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Your business needs its own credit file.

Most owners finance their company on personal cards and personal guarantees. Fundscore's 90-day program helps you build a separate business credit profile, step by step, so future financing can stand on the company's record.

Check my readinessSee the program
Auto repair shop owner in a work shirt standing beside a vehicle with its hood open Illustrative photo. Not a client.
Sample profile, day 0 → day 90Illustrative
Tradelines reportingVendor and fleet accounts
0
Business identity completeEIN, DUNS-style ID, listings
0
On-time payment historyMonths reported
0
Personal guarantees on new accountsGoal: fewer over time
0

Example milestones only. Bureau reporting timelines vary and are outside our control. Results are not guaranteed.

Personal credit carries the whole business. That's the problem.

When every equipment lease and supplier account rides on your personal score, one slow quarter can affect your mortgage, your car loan and your family's finances.

Without a business profile

  • Personal guarantees on most accounts
  • Business spending raises personal utilization
  • Lenders see no company history
  • Hard to separate liability

With a business profile

  • Vendor accounts in the company's name
  • Payment history reported to business bureaus
  • A track record lenders can review
  • Cleaner separation of finances

Business credit readiness check.

Twelve questions lenders and vendors tend to care about. Tick what's true today and watch your readiness score update. Nothing is sent anywhere.

Foundation
Profile
Financials

The 90-day program.

A guided build with a named strategist, a shared checklist and monthly profile reviews.

1
Week 1–2

Foundation audit

We review entity, EIN, banking, address and listings, then fix inconsistencies.

2
Week 2–4

Bureau profiles

Set up and verify your company's business bureau files.

3
Week 3–10

Reporting tradelines

Open vendor and fleet accounts matched to your industry, then pay them on schedule.

4
Week 10–13

Review and next tier

Pull your profiles, review progress and map which revolving accounts may fit next.

Program tiers.

Flat fees. No percentage of any funding you receive, and no upsell to loan products.

FOUNDATION

Self-guided

For new LLCs that want the playbook and a checklist.

$497
One-time
  • Step-by-step build portal
  • Industry vendor list
  • Foundation audit worksheet
  • Email support
Start Foundation
BUILDER · MOST CHOSEN

Guided 90-day

A strategist builds the profile alongside you.

$1,490
One-time
  • Everything in Foundation
  • Named credit strategist
  • Bureau profile setup and verification
  • Bi-weekly check-in calls
  • Monthly profile review
Book a Builder call
PARTNER

Done-with-you, 6 months

For established companies planning larger financing.

$2,900
One-time
  • Everything in Builder
  • Six months of guidance
  • Lender-readiness package review
  • Bookkeeper and CPA coordination
Talk about Partner

Fees are for education and setup guidance only. Fundscore is not a lender or credit repair organization, does not remove items from credit reports, and cannot guarantee approvals, limits or scores.

From owners in the program.

I didn't know my LLC address was listed three different ways. Fixing that alone took two weeks off the process.
Portrait of Dev
Dev KapoorKapoor Landscaping, Austin
5 vendor accounts reporting by day 75
My strategist was straight with me about what wasn't realistic yet. That honesty is why I stayed for Partner.
Portrait of Lena
Lena OrtizStudio Ortiz Salon, Phoenix
Fleet card opened without a PG
For the first time the shop has its own record. I stopped putting parts orders on my personal card.
Portrait of Grant
Grant WhitakerWhitaker Auto Works, Tulsa
Personal utilization down after month 3

Sample stories for demonstration. Individual results vary and depend on your business, lenders and bureaus.

Book a free strategy call.

Thirty minutes with a credit strategist. Bring your readiness score; leave with a written plan.

  • 01

    Review your foundationEntity, banking and listings, checked live.

  • 02

    Map your first tradelinesVendor categories that fit your industry.

  • 03

    Decide togetherSelf-guided may be enough. We'll say so.

Weekdays only. Pick a date to see open times (Central Time).

Open times on (Central Time)

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Straight answers.

Business credit is full of hype. Here's what's actually true.

No. No one can honestly guarantee approvals, limits or scores. We help you build the profile lenders and vendors look at; their decisions are their own.

No. We don't dispute or remove anything from personal or business credit reports. The program is education and setup guidance for building new, accurate business credit history.

Often, at first. Many early vendor and revolving accounts still require one. The aim is to reduce reliance on personal guarantees over time as the business builds its own history.

Foundation work takes a few weeks. Tradelines typically report monthly, so a meaningful profile usually takes 3–6 months of on-time payments, sometimes longer.

No. Our only revenue is the flat program fee, so we have no reason to push you toward any lender or product.

Builder and Partner clients can cancel within 14 days for a full refund, minus any third-party fees already paid on your behalf.

Give your company a record of its own.

Start with the free readiness check, then talk it through with a strategist. No pressure, no loan pitches.

Book a strategy callTake the readiness check