100% free
Education and tools
From credit to funding: a clear plan you can trust
Free. No credit pull. No SSN.
- A business idea or an existing business
- A few minutes for your first step
- Your best estimate of your credit range
- No Social Security number needed
English and Spanish100% free education
0 credit pulls
To use the app
English and Spanish
Bilingual support
90 day plan
Available starting path
Funding solutions for your business
Explore the funding types small businesses use most. We help you get ready and connect you with our funding partner when you ask.
Business Term Loans
Capital up front, fixed payments
Receive a lump sum for a planned business expense. Compare repayment schedules and any early-payoff conditions.
- Typical $5K to $750K
- 1 to 10 year terms
- No prepayment penalty options
Business Lines of Credit
Draw when you need it, pay on what you use
Access funds as business needs arise. Repayments may restore available credit under the agreement.
- Typical up to $250K
- Revolving
- Interest only on what you draw
SBA Loans
Government backed, longer terms
Participating lenders offer loans with an SBA guarantee. Your business still needs to qualify and repay the loan.
- Typical $100K to $5M
- Longer terms
- Strong documents needed
Equipment Financing
The equipment is the collateral
Finance business equipment rather than paying all cash up front. Ownership and collateral terms depend on the agreement.
- Typical $5K to $1M
- New or used
- Keeps cash free
More ways to fund growth
Invoice Factoring
Turn unpaid invoices into cash
- Typical $5K to $2M
R&D Tax Credit
For businesses that build or improve products or processes
- Product or process development
ADA Tax Credit
Accessibility upgrades may qualify for a federal credit
- Qualifying accessibility upgrades
Ranges are typical examples. Amounts, rates, and terms are set by lenders after review. Funding is not guaranteed. We are not a lender.
Free credit solutions
Fix and build your credit, free
Personal credit help is always free here. Pick the path that fits you.
Example only. Not a real score.
GuidedGuided help (AngelAi Credit Boost)Get guided support for understanding and improving your credit.Done with an appAI app does the work (Dispute Beast)Explore an app-assisted approach to inaccurate credit information.Free DIYDo it yourself with AIUse our free guide and power prompts to prepare your own disputes.
- 32 Power Tips
- Dispute Tracker with 30 day reminders
- 18 dispute letter prompts
- Freeze and protect checklist
We are not a credit repair company. You can dispute inaccurate information yourself for free.
How it works
Step 1
Find your starting point
Take the free Snapshot using ranges and estimates. See three next steps without creating an account.
Step 2
Follow your personal plan
Save your plan and follow your roadmap. Work on personal credit and your business at your pace.
Step 3
Prepare your next conversation
Explore funding options and organize documents. Request a free review when you want help.
You are more than a credit score
A clear next step
Build your personal credit and prepare your business at your own pace.
Your business, your plan
Use free tools and a practical roadmap to prepare for the right funding conversation.
Why start here
A plan for preparation—not a promise of approval.
| Why start here | Credifunding | A credit repair company | A bank application | On your own, without a plan |
|---|---|---|---|---|
| Cost | Free | Varies by provider | Varies by product | Depends on your tools |
| Credit pull to use | None | Ask the provider | Depends on the application | Depends on your choices |
| Personal plan | Starting-point roadmap | Varies by service | Ask the bank | Self-directed |
| Business credit steps | Included education | Ask the provider | Varies by bank | Self-directed |
| Funding preparation | Tools & checklists | Ask the provider | Product-specific | Self-directed |
| Language | English & Spanish | Varies by provider | Varies by bank | Depends on your resources |
External options vary. Confirm current terms, services, fees, credit checks, and language availability directly. Our tools are educational; lenders make their own decisions.
Your questions, answered
Start with clarity. Move forward with a plan.
In general, you will need
- Your name and email to start
- Your starting point
- Your best estimates—not sensitive identifiers
Free. No credit card. No credit pull to use the app.
How we protect your information