Prepare your business for funding
Lenders look at more than a score. CredFixAI™ scores your business readiness across seven categories and sequences the work so you approach capital prepared.
Preparation software. We do not lend, broker or guarantee funding approval.
Seven categories decide whether you get funded
CredFixAI™ scores each one, weights it, and tells you in plain English what's holding you back.
Personal Credit
The first thing a small-business lender pulls. Score, accuracy, and dispute progress all count.
Business Credit
A credit file in the business's name: D-U-N-S, reporting vendor accounts, and business cards.
Business Foundation
Registered entity, EIN, business bank account, address, phone, and website — all verified by lenders.
Documentation
Tax returns, bank statements, financials, and a written use of funds, assembled before you apply.
Cash Flow
Revenue consistency and months of business banking history — what revenue-based lenders underwrite.
Debt Management
Revolving utilization and whether every payment is current. The fastest levers you control.
Funding Preparation
A specific target amount, a documented use of funds, and a date to work backwards from.
Personal credit gets you in the door. Business credit gets you funded.
Most owners guarantee everything personally because the business has no credit identity of its own. CredFixAI™ walks you through building one, in order, without guesswork.
Separate the entity
Register the LLC or corporation and get an EIN so the business exists independently of your personal file.
Become identifiable
Business bank account, verifiable address, listed phone, website, and a D-U-N-S number so bureaus can build a file.
Build reporting history
Open net-30 vendor accounts that actually report, then add business credit cards as the file matures.
Package the paperwork
Tax returns, bank statements, P&L, balance sheet and a written use of funds — assembled before you ever apply.
What a prepared year looks like
A realistic sequence, not a promise. Timelines depend on your starting point — bureaus have 30 days to investigate, and business credit files take time to build.
Clarity
- Analyze your credit report
- Dispute inaccurate items
- Record your business profile
- See your first readiness score
Foundation
- Bureau investigations conclude
- Reduce revolving utilization
- Open business bank account and listings
- Request a D-U-N-S number
Momentum
- Vendor accounts begin reporting
- Score trend logged month over month
- Documentation package assembled
- Funding target and use of funds set
Readiness
- Business credit file established
- Every category reviewed and current
- Applications made from a prepared position
Why trust CredFixAI™
Transparency about how the score works, how AI is used, and what we will never claim.
How your score is calculated
Seven weighted categories, published point values, and a breakdown of every input. Nothing is a black box.
You approve every action
AI drafts and recommends. You review, edit and decide. Nothing is sent or filed on your behalf without you.
Privacy by default
No SSN, no bank logins. Your information is encrypted and visible only to you unless you grant access.
Honest about limits
We never promise funding approval or a specific score change, because no software can honestly promise either.
Find out how funding-ready your business is
Start with the free assessment, then decide whether the Business plan is worth it.
Free to start. No credit card. Preparation software — not a lender, broker or credit repair organization.