Your Credit Score Isn't Your Funding Score.
Lenders evaluate 8 factors when reviewing funding applications. Most entrepreneurs only know one of them. Get a Capital Intelligence Score™ and see exactly where your profile stands — before you apply.
Free. Takes 4 minutes. No credit pull required.
Capital Intelligence Score™
LIVE PREVIEWExample result — not your score.
Banks look at more than your score.
Underwriters evaluate a full profile. Not just the number.
Credit Score
The baseline, not the ceiling.
Utilization Rate
Often the #1 silent denial factor.
Primary Tradeline Limits
Depth of available credit.
Inquiry Velocity
How many times you've applied recently.
Credit Age
Lender trust signal.
Derogatory History
Recency and severity.
Business Readiness
Entity, banking, revenue.
Banking Relationships
Who you bank with matters.
What the score reveals
Six layers of intelligence per profile.
Capital Intelligence Score™
0–1000 composite score
Funding Readiness Tier
Tier 1 → Tier 4 classification
Capital Identity
Executor · Architect · Engineer · Strategist · Builder
Estimated Funding Range
Immediate + optimized potential
Underwriting Friction Points
What's silently denying you
Recommended Strategy Path
The next move based on your profile
Credit Karma shows your credit score.
Capital Intelligence Score™ shows your funding readiness.
Two different numbers. Two completely different strategies.
What people discovered after their CIS™
"I had a 714 and kept getting pre-approval offers, then denied at closing. My CIS came back 591. High utilization and 9 inquiries in 90 days. Now I know exactly what to fix before I apply again."
"Always thought my score was fine. 738. But my CIS showed my highest card was $2,500. That's why every lender was capping me at $5K. Changed everything I was doing."
"The breakdown showed me my banking relationship was weak. I had no idea Chase actually looks at relationship history that way."
Profiles with a 700–740 credit score score an average CIS™ of 618. The difference is almost never the score — it's what's around it.
This is for you if:
- You've been denied despite having a 'good' credit score
- You're preparing to apply for 0% APR business cards
- You want to qualify for $50K–$150K+ in business funding
- You've been told to 'just improve your score' but don't know what else matters
- You're a business owner, entrepreneur, or professional preparing for a funding push
- You want to know your position BEFORE you apply — not after a denial
We're not credit repair. We're not a loan broker.
We ARE:
- — A Capital Intelligence Platform
- — A Funding Readiness Intelligence System
- — An Underwriting-Based Advisory Platform
- — A Capital Positioning Company
The difference between applying blind and applying positioned is the difference between a $5K approval and a $75K approval.
Every blind application has a cost.
Each application you submit creates an inquiry. Lenders see every inquiry. 6+ inquiries in 90 days flags your profile as credit-seeking — regardless of your score. The wrong sequence can silently close doors that take 12 months to reopen. Know your position first.