Analysis & Consulting
Six Factors. Your Specific Profile. One Recommendation.
Before Credified recommends anything, we run a full financial analysis — six factors, not two. The result is a recommendation based on your specific credit profile, debt structure, and business type. Not a list of lenders and a hope that one of them says yes.
The Analysis
Six Factors. Most Lenders Check Two.
A credit score and a bank statement get a business into most lenders’ systems. They do not get a business the right deal. Credified builds a full picture of your financial position before matching you to any lender.
Credit Profile
Personal and business credit history, score, existing inquiries, and derogatory marks. We assess what’s there and how it affects which lenders will consider your application.
Earnings & Cash Flow
Revenue, net income, and monthly bank activity. For businesses that look unprofitable on paper because debt costs consume the margin, we separate the cost of debt from the performance of the underlying business — and present that clearly to lenders.
Debt Structure
Existing MCAs, term loans, credit lines, UCC filings, and payment obligations. We map what you owe, to whom, and on what terms — before recommending any path forward.
Business Type (NAICS)
Your industry classification affects which lenders will consider you and at what terms. We factor this in from the start — not after you’ve submitted to three lenders who don’t serve your sector.
UCC Filings
A blanket UCC filing encumbering all assets is not an automatic disqualifier at Credified. Our approach specifically addresses how to access monthly payment liquidity despite existing UCC encumbrances.
Tax Professional Coordination
When necessary, we coordinate directly with your company’s tax professionals to ensure your filings support — rather than undermine — your credit application. No other marketplace does this.
Built for Your Situation
The Work Most Lenders Skip
Most marketplace platforms submit your application to a list of lenders and wait. Credified analyzes first — six factors, not two — then matches you to the lenders most likely to approve your specific profile. That sequence changes the outcome.
- We identify the most affordable monthly payment options available to your business — not just the easiest ones to place
- We factor in collateralized and non-collateralized options across our full lender network
- We structure the application to present your business in the strongest accurate light
- We tell you upfront what we can and cannot do — before you sign anything or make any commitment
- For time-sensitive situations, we prioritize solutions that do not require exhaustive underwriting
“This industry is full of people who aren’t honest. What we do is tell businesses exactly what their options are — including when the answer is no. That honesty is what most of our clients have never experienced before.”
— Credified Founding Consultant
Who We Help
The Business Situations We See Most Often
These are not edge cases. Most businesses that contact Credified fit one or more of these profiles. If yours does too, that is a good starting point for a conversation.
Businesses with a blanket UCC filing and existing MCA debt
Most lenders walk away. Credified's analysis specifically addresses how to access monthly payment liquidity regardless of existing encumbrances in many instances. We have placed businesses that every other lender declined.
Companies that look unprofitable on paper due to debt costs
When daily or weekly payments consume most of your revenue, your P&L looks worse than your business actually is. Our analysis separates the cost of debt from the performance of the underlying business — and presents that clearly to lenders.
Startups and growth-stage businesses without long tax histories
Shorter operating history doesn't automatically disqualify a business. We identify which lenders focus on current revenue and credit profile rather than multi-year tax returns — and target those specifically.
Businesses that have been through the hard-pull cycle
Applying to multiple lenders in sequence drops your score with every hard inquiry — making the next application harder. Credified's soft-pull-first approach stops this cycle. One application, one analysis, multiple lender matches.
Find Out What Your Specific Profile Can Access.
One-minute pre-qualification. Soft pull only. No fees until your funding is confirmed.
