​
​
100% UNSECURED FUNDING DETAILS
Why do clients choose to use our service over applying on their own?
It's the knowledge and the bank relationships we have to make accumulative funding possible, not the actual task of completing the applications.
We know exactly what credit to apply for and specifically in what order to avoid declines and unnecessary inquiries. We know which banks use which servicing companies and their exact guidelines, guidelines they don't advertise to the public.
We have been in business since 2008. We have helped thousands of clients fulfill their borrowing needs, through our professional expertise.
When clients attempt to get high limit funding on their own, they end up with lower limits, less approval, more inquiries, and more shut down lines.
1. We have back-end information/credit requirements that are not available to the public.
2. We know which cities and states each financial institution will lend to (not all banks lend in all areas).
3. We know how many inquiries each financial institution will allow. If you have even just one more inquiry than they allow (even with an 800 credit score) you will be declined.
4. Because of the inquiry sensitivity, we know in which order each app needs to be submitted first.
5. We also know which banks run a soft credit pull (one that doesn't show on credit).
6. We know exactly what banks match your credit profile (how many open revolving accounts required, balance ratios, etc.).
Preferred Requirements
​
680+ credit scores (620 if military affiliated: direct family member or roommate)
Revolving balances below 50%
Minimum of 3 open, seasoned (24 months), primary revolving lines (authorized user accounts do not count as primary)
No more than 4 inquiries per bureau within the last 90 days
Discharged BK's must be over 5 years
No late payments or collection accounts within the past 12 months
No fraud alerts or credit freeze reporting to any one bureau
Address on each bureau must match and report as most current as address on application
Client must receive mail their physical home address (no po box or commercial or UPS store address)
​
Our Military Program can fund on scores as low as 620.
Up to $100,000 in Military Funding alone. Scores above 680 can reach as high as $250,000!
No Income Documentation Required
No Employment Verification
No Collateral Needed
This is a credit driven program only.
Self, Spouse, family member or Roommates may also qualify!
Cash Accessible lines available.
Military, DOD, Civilian Employee Affiliated
Self, Spouse, family member or Roommate who is Active, Retired, or Receiving compensation from Military or DOD will qualify you.
The one who is military affiliated will need to get membership with our military banks first, and then share the benefit with the client (further instruction will be provided).
Up to $100,000 in Military Funding alone.
All Cash Accessible lines.
Client's Role
We must have your full participation during the entire funding process.
We will need you to:
Check mail daily
Send us copies of all bank letters within 24-48 hours of receipt
Notify us of all cards received within 24-48 hours of receipt
Notify us of any missed bank calls
Complete all bank instructions received from your AM, within 24-48 hours of receipt
Pay invoices within 24 hours of receipt Time is of the essence. Any delay on your part may damage the success of the file.
​
Funding Details
​
Funding generally includes a combination of credit cards, installment loans and lines of credit. There may be multiple lines ranging between 3k-40k each. Amount of each line is also determined by your credit.
You will have multiple inquiries; each bank will pull their own credit report.
Some credit cards may be liquidated, we call these "cash-lines." Cash-lines are still credit cards, but cards that allow the client to pull up to 100% of the available credit via check or balance transfer. Not all clients will qualify for cash-lines.
Funds are secured against your personal credit, not business or corporate (unless we add business funding to your file).
Proof of Income is not required but may provide additional funding if submitted. You are encouraged to list entire household income on the application. This is a stated income program.
If you have military affiliation, you will have more funding options! You will be required to join military credit union’s we work with, and provide login access, in order to apply.
​
Funding Process
​
Pre-qualification quotes are based off our professional experience. In order to quote, we require a recent copy of a 3-bureau credit report. We accept: CreditCheckTotal.com, Experian or Equifax reports.
Once you are pre-qualified, you will receive a Submission Package (app & contract with a request for ID docs).
You will then be contacted within 24-48 hours, by email, from your assigned Account Manager (AM). Your AM will set an appt to speak with you by phone to complete a compliance call. The compliance call will help to make sure you understand all details of the process and to answer any questions. We will not submit to banks until this call is complete.
Approvals take anywhere from 1 hour to 10 days, depending on if they come back automated or go to a pending status. Pending apps will produce letters and calls that will be sent directly to you from the bank.
Once each line is approved, it is shipped and received within 2-14 business days.
Interest rates vary based on your credit and are determined by the bank once your application is submitted to them. Some cards do offer a 0% APR for 12-18 months.
If you need to liquidate funds from a credit card, we can provide tips but cannot do this for you. We also do not guarantee that any/or all cards can be liquidated.