06 Credit Strategy to Capital-Ready
How we helped a motivated business owner boost their credit and unlock $25K in business funding.
The Challenge
Lisa was a passionate entrepreneur with a growing cleaning service business—but her credit profile was holding her back. She’d been denied multiple times for funding and equipment leasing due to:
- Low personal credit (high 500s)
- No established business credit profile
- Delinquent accounts and inconsistent reporting
She had the income to grow, but no access to the capital needed to scale her operations.
Our Approach
We implemented a Dual Credit Repair & Funding Strategy, designed to improve Lisa’s financial profile and make her lender-ready.
Personal Credit Resoration
We reviewed her full credit report and identified:
- 3 outdated derogatory accounts
- 2 inaccurate collections
- No active revolving credit
We submitted disputes, coached her on utilization strategies, and helped her open a secured credit card to establish positive activity.
Business Credit Buildout
Lisa had an EIN but no business credit file. We helped her:
- Register with DUNS and NAV
- Open 3 net-30 vendor accounts that report to business bureaus
- Track and monitor scores monthly
Pre-Funding Package Prep
Once her scores improved, we:
- Created a lender-friendly business plan
- Organized P&L and cash flow statements
- Matched her with a non-traditional lender who works with low-credit entrepreneurs
The Outcome in just 90 days, Lisa:
Improved her personal credit score by 72 points
Established a Paydex score over 80
Secured a $25,000 working capital loan at a competitive rate
Qualified for a $5,000 business credit card
Built a foundation to access more capital as she scales
The Takeaway
Strong credit—personal and business—isn’t just about numbers. It’s about access, confidence, and control. Whether you’re rebuilding or just starting out, we guide you step-by-step to a fundable future.
Need help rebuilding and optimizing your credit and preparing for funding?
with The Business Lady today.