Credit · Capital · Wealth · Business & personal funding
Up to $500K at 0% on your credit. Or $25K–$2M on your revenue.
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Business or personal. 0% cards, lines of credit, term loans, SBA, personal loans. Most funding companies know one product. We run all of them, and we tell you which one you qualify for right now, with no hard credit pull and no guessing.
- Strong credit, new business? We stack 0% business cards and lines from the top banks, even with little or no revenue, then layer in lines of credit, term loans and SBA.
- Strong revenue? We place working capital, term loans and lines of credit off your last 4 bank statements, usually funded in 24–48 hours.
- Need it personally? Personal loans and credit cards, most loans funded in 24–48 hours. Don't check every box? We find the solution that gets you over the hump. Fix, build, fund. That's the BLE formula.
Lane 1 · Credit-based
Up to $500K0% business cards and lines stacked across lenders, plus LOCs, term loans and SBA. Qualify on your profile, not your P&L.
Lane 2 · Revenue-based
$25K–$2MWorking capital, term loans, LOCs and SBA off your deposits. 6+ months in business, $20K+/mo revenue.
Lane 3 · Personal
24–48 hrsPersonal loans and cards with lenders that approve from 650+. Most personal loans fund within 24–48 hours.
Do you qualify?
Three lanes. Check whichever box set you fit, and you're likely approved.
Lenders reward one of two things: a clean credit profile or steady deposits. You only need one, for your business or for yourself. We figure out which lender wants you and which product fits, then we go get it.
Lane 1 · Credit-based business funding
Up to $500K at 0% intro APR
Business credit cards and lines from major banks, stacked in the right order so each approval helps the next one. Then business lines of credit, term loans and SBA once the profile is built. No revenue requirement. No collateral.
- 680+ personal credit score (720+ gets the biggest limits)
- Under 30% utilization on your personal cards, or willing to pay down
- An LLC or corporation with an EIN (we'll help you set one up if not)
- Fewer than 6 recent inquiries, or let us remove them first
Lane 2 · Revenue-based business funding
$25K–$2M in 24–48 hours
Working capital, term loans, business lines of credit and SBA approved on what your business deposits, not your FICO. Four bank statements is the whole application.
- 6+ months in business
- $20,000+ average monthly revenue
- 4 most recent business bank statements
- No open bankruptcy
Lane 3 · Personal funding
Personal loans & cards, funded in 24–48 hours
No business needed. Personal loans and credit cards approved on your own profile, placed with the lenders most likely to say yes to it. Most personal loans fund within 24–48 hours of approval.
- 650+ score with select lenders (680+ for the best rates and limits)
- Verifiable income
- Under 30% utilization, or willing to pay down
- Under 650? We find the workaround, or fix and build first
Missing a box? That's what we do. Tradelines, inquiry removal, utilization strategy, alternate lenders or credit repair: we find the fix that gets you over the hump.
Why our approvals land when yours didn't
We don't "apply and hope." We make you the borrower the bank already wants.
Banks approve by checklist, whether it's a 0% card, an SBA loan or a personal loan. Most people apply blind, get declined, and burn an inquiry. We reverse-engineer the checklist first, then sequence the applications.
We audit your profile against the 10 things underwriters check
Score, utilization, inquiries, account age, name and address alignment, negative items, business setup. Every gap gets a fix and a timeline before a single application goes out.
We apply in the right order, to the right lenders, with the right answers
Which bank first, how much to ask for, what to say on the application and what to do if it pends. Stacking approvals is a sequence, not a spray.
Your file goes to a banker, not just an algorithm
Where we have business bankers, your application is submitted and followed up by a human who can push for the approval and ask for the limit increase after.
Simple process
From pre-qual to funded in three steps
Pre-qualify in 60 seconds
Four questions, no credit pull. You'll see your lane on screen and a funding coordinator reaches out within one business day.
Strategy call and roadmap
We review your report and business, hand you a written funding roadmap, and you sign a simple agreement. Then you complete your Client Demographic Sheet (business or personal) so we can apply on your behalf.
Get funded
Credit-based: approvals stack over 30–90 days as each lender reports. Revenue-based and personal loans: offers in about 24 hours, funds in your account 24–48 hours after you accept.
