The Fundability® Process

    The path from "stuck" to "funded." One climb. Five stages.

    Every stage moves your Fundability Score™ up the gauge — from the red band where applications die, to the summit where lenders compete for your business.

    Book a Strategy Call

    30 minutes. Free. No pressure.

    The whole process on one page.

    Most owners try to figure out business credit and funding one piece at a time. Fundability® sequences everything in the right order.

    Stage 1 · Foundation band · 0–400
    Fundability Score™
    200
    out of 890

    Get your business set up the way lenders want.

    Lenders run an instant check on your business before they ever look at credit. If your address is residential, your entity is a sole prop, or your phone is a personal cell, you get denied and never know why.

    What you do
    • Enter your business info (we walk you through it).
    • The system flags anything wrong, missing, or risky.
    • Use Resource Market to fix what needs fixing.
    • Move to Stage 2 when your foundation is green.
    When Stage 1 is done, you have
    • A business setup lenders take seriously
    • Every silent killer fixed
    • A foundation that supports every other piece
    Fundability Foundation — your Fundability Score broken down by foundation factors: business address, entity, foreign filing, ownership, EIN, business phone, website and email, licenses, merchant account, and industry.
    Stage 2 · Verify band · 300–500
    Fundability Score™
    350
    out of 890

    Clean up the data lenders are already looking at.

    The three business credit bureaus have a file on your business whether you know it or not. If the data is wrong, you get denied for an error you didn't create.

    What you do
    • See your full profile across D&B, Experian, and Equifax.
    • Flag inaccurate items.
    • Dispute them through the system.
    • Set up monitoring so you see new errors first.
    When Stage 2 is done, you have
    • Clean reports at all three bureaus
    • Inaccurate items disputed and corrected
    • Active monitoring so problems get caught early
    Bureau
    D&B
    Score
    Paydex 68
    • Business name
    • Address on file
      Old address
    • DUNS number
    Bureau
    Experian Commercial
    Score
    IntelliScore 74
    • Business name
    • Reporting accounts (4)
    • Collection on file
      Not yours
    Bureau
    Equifax Commercial
    Score
    Credit rating: Fair
    • Business name
      LLC vs L.L.C.
    • Address on file
    • Reporting accounts (3)
    Stage 3 · Build band · 400–600
    Fundability Score™
    500
    out of 890

    Build business credit in the right order, with the right vendors.

    You can't build business credit by Googling 'starter vendors' and applying. The vendors have to match your profile. They have to report to the bureaus. They have to be in the right order.

    What you do
    • Work through the 7-step sequence and 4 tiers.
    • Use Trade Vendor Match to find vendors you qualify for.
    • Filter by bureau and PG requirements.
    • Watch reporting accounts hit your file.
    When Stage 3 is done, you have
    • 12+ reporting accounts on your profile
    • Balanced reporting at all 3 bureaus
    • A real business credit profile
    • Funding programs unlocked that didn't exist before
    Business Credit Builder — your Fundability Score with business credit tradelines reporting across Equifax, Experian, and Dun & Bradstreet.
    Stage 4 · Match band · 600–750
    Fundability Score™
    650
    out of 890

    See every funding type you qualify for right now.

    Most owners know 3 funding types: a loan, a credit card, a line of credit. There are 12+. Funding Explorer matches your profile against every one, in real time.

    What you do
    • See whether you match each funding type.
    • See the exact criteria for each one.
    • See what's blocking the ones you don't match.
    • One click to fix what's blocking you.
    When Stage 4 is done, you have
    • A clear menu of every funding type you qualify for
    • A precise list of what's blocking the ones you don't
    • A direct path to apply once you match
    Funding Explorer — business funding types matched to your profile: trade vendor credit, credit line hybrid, business revenue funding, term loans, and more.
    Stage 5 · Summit · 750–890
    Fundability Score™
    780
    out of 890

    Apply where you match. Track everything. Stay funded.

    You don't just get funded once. As your business grows, you build more credit, apply for more programs, and need a system to track all of it.

    What you do
    • Track every business credit account.
    • Add existing accounts so your full picture stays accurate.
    • Revisit denials when your Score climbs.
    • Call or chat with an advisor any time you're stuck.
    When Stage 5 is done, you have
    • Every account tracked in one view
    • Total approved funding visible at a glance
    • A system that scales as your business grows
    • Real advisors a click away
    Funding Manager
    Total Approved
    $127,500
    • Chase Ink BusinessExperian$25,000Approved
    • Amex Business PlusD&B$40,000Approved
    • Capital One SparkEquifax$50,000Pending
    The Summit

    One score tracks the whole climb.

    Every action you take in Fundability® moves your Fundability Score™. As the score climbs, more funding programs unlock.

    Fundability Score™
    200
    out of 890
    Stage 1 · Foundation
    Fundability Score™
    350
    out of 890
    Stage 2 · Verify
    Fundability Score™
    500
    out of 890
    Stage 3 · Build
    Fundability Score™
    650
    out of 890
    Stage 4 · Match
    Fundability Score™
    780
    out of 890
    Stage 5 · Fund

    You're not climbing alone.

    Every Fundability® customer has access to our business credit and funding advisors. Phone or in-app chat. Real people who've worked with thousands of business profiles.

    You'll talk to advisors when
    You're getting started and want a human walk-through.
    You hit a step that needs interpretation for your situation.
    You're about to apply for a major funding amount.
    You're stuck.
    app.fundability.com/advisor
    Riley — Funding Advisor
    Online now · real person
    Phone In-App Chat
    My Experian file just got flagged as thin — all 3 of my starter accounts report to D&B only. Did I mess up the order?
    You · 2:14 PM
    You didn't mess anything up — that's normal at 3 accounts. Add Grainger next: it reports to D&B and Experian, so it fills the thin file. Order small, pay early, and you're set for Tier 2.
    Riley · 2:16 PM
    That's a relief. Adding it now.
    You · 2:17 PM
    Message your advisor…
    The software

    Software shows you what to do.

    The people

    Our advisors help you actually do it.

    The realistic timeline.

    Some things move fast. Some things take time. You'll see progress every week. The compounding happens over months.

    1. 1
      Day 1
      Foundation audit complete
    2. 2
      Week 1
      First Tier 1 vendor accounts applied
    3. 3
      Month 1
      First accounts report to bureaus
    4. 4
      Month 3
      6+ reporting accounts, Score climbing
    5. 5
      Month 6
      12+ reporting accounts, expanded funding
    6. 6
      Ongoing
      New funding unlocks as Score grows

    Questions owners ask about the process.

    See where your business stands today.

    The fastest way to know which stage you're actually in is to talk to a Fundability® advisor. We'll walk through your business, point out what's working, flag what isn't, and show you the path forward.

    Book a Strategy Call

    30 minutes. Free. No pressure.