Premium Credit Partners Built for Funding Success
Our process for securing a qualified credit partner is designed to ensure precision, compliance, and the highest possible approval outcomes. We begin by recruiting individuals who meet strict lending standards, then perform a full credit and background evaluation to verify their eligibility. Once approved, each credit partner is matched with a corporation that aligns with their profile and the funding strategy, ensuring seamless integration into the underwriting process.
Every credit partner must meet rigorous criteria to maintain program integrity: a 750+ credit score across all three bureaus, U.S. citizenship, and a minimum five-year credit history. They must hold at least three revolving accounts with $5,000+ limits (no authorized users), maintain low utilization, and show a spotless payment record with no late payments, bankruptcies, liens, collections, public records, or lawsuits. Additionally, they must have no more than two new accounts in the past 12 months, no more than six inquiries in the last six months, and possess professional experience to strengthen the overall lending profile.
How It Works
01 Recruit Qualified Credit Partners
We source applicants who meet strict lending standards, ensuring only individuals with strong, reliable credit profiles enter the program.
02 Comprehensive Credit & Background Vetting
Each applicant undergoes a full review including all three bureaus, utilization metrics, payment history, inquiries, public records, and identity verification to confirm full eligibility.
03 Match With the Right Corporation
Once vetted, the credit partner is paired with a corporation whose structure, age, and compliance profile align with underwriting requirements and funding goals.
04 Integrate Into the Funding Strategy
After matching, the credit partner is added as officer/guarantor where required. This positions the corporation to present a high-strength credit profile for unsecured funding programs.
Program Highlights
- Fully Vetted High-Credit Partners
- Stronger Underwriting & Higher Approvals
- Seamless Matching With Your Corporation
- Credit Profiles Built to Meet Lender Standards
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1. What is the role of a credit partner in the funding process?
A credit partner provides the strong personal credit profile needed to meet lender requirements and unlock higher unsecured funding amounts. Their credit strength is combined with your corporation to create a qualified lending profile.
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2. How are credit partners vetted before being approved?
Every credit partner undergoes a full review of all three credit bureaus, utilization levels, payment history, inquiries, public records, identity verification, and overall credit depth. Only applicants who meet strict underwriting standards are accepted.
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3. What are the minimum requirements to qualify as a credit partner?
A credit partner must have a 750+ score on all three bureaus, U.S. citizenship, at least three revolving accounts with $5,000+ limits, low utilization, and a minimum five-year credit history. They must have no late payments, bankruptcies, liens, collections, lawsuits, or derogatory records of any kind.
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4. How long does the credit partner process take?
The full cycle of sourcing, recruiting, vetting, and matching a qualified personal guarantor typically ranges from 30 to 160 days, depending on credit partner availability, credit complexity, and alignment with your corporation’s funding strategy.
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5. Does becoming a credit partner involve personal financial risk?
Credit partners serve as guarantors, which means their credit is used for the application. While the corporation is responsible for repayment, guarantors should understand that lenders evaluate their creditworthiness as part of the underwriting process.
