Funding • Credit Solutions • Tradelines
Explore Funding Options
Solutions Built for Business Owners

Your Business Needs Capital. We Help You Find the Right Path.

Access business funding opportunities through a network of 72 lenders. If personal credit is standing between you and better financing options, we can help you address that too.

  • ✓ Funding options for working capital, equipment, inventory, expansion and other business needs.
  • ✓ Credit repair solutions when inaccurate or disputable negative information may be affecting your credit profile.
  • ✓ Authorized-user tradeline options for consumers looking to add established account history to an existing credit profile.
Financing and credit outcomes are not guaranteed. Eligibility, approvals, rates and terms vary by applicant and provider.
Business funding, credit improvement and authorized user tradeline solutions
More than one path forward. Funding first. If credit is the obstacle, we'll show you the other solutions available.
✓ 72-Lender Funding Network
✓ Credit Improvement Solutions
✓ Authorized User Tradelines
A New Look at Your Business Funding Options

You Looked Into Business Funding Before. A Lot Can Change.

If you're visiting this page after hearing from us, it's because you previously expressed interest in business financing. We're reconnecting with business owners to see whether funding is still something you're considering — and to offer additional solutions when personal credit may be standing in the way.

Business funding options for working capital, equipment, inventory and expansion
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Need Capital? Start With Business Funding.

Whether you're looking for working capital, purchasing equipment, stocking inventory or preparing for your next stage of growth, we can help connect you with potential financing options through a network of 72 lenders.

$ Working Capital
⚙ Equipment
□ Inventory & Supplies
↗ Business Expansion
Your Next Step Is Simple
1 Tell us about your business and funding needs.
2 Your information can be evaluated for available funding options.
3 Review any financing options, rates and terms for which you qualify.
Check My Business Funding Options →
Submitting an inquiry does not guarantee approval. Funding availability, amounts, rates and terms depend on lender requirements and applicant qualifications.
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What if personal credit is making business financing harder?

That's exactly why this program goes beyond funding. Keep going — the next option may help. →

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Credit Readiness

Is Personal Credit Holding Your Business Back?

Business owners are often evaluated on more than the business alone. If negative information on your personal credit is creating an obstacle, Miami Credit Repair can review your credit profile and help you address inaccurate, unverifiable, or otherwise disputable negative information.

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CollectionsReview questionable collection accounts
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Charge-OffsReview reporting and account information
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Late PaymentsReview potentially inaccurate reporting
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Other Negative ItemsReview your individual credit profile
The goal isn't simply a higher number. It's to work toward a cleaner, more accurate credit profile that may put you in a stronger position when you pursue financing and other financial opportunities.
Credit repair cannot guarantee the removal of accurate and verifiable information, a specific credit score increase, financing approval, or particular lending terms. Individual results vary.
Credit profile review for business owners
✓Start with a credit review

Understand what's being reported before deciding what credit solution makes sense for you.

What if your credit isn't bad — but your profile could be stronger?

Credit repair isn't the answer for everyone. See how authorized user tradelines work. →

Authorized user tradeline options
Already have fair credit? You may not need traditional credit repair. An established authorized-user account may be another option to explore.
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Another Credit Profile Option

Your Credit Isn't Bad. But Could the Profile Be Stronger?

If your credit is relatively clean but your profile has limited account age, a thin history, or higher overall utilization, an authorized user tradeline may be an option worth exploring.

What is an authorized user tradeline?

It is an established credit-card account on which another person is added as an authorized user. When the issuer reports the authorized-user relationship to the credit bureaus, information associated with that account may appear on the authorized user's credit report.

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Established Account Age A seasoned account may add older account history when reported.
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Utilization Profile Available credit on a reported account may affect overall utilization calculations.
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Additional Account History Adds another reported account when the issuer reports authorized users.
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For Existing Profiles Best considered as one component of a broader credit profile.
Important: A tradeline is not a loan, does not provide access to the primary cardholder's funds, and does not guarantee a credit-score increase or financing approval. The effect can vary based on the consumer's entire credit profile and how the account is reported.
Credit reporting and scoring models vary. Authorized-user accounts may not be reported by every issuer or considered in the same way by every credit scoring or underwriting model. No specific credit outcome is guaranteed.
Three Different Needs. Three Different Paths.

