Your personal scores
Many business credit cards and loans for newer businesses check the owner's personal credit and require a personal guarantee.
Get your credit ready for business funding.
For most new and small businesses, funding starts with the owner's personal credit. Lenders and card issuers look at your report before they look at your business plan. Tailor Your Credit gets your personal file ready so you apply for funding from a position of strength.
Start My PlanWhat business lenders look at
Until a business has its own long credit history, most lenders lean on the owner. These items carry the most weight.
Credit card utilization
High balances compared to your limits lower your scores and make lenders cautious about adding more credit. Under 30% helps, and under 10% helps more.
Recent inquiries
Several applications in a short time can lower your scores and make the next lender hesitate. Order and timing matter.
Negative items
Collections, charge-offs, and late payments signal risk on any application, business or personal.
Age and mix of accounts
A longer history and a healthy mix of account types help your scores and show lenders you have managed credit over time.
How Angelo gets you funding-ready
Good credit is leverage.
Strong credit and the right financing can keep more of your cash working in the business while you pay over time. That is the conversation Angelo has with clients who already have good scores.
- 1
Review your personal file
Your free call comes with a written audit of your report: scores, every account, and every negative item.
- 2
Clean up and build
Inaccurate, outdated, and unverifiable items get challenged, and you get a plan for utilization, inquiries, and the accounts that strengthen your profile.
- 3
Apply in the right order
Strategy matters as much as the score. Angelo helps you plan which approvals to go after first so one application doesn't undercut the next.
$50K in approvals and a new car.
Christina followed Angelo's plan, starting with a Navy Federal pledge loan, then came back and secured $50K in approvals and a new car. Angelo flew to Houston to hear the story from her.
Every credit file is different, and results vary.
Common questions
For most new and small businesses, yes. Many lenders and card issuers check the owner's personal credit and require a personal guarantee until the business has its own history.
A pledge loan, also called a share-secured loan, is a loan secured by money you already have on deposit at the lender. Some credit unions offer them, and paying one on time adds positive history to your report.
It depends on your file. Several applications in a short window can lower your scores and make later lenders cautious. Angelo plans the order with you so each approval helps the next.
Yes. Plenty of clients come in with good scores and want to know how to use them. Angelo shows you how to use your credit as leverage instead of spending all your own cash.
No. No one can legally guarantee a credit outcome or an approval. You get a thorough review of your report, honest pricing, and a plan built around your goal.
Find out what your credit can do for your business.
One free call. Angelo reads your report, walks you through it, and tells you the plan and the program that fit your goal, with every price up front.
Working toward something else? Buy a Home · Get a Car Loan · Pay Off Debt