Who's Running Your
Funding Department?
Your Business Has a Sales Department.
Your Business Has a Marketing Department.
Let CredFin be your Business Funding Department. Experienced credit and finance professionals, supported by AI-powered technology, work alongside you to strengthen your business credit, plan your cash flow and prepare for capital opportunities.
Free 30-min Strategy Session · No cost, no obligation · Banks Deny. We Defy.™
"The funding system has always favored the prepared. CredFin gives every entrepreneur that preparation."
Most Business Owners Are Playing a Game
Without Knowing the Rules
Lenders don't just look at revenue and time in business. They evaluate your entire business credit profile across three commercial bureaus — and most business owners have never seen what that profile says about them.
- You've been declined without a clear explanation
- You're using personal credit to fund a business — risking everything you own
- You don't know what Dun & Bradstreet, Equifax Business, or Experian Business says about your company
- You've heard "come back in a few months" with no guidance on what to actually fix
- You're submitting applications to multiple lenders, with every inquiry adding up
- You need capital to grow, hire, or survive — and the window keeps closing
Lenders Decide Before
You Ever Walk In
Before a human ever reviews your application, an automated system often evaluates your business credit profile across three bureaus. If that profile has errors, gaps, or misaligned data, you can be declined before the conversation begins.
That's not a reflection of your business. It's a reflection of your profile. And profiles can be improved.
Most businesses have no one responsible for it. That's the job of a funding department, and it's exactly what CredFin was built to be.
Banks Deny. We Defy.™Your Business Funding Department.
Powered by AI.
Lenders make the decision. Brokers find the lender. No one gets the business ready. CredFin brings credit, finance and technology together to do exactly that, working alongside you at every step.
Your business credit profile across the three business bureaus.
Your cash flow, financial records and repayment planning.
AI-powered technology supporting the work, guided by experienced professionals.
= CredFin. Where Credit and Finance Merge.
Assess
Understand your business credit, financial position and potential funding paths.
Develop
Follow structured credit and financial roadmaps through ApprovalReady™ and CashFlowReady™.
Explore
Understand lender requirements and explore financing with Lender Match™ when the timing is right.
Evolve
Organize your funding activity and plan for your business's changing capital needs.
"Two hundred and fifty years ago, American founders pledged everything to the idea of freedom. Today, that same spirit lives in every small business owner who takes a risk to build something of their own. CredFin's mission is to make sure they have the funding to do it."
As an original investor on ABC's Shark Tank and the pioneer of the modern infomercial, Kevin Harrington has helped build businesses that generated over $5 billion in global sales. He understands, better than almost anyone, that the difference between a business that scales and one that stalls is often access to capital at the right moment.
Kevin's partnership with CredFin is built on a shared conviction: American entrepreneurs deserve a clear, transparent path to the capital that fuels the Golden Age of American business. Not a lucky break. A system.
Kevin Harrington is a CredFin, Inc. Advisory Board member.
Ray A. Smith & Kevin Harrington — Live on Fox Business Network
The Capital Qualified™
+ Lender Match™ System
Three steps, one mission: prepare your business before you ever submit an application. Know You Qualify, Before You Apply.
Know Where
You Stand
Lenders look at two things before they say yes: your business credit and your ability to repay. Most business owners have never seen either the way a lender does. We start by showing you what they see.
- Review across D&B, Equifax Business, and Experian Business
- Identify errors, outdated records, and missing trade lines
- Entity structure and business information alignment
- Cash flow and financial readiness review
- Your Capital Qualified Score™ — so you know where you stand
Build the Profile
Lenders Look For
A strong business credit profile and a clear financial picture are built deliberately. ApprovalReady™ maps your credit path. CashFlowReady™ maps your financial path.
- Trade line strategy by business stage and industry
- Credit building under your EIN, not your SSN
- Vendor accounts that report to the business bureaus
- Lender-ready financials and a forward-looking cash flow roadmap
- Bureau Insights™ and Funding Manager™ in the Vault
Match to
the Right Lenders
When your business is ready, we help you explore lenders whose criteria fit your profile. Not a blanket submission. A focused match, at the right time.
- SBA, alternative, traditional, and credit-line options
- Matched by industry, profile, and stage — not guesswork
- Apply when your profile is ready, not before
- Personalized roadmap with timing and sequencing
The Three Bureaus Lenders
Check Before Saying Yes
Your business has a credit file at three separate commercial bureaus. Most business owners have never seen any of them. Lenders have seen all three. That information gap is what CredFin closes.
What Lenders See
- PAYDEX Score (0–100) — your payment history to suppliers
- Delinquency Predictor Score — likelihood of late payment
- Financial Stress Score — probability of business failure
- D-U-N-S Number — your business identity in the D&B system
- Trade payment history and public filings
What Lenders See
- Business Credit Risk Score (101–992) — default risk rating
- Business Failure Risk Score — closure probability
- Payment Index — how quickly your business pays obligations
- Credit utilization across business accounts
- Owner's personal credit linked to the business record
What Lenders See
- Intelliscore Plus (1–100) — comprehensive credit risk score
- Financial Stability Risk Rating — near-term default prediction
- Trade payment trends across supplier accounts
- Public records: liens, judgments, bankruptcies
- Business demographics and industry risk classification
More Than Funding.
A Long-Term Capital Strategy.
A business rarely needs capital just once. Working capital, equipment, expansion and real estate each arrive at a different stage. Your funding department helps you prepare for each one, and helps you explore options when the timing is right.
Not just for your next funding opportunity. For the future of your business.
CredFin is not a lender. Independent lenders make every credit decision.
SBA Loans
Government-backed programs for growth & real estate
Business Lines of Credit
Flexible revolving access — draw, repay, repeat
Equipment Financing
Asset-backed, terms structured around useful life
Startup Financing
Capital for new businesses with limited credit history
Working Capital
For operations, payroll, and inventory
Commercial Real Estate
Purchase, refinance, or develop commercial property
Alternative Lending
Cash-flow based options for businesses banks pass on
EIN Credit Lines
Business cards and credit lines established under your EIN
Where Clients Start.
Where Clients Finish.
This is what changes when a business goes through the Capital Qualified™ system.
Before Capital Qualified™
- Declined for funding without knowing why
- Using personal credit and personal guarantees
- Bureau profiles with errors lenders see but you don't
- Submitting to multiple lenders, damaging credit score
- Overwhelmed, uncertain, and navigating blind
- Waiting months between rejections with no clear path
After Capital Qualified™
- Know where you stand before you apply
- Building credit under your EIN, separating business and personal
- Accurate, up-to-date profiles across all three bureaus
- Exploring lenders whose criteria fit your profile
- A funding department with a clear strategy and next steps
- Prepared for today's capital needs, and planning for tomorrow's
What Business Owners
Ask First
Latest Insights on
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Two hundred and fifty years ago, America was built by people who refused to accept limitations. Today, that same spirit drives every entrepreneur who bets on themselves. Every one of them deserves a funding department. Yours starts with a conversation.