Stop funding your business on personal credit. Build business credit your business actually owns.
Fundability is how approvable your business looks to lenders — before they ever pull credit. Our platform scores it the way lenders do, builds your business credit step by step, and matches you to funding you actually qualify for.
Free. No obligation. No impact to your personal credit to pre-qualify — many owners reach $50k+ in business credit in 6–12 months.
- 96% matchRevenue LendingUp to $150k
- 92% matchBusiness Credit Cards$50k–$120k
- 88% matchEquipment FinancingUp to $80k
You're running a business on personal credit. And it's costing you more than you think.
Banks deny roughly 80% of small business loan applications — and almost none tell you why. So you lean harder on personal cards. Your limits cap out, your personal score takes the hit, and the business stays under-capitalized.
Here's what no one shows you.
Before a lender ever pulls credit, they score your business on 125+ factors across four bureaus and agencies — D&B, Experian Commercial, Equifax Commercial, and your Secretary of State filing. Get one wrong — a residential address, the wrong entity type, a bureau error you've never seen — and you're denied. Silently. That's the trap: you keep applying blind, and they keep saying no without telling you why.
Not sure where you stand?
Find out in minutes — before the next lender does.
There's a system for getting funded. You've just never had access to it.
Fundability turns those 125+ hidden factors into one number and a clear path. You stop guessing what lenders want and start working a plan that ends in approval — with a real advisor beside you the whole way.
The path from denied to funded. Four steps.
Every step is sequenced. Every step moves your Fundability Score. And funding unlocks as you climb.
SEE where you stand.
Your Fundability Score (0–890) turns every factor lenders weigh into one number — plus a color-coded roadmap of exactly what's helping and what's hurting.
FIX what's quietly getting you denied.
The platform flags the silent killers — wrong address, wrong entity, bureau errors you've never seen — and walks you through fixing each one, across all three bureaus.
BUILD business credit your business owns.
The right vendors, in the right order, reporting to the right bureaus — until you've got real credit lines in the business's name, not yours.
GET FUNDED.
Funding Explorer matches your profile to 1,000+ funding programs in real time, so you apply where you're already a match — and never apply blind again.
And you're never doing it alone. A real business credit advisor is one call — or one in-app chat — away at every step. Meet Advising
Business funding is broken. See how we fixed it.
Funded — on your business's name, not your house.
You know your number. Your profile is clean. You've got business credit lines that never touch your personal credit — and you're matched to funding before you ever apply. That's the other side of the path.
Business owners who've walked it.
"I had a great experience with Fundability. They made the process of setting up business credit feel clear and manageable, and I appreciated how helpful and professional everyone was throughout. Kathy was especially amazing. She was knowledgeable, patient, and really took the time to answer my questions and guide me through everything. Her support made the whole experience smooth and stress-free. I'm very happy with the service and would definitely recommend Fundability to anyone looking to build their business credit the right way."
"I want to take a moment to sincerely acknowledge Miguel for the incredible impact he has had on my financial education and business positioning. Miguel has been instrumental in elevating my understanding of how Fundability's system works — not just on a surface level, but in a way that truly reshaped how I view business credit, lender perception, and long-term financial positioning. He helped me understand the importance of building a well-structured and credible business credit profile so that banks and lenders see strength, stability, and opportunity when evaluating my companies. What stood out most was his ability to communicate clearly, patiently, and with confidence. He speaks in a way that is both professional and easy to understand — breaking down complex financial systems into practical steps that I can actually implement. That clarity is invaluable. It doesn't just help today — it strengthens my businesses for the future. Because of Miguel's guidance, I am now far more financially aware and strategically positioned. He didn't just provide information — he provided education. And education at this level is a gift. I am deeply grateful for the time, patience, and professionalism he has shown me. Miguel is not only an outstanding representative of his company — he is truly a master of his craft. My greatest thanks to him."
"Fundability has been wonderful in keeping us updated and calling us every step of the way. They answer questions and make sure we are understand everything. Wonderful encounters with each call so far. Highly recommend!"
Built by the people lenders actually work with. 20+ years of business credit expertise · software and real advisors · founded by Megan Christensen.
Questions owners ask before they start.
Your story doesn't end at "denied."
Get on a call with a Fundability advisor and find out where your business actually stands — what's working, what's quietly blocking you, and the path to getting funded without putting your personal credit on the line.
30 minutes. Free. No credit pull — many owners reach $50k+ in 6–12 months.