(New Guide) Credit Score Versus Profile For Funding

John Duda

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14d • 💎 Funding Tips

A 780 credit score just got denied for $50K in business credit.

A 680 score got approved for $250K.

Same bank. Same week.

Here is what happened.

A 780 with 1 personal card, a thin file with only 3 accounts, and zero business credit history.

The 680 had 12% utilization across 14 accounts, 9 years of history, a paid auto loan, a mortgage, and 3 existing business cards with perfect payment records.

Banks do not lend based on your score.

They lend based on your profile.

Your profile tells a story. The score is just the headline.

Here is what actually matters when a bank underwrites you for business credit.

Utilization. Under 10% is ideal. Under 20% is acceptable. Anything over 30% is a red flag.

Account diversity. They want to see revolving credit, installment loans, and ideally a mortgage. A thin file with 2 credit cards tells them nothing.

Payment history depth. Not just "on time." They want to see 24+ months of consistent behavior across multiple accounts.

Inquiry velocity. Watch your inquiries.

Age of accounts. 2 years minimum. Average age of 5+ years signals stability. Closing old accounts kills your average. 9+ years is best.

This is why most people fail at getting funded.

They chase the score and ignore the profile.

I have personally built over $1.1M in business credit lines.

Went from a 520 to an 850 credit score.

Helped 2,100+ clients get funded using this exact framework.

The profile always comes first.

If you want a free breakdown of what banks actually look at before they approve you, comment "PROFILE" below.

I built a step by step guide that shows you exactly how to build a bankable profile, even if you are starting from scratch. If you want a free profile audit where we look at your profile.

Book a free strategy call here: https://skoolmbs.com/roadmap

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(New Guide) Credit Score Versus Profile For Funding