FREE 60-SECOND ASSESSMENT

What's Your Real Funding Readiness?

Your credit score is just one piece. This qualifier looks at the whole picture — credit, business age, revenue, structure, and banking — and gives you a straight answer: Ready Now, Ready in 90 Days, or Build First.

Start the Assessment Back to Funding

✓ No SSN  |  ✓ No credit pull  |  ✓ No guarantees — just an honest read

FUNDING READINESS ASSESSMENT

Answer 10 Quick Questions

FICO alone doesn't get you funded. We score the whole picture. Tap your answers — no typing.

Question 1 of 10 10%

1. Where's your personal credit score?

Use your real FICO (not Credit Karma's VantageScore — those run different). Ballpark is fine.

2. How long has the business been operating?

Time in business is one of the first things a lender checks.

3. About how much revenue runs through the business monthly?

Revenue can open doors even when the score isn't there yet.

4. Which of these do you already have set up?

Tap all that apply. Each missing piece can stop an application before credit even matters.

LLC or Corporation
EIN
Business bank account
Business phone number
Business email
Website

5. Do you have a business credit profile started?

Think D&B (Dun & Bradstreet) or Experian Business. No worries if not — it's optional for many bank and credit union applications.

6. What kind of industry is the business in?

Some industries are harder to fund regardless of credit — just means fewer lenders, not impossible.

*Cannabis/CBD, crypto, adult, firearms, gambling, trucking startup, travel, MLM, debt collection, used-auto, cash-intensive.

7. How much funding are you after?

Rough range is fine — it helps shape the right path.

8. How much of your available credit are you using?

Amounts owed, including utilization, is about 30% of a FICO score.

9. Any collections, charge-offs, or missed payments in the last 12 months?

Recent derogatories are the most common reason a strong-looking file gets denied.

10. How soon do you need the funding?

Last one — then you get your read.

What you may qualify for now

    What's blocking you

      Your next moves — in order

         Free Call with Jordan at YBE Credit Consulting

        This is an honest estimate based on what you told us — not a credit decision, approval, or guarantee. Jordan checks the full picture on the call. Ready in 90 Days is a planning label, not a promised timeline.

        Tap an answer to continue
        PERSONAL FICO TIER MATRIX

        Where Your Score Sits — and Why It's Not the Whole Story

        Your FICO is the gate lenders check first. But it's only one input. Business age, revenue, structure, banking, and industry all move the needle.

        FICO RangeTierGeneral Read (not a decision)
        580–619Sub-Prime🔴 Build First. Foundation + repair before applying.
        620–649Near-Prime🟡 Ready in 90 Days. Starter products today, push to 680.
        650–679Fair–Good🟡 Ready in 90 Days. Striking distance — close the gaps.
        680–719Good🟢 Ready Now — if foundation + revenue check out.
        720–739Very Good🟢 Ready Now. Strong multiple-lender position.
        740–850Excellent🟢 Ready Now. Usually the best rates and the widest lender choice.
         FICO alone does not determine funding approval. The tiers are planning labels, not promised timelines. A high score with no LLC, no revenue, or no business bank account still gets denied. A mid score with a seasoned business, real revenue, and a banking relationship often has better odds.
        BUSINESS FOUNDATION CHECKLIST

        The Setup Lenders Look For

        Each item is a potential blocker. Fixing these can remove common structural reasons for denial.

        LLC or Corporation — sole prop is weakest; push toward LLC
        EIN — required for business credit
        Business bank account — lenders pull statements
        Business phone number — dedicated line, not your cell
        Business email — domain email beats a free Gmail
        Website — credibility + lender verification
        Business address — consistent across IRS, USPS, SoS
        D&B profile — optional for many bank and credit union applications
        Experian Business profile
        Secretary of State match — name/address match exactly
        NAICS code checked — flag high-risk industries early
        IF YOU'RE CLOSE TO 680

        The 90-Day Readiness Push

        If you are in the 620–679 range, these are the moves that usually matter most. Results vary by file. Here's the playbook.

         Days 1–7 — Pull and Audit Everything

        1. Pull all 3 reports at AnnualCreditReport.com (Equifax, Experian, TransUnion)
        2. List every negative item: date, amount, who reported it
        3. Dispute any errors — wrong dates, wrong balances, accounts that aren't yours

         Days 8–30 — Crush Utilization

        1. Get every credit card below 30% utilization (under 10% is even better)
        2. If you can't pay down — ask for a credit limit increase on cards in good standing
        3. Pay multiple times per month so utilization stays low when bureaus check

         Amounts owed, which includes utilization, is about 30% of a FICO score. It is often the quickest thing you control.

         Days 30–60 — Fix the History

        1. Goodwill letters for any 1–2 late payments on accounts in good standing
        2. Address collections — get any agreement in writing before you pay
        3. Thin file? Ask a family member with a long, clean card history to add you as an authorized user

         Days 60–90 — Don't Mess It Up

        1. No new credit applications until you're at the funding stage
        2. Don't close old cards — they keep your average age high
        3. Re-pull your score at day 75. Adjust if any one card crept back up
         Plan It With Jordan at YBE Credit Consulting

        Booking is with Jordan Smith at YBE Credit Consulting, Keith Smith's family credit consulting business. The call is free. YBE also offers paid services, and you never have to buy anything to get the call.

        YBE Credit Consulting is an education and consulting service, not a lender or bank. We don't process SSNs or credit reports in this tool, and nothing here is a guarantee of funding or approval.