Answers before you ask.

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.

Yes. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. We operate fully within these federal protections — we dispute what's inaccurate, we don't remove accurate negative history.

A soft inquiry (used for pre-qualification) doesn't affect your score. A hard inquiry happens when you formally apply and can cause a small, temporary dip. We use soft-pull pre-qualification wherever possible so you can explore options before committing to a hard pull.

Yes. Startups typically lean on personal credit-based funding (like 0% APR business credit) or SBA microloans rather than revenue-based products like MCAs. We'll assess your situation and point you toward what you actually qualify for today, plus a plan to unlock more later.

Absolutely — the FCRA dispute process is free and open to any consumer directly with the bureaus. Clients typically come to us for the strategy, documentation, and follow-through across multiple bureaus and creditors, which is where most self-filed disputes stall out.

Terms vary by service — we'll walk through exactly what applies during your free consultation before you commit to anything, in plain language, with no surprise fees.