelines
Overview
A tradeline is any credit account that appears on your credit report. Authorized user tradelines allow you to be added to someone else's credit card account, inheriting the positive payment history and credit limit on your report.
Used strategically, tradelines can help establish credit history, improve utilization ratios, and boost scores — particularly for those with thin credit files or those rebuilding credit. We connect you with reputable providers matched to your goals, budget, and timeline.
How Tradelines Help
- Average age of accounts
- Credit utilization ratio
- Payment history (if the account has perfect payment history)
- Credit mix diversity
15–45 days to report, depending on the issuing bank's cycle; usually remains 60–90 days.
Valid government ID · Social Security Number · current credit report analysis · clear goals & timeline · investment for tradeline purchase.
Aged Shelf Corporation
Overview
An aged shelf corporation is a legally incorporated business entity formed and then "placed on the shelf" — kept in good standing without conducting business. These corporations have age without operational history.
Acquiring one can provide established corporate age for credibility, the potential to build business credit more quickly, and meeting age requirements some vendors or lenders may have. We help you acquire properly maintained corporations with clean histories, ensure proper transfer of ownership, and guide activation for your needs.
What You Get
- Corporation with verified age and clean history
- Complete transfer of ownership documentation
- Corporate minutes and resolutions
- Certificate of Good Standing
- Guidance on EIN and banking setup
Acquisition and transfer completed within 1–2 weeks.
Aged corporations provide corporate age, but not established business credit. Building credit still requires strategic effort after acquisition — we'll guide you through it.
Guides to help you make informed decisions.
Practical, plain-language resources on credit, funding, and building a bankable business, written by our advisory team.
Understanding Your Credit Report: What Actually Moves the Needle
A breakdown of the five factors that make up your credit score, payment history, utilization, account age, credit mix, and new inquiries, and which ones are worth prioritizing first if you're starting a restoration journey.
Your FICO score is built from five weighted categories, and not all of them move the needle equally. Payment history carries the most weight at roughly 35%, which is why a single late payment can outweigh months of otherwise clean activity. Credit utilization comes in around 30% and is the fastest lever most people can pull, since paying down balances can shift your score within a single billing cycle.
Length of credit history accounts for about 15%. This is why closing your oldest account, even one you no longer use, often does more harm than good. New credit inquiries and credit mix split the remaining 20%, and both matter far less than people assume when shopping for a single loan.
If you're starting a restoration journey, the order of operations matters: address utilization first for the quickest movement, then work through inaccurate items with the bureaus, and let account age and mix improve naturally over time rather than forcing new accounts open.
SBA vs. MCA: Matching the Loan to the Timeline
When speed matters more than rate, and when it's worth the longer SBA runway.
SBA loans and merchant cash advances solve very different problems, even though both hand you capital. An SBA loan typically takes 60 to 90 days to fund but comes with lower rates and longer repayment terms, which makes it the better fit for equipment purchases, expansion, or refinancing higher cost debt.
A merchant cash advance can fund in as little as 24 to 72 hours, but the tradeoff is cost. Repayment is pulled from a percentage of daily sales, so it works best for short term, revenue generating needs like inventory ahead of a busy season rather than long term investments.
The honest way to choose is to ask what the money needs to do and how fast. If the opportunity can wait two to three months, SBA financing almost always wins on cost. If it can't wait, an MCA buys you speed at a real price.
5 Steps to Building Business Credit From Zero
The sequence that actually works: entity, EIN, vendor accounts, and beyond.
Business credit doesn't build itself, and skipping steps is the most common reason applications stall. Start with a properly registered entity, an LLC or corporation rather than a sole proprietorship, since lenders and vendors need a legal business to extend credit to in the first place.
- Get an EIN and open a dedicated business bank account
- Establish a D-U-N-S number so bureaus have a file to build on
- Open starter vendor accounts that report to business credit bureaus
- Add a business credit card and keep utilization low
- Move into larger credit lines once six to twelve months of history exist
Each step unlocks the next. Trying to jump straight to a large credit line without the earlier foundation is the most common reason new business owners get declined.
DSCR Loans Explained for First-Time Investors
How lenders calculate coverage ratio, and what counts as a "qualifying" property.
Debt Service Coverage Ratio is simply the property's monthly rental income divided by its monthly mortgage payment. A ratio of 1.0 means the rent exactly covers the loan payment. Most lenders want to see 1.0 to 1.25 or higher, which gives a cushion in case of vacancy or a rent dip.
What makes DSCR loans attractive to first-time investors is that your personal income and tax returns barely factor in. The property qualifies itself, which is why self-employed borrowers and those with complex tax situations often find this path easier than a conventional mortgage.
A "qualifying" property is simply one with a lease in place, or a market rent appraisal supporting the income assumption, and the numbers work well enough to clear the lender's minimum ratio.
The Documents Every Lender Will Ask For
A single checklist covering funding types, so you gather everything once.
Most funding delays come down to paperwork gathered piecemeal instead of upfront. Having these ready before you apply shortens the timeline across almost every product we offer.
- Government issued photo ID and Social Security number
- Two to three months of business or personal bank statements
- Most recent one to two years of tax returns
- Entity formation documents and EIN letter
- Proof of address and, for property financing, a current lease or rent roll
Not every product needs every item on this list, but gathering all of it once saves you from repeated back and forth later.
Find your funding match in under a minute.
Answer three quick questions and we'll point you toward the service most likely to fit your situation — no commitment, no credit pull.
What's your primary goal right now?
How's your personal credit standing?
How quickly do you need this resolved?
Your Best-Fit Service
Based on your answers, here's where we'd recommend starting.
Discuss This With an AdvisorStart over
What our clients say.
Real results from real clients across the country.
"Densonney Consulting helped me secure $150K in 0% APR funding when I thought I had no options. Their expertise is unmatched."
"My credit score went from 580 to 720 in just 6 months. They disputed everything properly and kept me informed throughout."
"The team made the SBA loan process feel manageable. They knew exactly what lenders wanted and how to position my business."
"Getting our SBA loan approved felt impossible until we worked with this team. They handled the paperwork and kept us informed at every stage."
"I didn't think my credit could recover after a rough patch, but within eight months my score jumped over 100 points and I finally qualified for a mortgage."
Frequently Asked Questions
We work with businesses of all sizes and stages — from startups to established companies. Whether you're a sole proprietor, LLC, or corporation, we tailor our services to your specific needs and goals.
Timeline varies by funding type. 0% APR business credit can be established in 30–90 days. SBA loans typically take 60–90 days. We'll provide a realistic timeline during your consultation based on your specific situation.
Requirements vary by product. Some options are available with scores as low as 550, while others require 680+. We assess your complete profile and recommend the best options for your situation.
We do not guarantee funding approvals. What we do guarantee is expert guidance, thorough preparation of your application, and advocacy with lenders to maximize your chances of approval.
Our fees vary based on the services you need. We offer transparent pricing with no hidden fees. During your free consultation, we'll provide a complete breakdown of costs before you commit to anything.
Ready to unlock your next chapter?
Book a free, no-obligation consultation and we'll map out the fastest realistic path to funding or a stronger credit profile — tailored to you.