If you want $100Kโ$200K+ in 0% funding, your personal profile matters more than anything. You might already qualify โ and if not, this is all fixable.
Hereโs exactly what lenders look for ๐
1๏ธโฃ Total Number of Accounts
Banks want to see you can handle credit.
โ
10 total accounts = solid๐ 20+ accounts = best results
This shows experience, not risk.
2๏ธโฃ Age of Credit
Length matters.
โข 2 years minimum
โข 4 years preferred
โข 9+ years = elite
Missing this?๐ Authorized users can fix this fast.
3๏ธโฃ Inquiries
Recent inquiries = credit-seeking behavior.
๐ฏ Ideal: 0โ2 inquiries
โ ๏ธ Max: Under 3
๐ซ Preferably none in the last 6 months
Good news: We can usually wipe inquiries before funding.
4๏ธโฃ Total Revolving Credit (BIG ONE)
Banks lend based on comparable credit.
โ $2K total limits = small approvals (don't even apply lol)
โ
$15K minimum recommended๐ $40K+ preferred
โ ๏ธ Too much (90K+) can actually hurt with banks like Chase.
I also have a free mini course on building limits correctly.
5๏ธโฃ No Lates or Collections
This is non-negotiable.
๐ซ No late payments in the last 2 years
๐ซ No collections at all
If there are a couple negatives โ we can fix them.
If there are many โ repair comes first.
๐ญ So where do you sit?
โข Need credit repair?
โข Need profile optimization?
โข Already qualified for funding?
๐ Drop a comment:๐ฌ โFIXโ โ if you need credit repair
๐ฌ โFUNDโ โ if you want a FREE funding analysis (Iโll review your profile)
Reminder: ๐ Your business can make $0 and still qualify for $100K+ in funding.
Letโs get you positioned properly. ๐ณ๐ฅ