Get Your Business Funded the Right Way

Before you pay anything, you'll get a transparent, written fee agreement that spells out exactly what you'll pay and when.

Our fee has two parts: a retainer when you sign on, and a commission based on the amount you actually get funded. The retainer isn't an extra charge on top. It's credited toward the commission, so you never pay twice. The retainer is non-refundable, and no one can guarantee an approval. That's why we go over your numbers on the free consultation first, so you can decide whether it makes sense before you commit.

Your funding analysis starts from your existing credit report, so getting your analysis doesn't require a new hard inquiry.

When you apply, lenders and card issuers usually run a hard inquiry, which can lower your score for a while. 0% credit stacking involves several applications over a few months, so we'll go over the likely impact with you before anything is submitted. Then we time and space every application on purpose. Keeping balances low and paying on time are the biggest factors in how quickly your score recovers.

It depends on the product, and no timeline is guaranteed. Working capital can fund as fast as 1 business day after approval. Lines of credit and term loans often take days to a few weeks. 0% credit stacking is a planned, phased process that usually runs over several months. SBA and real estate loans take the longest because of underwriting and documentation.

On your consultation, we'll give you a realistic timeline for your situation.

Possibly. It depends on the details, and we'll be straight with you. 0% credit stacking requires a 680+ personal credit score. Below that, other products may still fit depending on your revenue and time in business. For example, some term loan programs start around 500+ credit for businesses with at least a year of history. If nothing fits yet, we'll show you what to work on first.

One firm rule: if you're in an active bankruptcy, or your bankruptcy was discharged within the last 12 months, we can't take you on as a funding client yet. Once you're past 12 months from discharge, come back and we'll take a fresh look. Collections and late payments depend on the specifics, so we'd need to see your report.

Keep that relationship. It's valuable. But a banker can only offer their own bank's products, and big banks often turn down newer businesses and lower scores. We look across a much wider range of lenders and product types, including your bank's.

If your bank has the best option for you, we'll tell you. If there's a better fit somewhere else, you'll want to know about it.

We're sorry that happened. It's more common than it should be. Here's what you can count on with us:

• Fees in writing. Every number is in your agreement before you pay anything.
• A transparent process. You'll see your blueprint: which lenders, in what order, and why.
• No false promises. We won't guarantee approvals, amounts, rates or timelines, because nobody honestly can.

Often, yes, mainly through 0% business credit stacking. Startups can be eligible with 680+ personal credit and a clean recent payment history, and business revenue isn't required. Most loans and lines of credit look for at least a year in business, and SBA loans usually want two or more. Your blueprint can include a plan to reach those next steps.

No. 0% rates are introductory, usually 12 to 18 months depending on the card. After that, the card's regular APR applies. Your plan includes a payoff or transition strategy that starts well before each intro period ends, so nothing catches you off guard.

No. Respected Builders is a funding consulting firm. We analyze your profile, build your blueprint and guide your applications. Lenders make every credit decision and set their own terms.