Step 1 of 5
Upload your credit report
Upload your tri-merge personal credit report as a PDF. We accept reports from ScoreIQ, IdentityIQ, Experian, Equifax, TransUnion, and most other providers.
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Don't have your tri-merge report yet?

ScoreIQ gives you your credit scores from all 3 bureaus — and it's just $1 to get started. A tri-merge report gives us the most accurate analysis.

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Click to upload or drag & drop
PDF files only · Max 20 MB
Step 2 of 5
Your bank accounts
We look at whether you bank with lenders who can become future funding partners.
Step 3 of 5
Your credit cards
List your personal credit cards. We'll cross-reference with your report and check for Tier 1 bank relationships.
Step 4 of 5
Tell us about your business
Business structure affects which funding paths are available to you.
Step 5 of 5
Last step — where do we send your report?
Enter your details below and we'll run your full Funding Audit right now.
Analyzing Your Report…

This usually takes 20–40 seconds

Reading your credit report
Extracting account & inquiry data
Checking bureau consistency
Scoring your funding readiness
Building your action plan
Your Funding Audit Score
out of 100
Your Analysis — Section by Section
Business Fundability Score
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Unlock to see your Business Fundability Score
Business Structure & Formation
?/20 pts
Business Banking Relationships
?/20 pts
Business Credit Profile
?/20 pts
State Registration & Compliance
?/20 pts
EIN, Licenses & Trade References
?/20 pts
Unlock Your Full Report

See What's Holding Your
Business Credit Back

BCP Monthly members get their full Business Fundability breakdown — plus step-by-step guidance, lender recommendations, and dispute templates.

Unlock for $97/mo →
Cancel anytime. Most members see results within 60–90 days.