Funding Readiness OS · Phase 0 preview

Analyze. Repair. Prepare. Fund.

The AI-powered platform that scores your funding readiness, drafts educational credit dispute letters, tracks your progress, and matches you to vetted funding partners — all in one workspace.

Educational analysis only · No outcomes are guaranteed

What it does

Four engines, one workspace.

Built for entrepreneurs and consumers preparing to apply for funding. Each module is designed to be transparent and reviewable — you stay in control of every document.

AI readiness scoring

We turn your profile + credit data into a single 0–100 readiness score so you know exactly where you stand.

Educational dispute drafts

Generate FCRA-aware draft letters you can review and send yourself. No promises of removals — just clear, structured paperwork.

Progress tracking over time

Compare credit reports across pulls and watch your score, utilization and negatives evolve.

Vetted partner matching

Once you're funding-ready, we surface the lenders and capital partners whose criteria your profile actually fits.

How it works

From first profile to first funding match — in four steps.

  1. Step 01

    Profile

    Tell us about yourself or your business — entity type, revenue, time in business, and funding goals.

  2. Step 02

    Upload

    Drop in your credit report PDFs. We parse accounts, balances, utilization, negatives, and inquiries.

  3. Step 03

    Analyze

    Get your readiness score, a tailored roadmap, and educational dispute drafts based on flagged items.

  4. Step 04

    Match

    When you're ready, we connect your profile to vetted funding partners whose criteria you actually fit.

Funding Readiness Score

One number. Four tiers. Zero guesswork.

The Readiness Score blends your credit profile, capacity signals, and documentation completeness into a single 0–100 number — then maps you to a tier so you know what to do next.

Educational — not a credit score, not a guarantee of approval
85 – 100
Funding Ready

Profile, credit, and capacity align with most lender criteria. Time to match.

70 – 84
Almost Ready

A few small wins — utilization, recent activity, or documentation — close the gap.

50 – 69
Improvement Recommended

Specific items in your profile or credit file are likely to slow approvals. We map the fixes.

0 – 49
Repair Required

Negatives, errors, or thin file. Start with the educational repair roadmap before applying.

Credit Improvement Center

Educational draft letters, reviewed by you.

When the platform identifies items on your credit report worth challenging, it builds educational FCRA-aware draft letters you can edit, review, and decide whether to send. You stay the author — we just structure the paperwork and cite the right consumer protection frameworks.

  • Drafted from the items flagged in your report — not generic templates.
  • References to FCRA, FDCPA and Metro 2 framed as educational context.
  • Always editable. Always reviewable. Nothing is sent automatically.
Dispute draft · educational
v0.1
Flagged item
Account #•••• 4421 — reported balance does not match consumer record
For your review1 of 4 drafts
Funding Partner Match

Match to partners whose criteria you actually fit.

Once your readiness score crosses the threshold, we surface vetted funding partners based on your profile, credit data and capacity signals — not generic ads.

Working Capital
SBA-Aligned Lenders
Equipment Finance
Revenue-Based
Line of Credit
Term Loans

Partner categories shown are illustrative. Real partner matches surface only after your profile and credit data are reviewed.

Readiness Score · 7 pulls
81/ 100
+43 since Mar
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Report Comparison

See the work pay off, pull by pull.

Every credit report you upload is compared against your last one. Track score movement, utilization changes, newly opened or closed accounts and the negative items that have aged off — all in one timeline.

Already a member?

Pick up where you left off.

Jump straight back into your readiness workspace, drafts and uploaded reports.

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