What Funding Readiness Means
Funding readiness means your personal credit, business profile, and application timing align with underwriting standards before you apply. It's how you avoid hard-inquiry damage, prevent denial cycles, and position for higher limits.
Start With Prequalification
Before applying anywhere, run a 30-second prequalification so you know what's realistic now and what needs to be fixed first.
The Main Approval Pillars
Readiness is built on five pillars: personal credit position, utilization control, primary tradeline depth, identity/reporting accuracy, and business credibility/compliance. Weakness in any one pillar can reduce approvals.
Next Step
If you want the fastest path to approvals, don't guess. Start with your prequalification and follow the path assigned.
Start Your 30-Second Funding Check →Frequently Asked Questions
Is funding readiness only for business funding?+
No. It applies to personal funding and business funding because personal credit is commonly reviewed in both.
Why not just apply and see what happens?+
Random applications create hard inquiries, lower approval odds, and can reduce future limits. Readiness protects your profile.
What happens after prequalification?+
If prequalified, you continue to the full application flow. If not, you start the repair/positioning path.