Still not sure which option makes the most sense?

That's okay. The next section makes it easy to compare Business Funding, Credit Repair and Authorized User Tradelines side by side. Find your path →

Find Your Path

Which Solution Is Right for You?

You don't necessarily need all three. Start with the problem you're trying to solve and choose the path that best matches your situation.

Business funding, credit repair and authorized user tradeline solutions
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Credit Repair

Best if negative credit is the obstacle

Review negative credit reporting and identify information that may be appropriate to challenge or address.

  • Collections
  • Charge-offs
  • Late-payment reporting
  • Other potentially disputable negative items
  • Individual credit-profile review
Explore Credit Repair →
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Authorized User Tradelines

Best for certain established profiles

Explore adding an established authorized-user account to an existing credit profile when appropriate.

  • Established account history
  • Additional reported credit limit
  • Potential utilization impact
  • Seasoned account options
  • Designed for existing credit profiles
Explore Tradelines →

Still not sure where to start?

If your main goal is getting capital for your business, start with funding. If credit becomes an obstacle, you can then explore the credit solution that fits your situation.

Start With Funding →
Financing, credit repair and authorized-user tradelines are separate services. No service guarantees a particular credit score, financing approval, loan amount, rate or lending terms. Eligibility and results vary based on individual circumstances and provider requirements.
One Place. Multiple Solutions.

More Than Funding. A Path Forward.

Financing isn't always just about finding another lender. Sometimes the right next step is funding. Sometimes it's addressing what's on your credit profile first. Our goal is to help you identify the path that makes sense for your situation.

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Broad Funding Network

Access potential business funding opportunities through a network of 72 lenders rather than relying on a single financing source.

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Credit Solutions

If negative credit reporting is creating an obstacle, you can explore credit repair instead of simply applying again and again.

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Tradeline Options

Consumers with an established profile can also explore authorized user tradelines when that solution may be appropriate.

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Choose What Fits

You don't need to purchase every service. Start with the solution that addresses the problem you're trying to solve.

A Smarter Approach

Don't Force the Same Solution on Every Business Owner.

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If you need capital now

Start by exploring the business funding options available to you.

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If negative credit is creating an obstacle

Review your credit profile and determine whether inaccurate, unverifiable or otherwise disputable information should be addressed.

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If your credit is fair but the profile is limited

Learn whether an authorized-user tradeline is an appropriate option for your situation.

Frequently Asked Questions

Questions Business Owners Ask

Why am I hearing from you now?
You previously expressed interest in business financing or business funding. We're reconnecting to see whether capital is still something you're considering and to introduce additional credit-related solutions that may be useful if credit has become an obstacle.
Do I have to use credit repair before applying for business funding?
No. If you're looking for business capital, you can start with the funding option. Credit repair is a separate service for consumers who have negative credit information they believe may be inaccurate, unverifiable or otherwise appropriate to challenge.
Does the 72-lender network mean I'm guaranteed a loan?
No. Access to a network of lenders provides additional potential funding options, but approval is never guaranteed. Lenders determine eligibility, amounts, rates and terms based on their own underwriting criteria.
Will credit repair guarantee that I qualify for business funding?
No. Credit repair and business funding are separate services. Addressing credit-report information does not guarantee a particular credit score or financing approval.
Are authorized user tradelines legal?
Being added as an authorized user to another person's credit-card account is a recognized account relationship. However, reporting, scoring and underwriting treatment can vary. A tradeline does not guarantee a particular score or financing result.
What if I don't know which option I need?
If your primary goal is obtaining capital for your business, start with business funding. If credit becomes an obstacle, you can then review the credit-related options on this page.

Ready to Take the Next Step?

If business capital is your goal, start with funding. If you already know credit is the issue, you can go directly to our credit solutions.

Your Next Move Starts Here

Don't Let the Wrong Obstacle Stop Your Business From Moving Forward.

Whether you're looking for business capital today or need to work on the credit profile behind the application, you now have more than one path to explore.

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Need Business Capital? Explore potential funding options through the lender network.
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Credit Holding You Back? Explore Miami Credit Repair's credit improvement services.
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Need More Credit History? Learn about authorized-user tradeline options.
Explore My Business Funding Options →
No financing approval, amount, rate or term is guaranteed.