The honest answer to "how much can I get?"
Most funding tools are lead generators. Ours is an analysis. We translate your bureau profile into a realistic range, name what's holding you back, and rank the actions that move it.
What funding could you realistically access?
Indicative only — final analysis depends on your full bureau profile (DTI, derogatory marks, account age, primary revolving count). Soft pulls only; this estimate does not affect your credit score.
Three signals in. One readable answer out.
The analysis runs end-to-end in under a minute. Premium subscribers can re-run it as often as their profile changes.
We pull your full bureau profile
Score, utilization, account age, primary revolving count, derogatory marks, DTI estimate. The signals lenders actually look at.
We compare it to lender openness data
How profiles like yours have historically been priced. Score is one input — payment history depth and account structure usually matter more.
We write you a plan, not a score
A range, a stage, the top 3 actions ranked by point-impact, and a forecast for what the range becomes if you complete each one.
A real report, with sample data.
This is exactly what you'll see in the portal. Not a screenshot — the live component.
Jordan Ngu · Acme Coffee Roasters
You're a Stage 3 borrower. With your current profile, $25K–$40K in unsecured credit is realistic in the next 60 days.
You're closer to $40K than $25K if you reduce Card A utilization, settle the 2024 medical collection, and add one revolving primary tradeline.
Cash flow, business deposits, and lender relationships aren't on your bureau file. They can move the actual offer up or down. Your analysis is informational — the real number comes from the lender at application.
Four borrower stages. One trajectory.
Your stage isn't your worth. It's where you start, and where the next move comes from.