See what your personal credit profile could potentially position you to access — without a traditional application or credit pull to start.
One credit profile. Three major bureaus. Multiple potential funding paths.
Experian • Equifax • TransUnion
CreditToCapital.ai is designed for people with strong financial profiles who have a specific reason to access capital — or simply want to know what their profile may support before an opportunity appears.
Established and seeking capital for inventory, equipment, marketing, expansion, working capital, hiring, or the next stage of growth.
Looking at an acquisition, renovation, down payment, reserves, or another investment opportunity and wants additional purchasing power.
Launching, acquiring, or expanding a business with a clear plan for putting capital to work.
Has built a strong financial profile and wants to understand potential funding capacity before a business, investment, real-estate, acquisition, or similar opportunity appears.
Operating business owner who needs capital but wants to explore unsecured funding alternatives before committing to an MCA or other high-cost financing.
If the owner's personal credit does not fit, a legitimate qualified business partner with a strong credit profile may potentially provide another path, subject to program requirements.
Preparing to purchase or launch a franchise and needs lump-sum capital for franchise fees, startup costs, equipment, initial working capital, or other legitimate business expenses.
These are general preliminary indicators, reflecting program baseline requirements.
680+ FICO Required
At least one primary revolving credit card with a $5,000+ limit
Established credit history
Multiple active tradelines
Manageable credit utilization and debt
Limited recent inquiries and funding activity
Verifiable income
A minimum 680 FICO is required for this program. Strong candidates should also have at least one primary revolving credit card with a $5,000+ limit. Your complete credit and financial profile determines whether you may advance to pre-qualification. Meeting these preliminary indicators does not guarantee approval, terms, funding amount, or funding.
A transparent path designed around your credit profile and strategic goals.
Complete the 2-Minute Funding Assessment to evaluate your profile's preliminary readiness.
If your preliminary profile appears to fit, complete the CreditToCapital.ai pre-qualification.
Qualified clients who decide to move forward complete the full, secure funding application.
The funding team reviews available options across lenders and guides you through execution.
The assessment is the starting point. Pre-qualification and application follow only when appropriate.
If you've already completed the assessment or have been screened by a CreditToCapital.ai funding specialist or referral partner, you can continue below.
For applicants who have already been instructed to proceed.
Merchant Cash Advances can provide fast capital, but qualified business owners with strong personal credit may have other unsecured funding options worth exploring first.
You know your credit score. Now find out what your credit profile may be capable of.
Choose how you'd like to answer each question — tap an option, speak your answer, or type your answer below.
The Advisor guides you through the assessment one question at a time.
Take a second look before we put together your profile. Tap "Edit" on anything that doesn't look right.
Your Funding Readiness Score is a preliminary estimate based solely on the information you provided during this assessment. It is not a credit score, credit decision, approval, or offer of credit. Actual credit reports and supporting information must be evaluated before potential funding options can be determined.
Funding Readiness Score
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Your Funding Readiness Score is a preliminary estimate based solely on information you provided during this assessment. It is not a credit score, approval, credit decision, or offer of credit. Actual credit reports, income, debts and other relevant financial information must be reviewed and verified before potential funding options, eligibility, amounts, rates or terms can be determined.
No. The CreditToCapital Advisor provides only a preliminary assessment based on information supplied by the user.
The initial conversational assessment itself does not require a credit pull. A funding provider may later request authorization for a credit inquiry, and applicable disclosures will be provided before that occurs.
Some late-payment histories may require individual review based on recency, frequency, and severity.
Funding opportunities may include amounts within the advertised range, but actual eligibility and funding amounts depend on multiple factors, including credit profile, income, existing obligations, participating provider requirements, and other underwriting criteria. Rates, fees, and terms vary by provider.
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CreditToCapital.ai is the front-facing funding platform powered by Kredit Koncepts, an established financial-services company providing credit and business financial solutions.
Find out in about two minutes.
2-Minute Funding Assessment • No Credit Pull to Start