Why not just go to the bank?
Built for speed and stacking, not bank bureaucracy
| BLE Credit-Based | BLE Revenue-Based | Traditional bank loan | Online "instant" lender | |
|---|---|---|---|---|
| Products | 0% cards, business LOCs, term loans, SBA | Working capital, term loans, LOCs, SBA | Term loan | Merchant cash advance |
| Paperwork | Credit report + business entity | 4 bank statements | Tax returns, P&L, projections, collateral docs | Bank login + statements |
| Revenue required | None | $20K+/month | 2+ years of profit | $10K+/month |
| Interest | 0% intro APR, typically 12–18 months | Factor rate or fixed, offer-dependent | Prime + margin | Often 30–60%+ effective |
| Speed to funding | First approvals in days, full stack 30–90 days | 24–48 hours | 30–90 days, often longer | 1–3 days |
| Credit check | Soft pull to pre-qual, sequenced hard pulls | Soft pull only | Hard pull | Hard pull |
| Collateral | None | None | Usually required | None, but daily debits |
| Someone in your corner | Funding coordinator + banker relationships | Dedicated advisor | Loan officer | Chatbot |
Funded clients
Real approvals from our funding tracker
First names only. Every number below is an actual approval our team secured for a client.
Lenders our clients have been approved at: Chase · American Express · Citizens · TD Bank · Bank of America · Citi · Discover · Capital One · Navy Federal · Webster · Ameris · Kearny Bank · Apple
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Genevieve · $65K across two Chase approvals
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Kevin M. · Chase $50K + $15K, Amex
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Jacob M. · Funded client
Straight answers
Questions people ask before they apply
What kinds of funding do you actually offer?
Business: 0% intro APR business credit cards and lines (stacked up to $500K), business lines of credit, term loans, SBA loans and revenue-based working capital. Personal: personal loans and personal credit cards, with lenders that approve from 650+. On the pre-qual we figure out which of those you qualify for today and which ones open up once the profile is built.
Do you do personal funding, or only business?
Both. Personal loans and credit cards are approved on your own credit profile, no LLC required, and most personal loans we place fund within 24–48 hours of approval. Pick "Me personally" on the first question and the form adjusts.
Will this hurt my credit?
Pre-qualifying on this page is just four questions. No inquiry at all. When we move to actual applications in the credit-based lane, those are hard pulls, which is exactly why we sequence them instead of letting you spray applications. Revenue-based funding is approved on your bank statements with a soft pull only.
What does it cost?
Nothing to pre-qualify and nothing to find out what you qualify for. Our fee is a percentage of the funding you actually receive, invoiced after each approval. If you don't get funded, you don't owe a funding fee.
Do I need revenue or tax returns?
Credit-based lane: no. Banks approve 0% business lines on your personal profile and business entity, so brand-new businesses qualify every week. Revenue-based lane: four bank statements, no tax returns.
I don't meet every requirement. Can you still help?
Yes. Most of our clients didn't check every box on day one. For personal funding we have lenders that approve from 650+. If your business deposits $20K+ a month, the revenue-based lane doesn't care about your score. And if you're short somewhere, we get you over the hump: authorized-user tradelines, inquiry removal, a utilization paydown plan, a lender with lower requirements, or credit repair and building. We find the path, then we fund it.
Do I need an LLC?
For personal funding, no. For credit-based business funding, yes, an LLC or corporation with an EIN. If you don't have one we'll walk you through setting it up correctly, because how it's set up affects what you get approved for.
How fast is "fast"?
Revenue-based and personal loans: offers in about 24 hours, funds in 24–48 hours after you accept. Credit-based: the first approval usually lands within days of your first application; the full stack builds over 30–90 days as each account reports. SBA runs longer, typically 30–60 days, which is why we line it up behind the faster money.
Is 0% really 0%?
The business cards and lines we target carry a 0% introductory APR, typically 12 to 18 months, set by the lender. We also show you how to move balances so the money stays cheap and how to keep your score high after funding.
Offers update daily
Your credit or your revenue already qualifies you for one of these lanes. Business or personal, let's find out which.
Four questions. Sixty seconds. No credit impact, no obligation, and a real person on the other end.
See My Funding Options