FAQ

After signing up and confirming your membership, we create an account for you with a unique username and password. You can then access our platform to start creating a bankable business.

Results can appear in days or weeks with focused effort. Ideally, you should start seeing reporting trade lines of credit within the first month and strong business credit scores within three months.

Business credit scores are dynamic, similar to personal credit scores. Consistent management and improvement are necessary.

Business credit is separate from personal credit. Anyone can build a business credit profile regardless of personal credit score. With that being said, lenders are concerned with Owners Credibility. The personal credit profile is the Foundation of the Wealth Structure

Refer to our virtual coaches or trusted vendors for guidance. If needed, open a help desk ticket for further assistance, and of course you can seek out help in community.

Yes. As your business credit profile strengthens, the likelihood of receiving larger capital amounts from lenders increases.

Yes, each company can have its own credit score. Our platform is designed for one business at a time, but we can discuss managing multiple accounts.

Yes, we assist with the initial step of business setup as part of the compliance process.

Our system shows the number of reporting business credit tradelines your business has and provides links to access full credit reports and scores.

Completing all steps is crucial, especially without funding prequalification's. Skipping steps can lead to funding rejections.

If prequalified, you can apply directly. Without prequalification's, complete all steps to become lender compliant

If prequalified, complete the applications to receive offers from our extensive lender network.

No, your application is only submitted to lenders most likely to make an offer

Yes, a dedicated advisor will assist you in obtaining the necessary capital

Bossmaker is SOC 2 Type 2 and GDPR compliant and we use end to end encryption security protocols to protect your data

Soft pulls are used initially. Hard pulls occur only at the funding stage

No upfront costs if you have prequalification's. We charge a 10% success fee only upon successful funding.

UBF, or Unsecured Business Funding, is credit available to startups and owners with good personal credit. This program offers substantial funding without the need for collateral.

These cards report to business credit agencies, not on your personal credit profile, aiding in building your business credit.

Yes, multiple owners or principals can apply, potentially increasing the available cash flow for the business

Approval limits typically range from $25,000 to $200,000 per owner or principal.

Business Term Loans can range from $50,000 to $500,000 in aggregate totals, with low interest rates and generous payback terms.

No, there are no restrictions on the usage of funds from these loans

No, during the proposal process, only soft inquiries are made.

Personal credit scores of the business owners need to be at least 680 for final approval.

Launch or expand your business using retirement funds without incurring debt or tax penalties. This program can also be used in combination with an SBA loan

These are working capital loans ranging from $5,000 to $35,000, funded quickly and based solely on credit scores

If you retained employees during the COVID shutdowns, your business might be eligible for a significant tax refund, up to $26k per employee.

Equipment lease financing conserves cash flow, offers fast approval (typically 1-2 business days), requires low down payment (only 1 or 2 payments upfront), and leases under $150k usually don't require financial statements. The lease payments are often 100% tax-deductible.

Funding is based on your monthly merchant account receipts. Approval is quick (within 24 hours), and you can access funds in 3 to 4 days. There are no restrictions on cash use, no closing costs, and no fixed payment schedule. Good credit is not required.

It allows you to grow without increased bank debt or selling equity. It minimizes working capital outlay and is based on your customer's credit, not yours. This financing can cover up to 100% of Purchase Orders as large as $25 million.

Yes, if you hold a note or mortgage on real estate and receive payments, you can sell that note for a lump sum.

This service provides an immediate cash advance when you invoice your customer. Approval is based on your customer's credit, not yours, freeing up working capital and outsourcing receivable collections.

These lines of credit report positively to your business credit profile, have low interest rates, generous payback terms, and no restrictions on cash usage. They are not credit score driven and focus more on the business itself, with no prepayment penalties or balloon payments.

Yes, if you’re receiving payments from a settlement, lottery winnings, or a contract, you can receive a lump sum payment for that stream now.

We offer nationwide coverage with approvals in as little as 24 hours. It's ideal for newer businesses and doesn’t require financials, P&L's, or balance sheets. The program increases your marketing presence while preserving cash for other needs.

The program is not limited to specific-use commercial vehicles and is available to new businesses with a minimum 640 FICO score. The lease payments are often 100% tax-deductible, and the program minimizes obsolescence risks.

It offers quick application and approval for revolving lines with a cash-out option. Funding is typically between $25,000 and $200,000 per principal or owner. Applicants need a FICO-8 score of 700 or above with all three credit bureaus, and their debt-to-credit limit should be under 50%.

This program allows you to launch or expand your business using retirement funds without incurring debt or tax penalties. You can use 100% of your retirement funds or a portion as a down payment on an SBA loan.

These are working capital loans typically funded quickly, ranging from $5,000 to $35,000. They are credit score driven and relatively easy to obtain compared to traditional bank business loans.

If you retained employees through COVID shutdowns, your business could be eligible for a tax refund of up to $26k per employee. To qualify, you must have had W-2 employees in 2020 or 2021.

Get immediate cash by leveraging your Business Equipment while it stays on your property for use. You can write off 100% of the monthly payments, with no restrictions on how the money is used.

No, there are no upfront fees.

It varies. We offer three different products: revolving lines of credit and terms loans. Not all clients will be eligible for both products.

Revolving lines of credit:

- 0% interest for 9-15 months.

- Estimated APR after intro period is 9.99% - 25.99%* OAC

- This product is dispersed between on average 4 - 6 credit cards.

Unsecured Term Loan(s):

- Term Loans: Interest rates range from 6% - 21% on approved credit.

- 3, 5, or 7 year terms

- No Prepayment penalties

- Estimated monthly payment is 2% of loan amount

Yes. We look for three things to help them qualify for a working capital loan or line of credit.

- Monthly business revenue over 10k (deposits have to be into a biz bank account)

- Credit score above 580

- LLC is in good standing with the state

Yes since we are dealing with unsecured financing, there is a higher risk to the lender. The lenders do require a personal guarantee. But this is much better than tying your home or car to a loan. With a secured loan you risk losing the asset your loan is tied to. We work with over 350 banks and lenders who all personally guarantee the loan. Even if a loan is in a business's name, it will still be personally guaranteed. This won't show up on their personal credit report unless they default.

No, we only offer unsecured loans and unsecured lines of credit.

No

Just based on a client's personal credit, we can secure a certain amount of funding in just revolving lines of credit.

We can do a non-verifiable income loan, but it's difficult because often a client has already maxed out or has above 45% credit utilization on their cards. They need to pay these cards down in order to receive revolving lines of credit. Because many clients can't pay down their cards, we ask for their income.

This depends on the individual on a case by case basis. Some clients face more challenges than others so the amount of time can vary. With that being said, The worst client profiles cant last 6 months in our system. So we like to underpromise and over deliver and set the expectation of 6 months, however, the business profile should and will be optimized simultaneously. The license for the business software is for 1 full year. Every client will have access to the business success system for 1 full year. So you are covered for 1 full year for inquiry removal, personal credit optimization, business coaching and zero out of pocket financing.

There hasn't nor will it ever be an account that we can't get removed.

Our service fees are custom to the needs of the individual business owner. For instance, someone can take the pre qualification scan and have pre qualifications and we will get them funded with no money out of pocket.

Yes, we have a plethora of free ebooks and video trainings available on our resources page located Here

Actually we do. We guarantee that if our expert advice is followed and implemented without deviation, then you will undoubtedly be successful. Our methodology is actually a science that can be replicated with duplicatable results.

Our guarantee is for 6 months. If you haven't had a significant increase in your credit worthiness as a result of our services and training then we will refund your purchase. We have never had to issue a refund. Ever