Jan 15 • General discussion
🔐 PERSONAL FUNDING MASTER GUIDE
Pre-Approvals • Sequencing • Underwriting Logic
This guide is designed to help you confidently pre-qualify clients, structure clean data points, and sequence personal funding approvals the right way — whether you’re brand new or already funding at a high level.
BASELINE FUNDING QUALIFICATIONS
Before you run any pre-approval, the client should meet most or all of the following:
✅ Credit Profile Requirements
- Credit Score:
- 🚀Minimum 700
- 🚀Ideal 720+
- Late Payments:
- 🚨None preferred
- 🚨If present → must be 24+ months old
- Derogatories:
- ❌ No collections
- ❌ No charge-offs
- ❌ No repos
- ❌ No bankruptcies
- Inquiries:
- ***Less than 3 inquiries in the past 6 months
- Utilization:
- 🚀 Under 20% ideal
⭐ Utilization Side Note (IMPORTANT):If utilization is high but everything else is clean:
- We can pay balances down
- Add a temporary tradeline
- Use a personal loan to restructure utilization➡️ We can circle back before applying
✅ Credit Depth
- Primary Accounts:
- 🌟Minimum 5
- 🌟Ideal 7+
- 🌟Not AU-only profiles
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🔐 PERSONAL FUNDING MASTER GUIDE
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