Our business funding suite is one of the most comprehensive funding systems in the world.

Clients are guided through an online funding application that actually reveals exactly what the lender is looking for in each section. Our application and coaching team help insure your business is set up credibly so you can have the best chance to be approved for funding.

You are then pre-qualified for funding through thousands of funding institutions.
We provide access to funding programs for business owners with good or bad personal credit. Available funding also includes programs for exiting or startup businesses. And you can be approved for factoring and financing as high as 25 million dollars.

Some funding we offer includes secured and unsecure credit lines, account receivable factoring, merchant cash advances, purchase order and inventory financing, revenue financing, equipment leasing, and financing, SBA loans, 401k and securities loans, business credit cards, and more.

You have access to your own funding adviser to guide you through the approval steps for each funding program. And you will have access to an easy step-by-step process and coaching to assist you with building a business credit profile so you can qualify for even more funding.


Contact us today to get approved for funding for your business and to access your own business credit and funding suite.

Personal & Business Credit Consulting LLC


The following information outlines important details and resources.

We will need a recent Personal Credit Report - We require a 3rd party (All 3 bureau) credit report from Identityiq.com . Identity IQ provides the best credit report available for this program. 

Consumer Term Loans (Personal Funding):

  • Lowest credit score must be over 680+
  • At least one installment account over 1-year-old in the credit history (does not need to be open)
  • At least 35k annual income (Adjusted Gross) An actual pre-qualification will depend on the debt-to-income ratio and proof of income will eventually be required (W2, paystubs, tax returns, etc)
  • No OPEN BKs (will look at reports with BK if the score is 700+ and BK has been discharged for over 5 years without any negatives since BK.  We will need to know which banks were included in the BK)
  • No unpaid/open collections or liens

Credit Line Hybrid Financing:

(No Income Docs Required - Personal Credit reviewed for pre-approval for Business Credit Cards)

  • Personal Credit score on all three bureaus 680+ for you or a credit partner
  • No bankruptcy or collection accounts (within last 7 years)
  • Under 40% utilization on each revolving accounts
  • No more than 4-6 inquiries per bureau in the last 6 months- preferably less
  • No open(unpaid) collections, liens or judgments
  • Seasoned bank card trade lines 2K limit + (preferred)
    ( Must have a minimum of two (2) open revolving account with a year and a half to two years good payment history )
  • 9.9% - 11.99% success rate fee once funding is complete which can be paid with the new card
  • 0% interest for 6 to 18 months

Business Revenue/Lines of Credit:

  • At least $10,000 in current gross revenue. (last 6 months bank statements to reflect)
  • Time in Business - 1 year

  • 401K Qualifications Loans:
  • You are no longer contributing
  • No longer employed by the issuing company
  • You have a minimum of 35K in the 401k
     (If you meet these criteria, we may have some ways to access that cash without any penalties or tax events. All we need from you is your most recent 401k statement. Also tell us your main purpose for the funds.)

Stocks/ Bonds Collateral loans : Required $85,000 value

Real Estate Loans:

  •  Own home or commercial property
  • Physical building with tenant
  • Must have some equity; typically will lend up to 75-80% LTV; depending on the value of property 
    We look forward to speaking with you and helping you meet your business funding needs.

Thank you,

Ivan Divino Sr
Finance Specialist
Email: ivan@creditguy911.com
Phone: (800)-975-6056

My Websites are listed below, take a peek!!!



We provide you with an easy step-by-step system to build business credit and the full assistance of our certified business credit coaching team. Plus we provide you the only system where you can monitor your business credit reports and business credit building in real-time. Through our Business Credit and Funding Suite, we help you obtain a DUNS number and access your Experian Smart Business credit report at no cost.

We help you get approved with vendors who report to the appropriate business credit reporting agencies to build a business credit profile for your business. We then help you leverage your business credit profile to qualify for tens-of-thousands of dollars in business credit.

You can be approved for major credit cards and multiple business credit lines, all in your business name. And many sources will provide you credit with no personal credit check or personal guarantee.
We even provide you with our iron-clad $50,000 guarantee where we guarantee you will be approved for at least $50,000 in business credit using our Business Credit Builder program.

Contact us today to build a positive business credit profile for your business ethically and legally and start getting approved for business credit.