During the funding process, it is often helpful for an owner to understand their current credit standing—especially when lenders review personal credit as part of business underwriting. When appropriate, I may recommend obtaining a soft-pull credit report that does not affect your score. This report provides a clear view of the credit profile along with all three bureau credit scores in a format accepted by our lending partners. Having this clarity upfront helps us move more efficiently and present a clean, complete file to lenders.

In some situations—typically when a lender declines an application due to specific credit challenges—a deeper credit-building conversation may become useful. When that occurs, and only when it directly supports the owner’s longer-term financial goals, I may make a private referral to a reputable credit-improvement service. This is never required and is not displayed publicly on the site. It is offered only when it meaningfully supports a path toward funding.

All credit-related tools are optional and purely advisory. They are recommended solely when they provide clarity or strengthen your funding position.