How it works

Read like a lender. Ranked by impact.

A soft pull, a 0 to 100 FundReadi Score, a realistic funding range, and your next actions ranked by impact. Here is the model, how it reads your file, and the four stages you move through, shown on the portal itself.

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Soft pull, no score impact Cancel anytime Founder rate locked for life
Powered by Equifax Soft pull, never affects your score AES-256 encrypted PII stripped before AI Your data is never sold

Three steps from sign-up to a plan you can act on.

Minutes from sign-up to your first read. Re-read monthly on every plan.

01

Verify, then a soft pull

Confirm it is you on our own screens, then we pull your file with a soft inquiry. No score impact, no hard pull, ever.

Identity check on our own screens, not a bureau's page Soft inquiry only, never a hard pull Equifax monitored continuously; Experian and TransUnion refreshed monthly
My Credit after the first pull: three bureaus, one axis. Sample data.
02

We read it like a lender

Every tradeline, inquiry, and flag decoded against the bureau your lender pulls, then scored 0 to 100.

Every tradeline, inquiry, and flag read against the bureau your lender pulls Each factor graded A to F against a lender target, never a new score The whole file scored 0 to 100 as your FundReadi Score
High impact factors on My Funding, graded against lender targets. Sample data.
03

You get the plan

Your FundReadi Report: the range your file supports, your readiness stage, the lenders that fit, and your next actions ranked by impact.

A funding range estimated from your file, never an offer of credit Your stage: Discover, Build, Optimize, Ready Lender tiers and your next actions, re-read monthly on every plan
The FundReadi Report card on My Funding. Sample data.

A funding-readiness model grounded in your real file, not a generic score.

The same data a lender weighs, read account by account, then scored 0 to 100 and translated into a realistic funding range that moves as your file moves.

Personal
130
lending products tracked
Business
974
lender rows, all 50 states
Directory
2,921
named community-bank underwriters
Founding
1,000
memberships, then the rate closes

One report. Your range, your stage, your moves.

Every FundReadi Report opens with the analyst’s headline, your score, the range, and your stage, then flows into every section: the factors, your next actions, lender strategy by bureau, risk watch, and the 90-day plan. Values shown here are samples; yours come from your own file.

A realistic funding range, not approval odds The bureau your lender pulls, read specifically A 0 to 100 FundReadi Score that re-reads monthly Prints and exports as one document, with no personal details
The detailed report as it prints. Sample data.

It reads your file like an underwriter, then hands you the next move.

No number-and-a-color. FundReadi decodes the file account by account, tells you which signal is doing the damage, and keeps a running ledger of what to do about it.

Read your file like an underwriter

Utilization by account against the 30% line, your account mix, payment history and inquiries, each decoded in plain language with the why behind it.

Credit utilization and account mix on My Credit. Sample data.

Your next actions, ranked by impact

Every action carries an Impact line and a timing note. Check it off when it is done; completed items stay on your ledger, so the next re-read knows what you already fixed.

The action ledger on My Funding. Sample data.

From soft pull to funding-Readi.

Four stages, the same ones on the stage track inside the FundReadi portal.

01Discover

Read your file like a lender.

A soft pull, then every tradeline, inquiry, and flag decoded against the exact bureau your lender will pull.

Tri-bureau spread · sample
300600716850Equifax712Experian698TransUnion741
Credit scores by bureau, VantageScore 3.0, 300 to 850
BureauScoreBandAs of
Equifax712GoodSep 12, 2026
Experian698GoodSep 12, 2026
TransUnion741Very GoodSep 12, 2026
02Build

Build the plan, ranked by impact.

Your highest-impact moves, each with an Impact line and a timing note, and the factors they move graded against lender targets.

High impact factors · sample
BStrongest bureau score741CRevolving utilization34%
Your value (colored by grade)Lender target
Readiness factors against lender targets
FactorGradeYour valueTargetStatus
Strongest bureau scoreB741740+On target
Revolving utilizationC34%under 30%Below target
03Optimize

Optimize, month over month.

Every re-analysis remembers the last. Alerts when anything lands, completed items kept on your ledger, and progress in writing.

Your next actions · sample
Pay the travel card down below 30% utilization
Impact: Moves your utilization band down and widens your estimated range
Wait out two more clean reporting cycles before applying
Impact: Avoids compounding inquiry weight on Equifax
04Ready

Funding-Readi, tier by tier.

Your range, your stage, and the lender tiers your file stands with today, with what unlocks the next one.

Lender tiers · sample
Tier 12 lendersApply now
Tier 22 lendersAfter the paydown
Tier 32 lenders · Stage 4 unlockLocked

Made for the way you actually check it.

The FundReadi portal is one responsive app: the same file, the same charts, on your phone. Dark mode is one tap away in the account menu.

Home on a phone. Sample data.
Dark mode, from the sidebar account menu. Sample data.

Built on continuous monitoring, so the read never goes stale.

The FundReadi Report is the product. Continuous credit monitoring is the foundation it reads from: every plan includes it, and every re-read uses your latest file.

Continuous Equifax monitoring

Your Equifax file is monitored continuously, so the read is never working from a stale copy.

Monthly tri-bureau reports

Equifax, Experian, and TransUnion side by side, VantageScore® 3.0, refreshed monthly on every plan.

Real-time alerts

A new account, a balance jump, a fresh inquiry, or a derogatory mark on your Equifax file reaches you the moment it lands.

Tradelines, decoded

Every account in plain language: balance, limit, status, and 24 months of payment history.

Inquiries, tracked

Who pulled your file and when, so you know when to apply and when to let a cluster age.

Public records

Anything on file a lender would ask about, surfaced before they do.

See it on your own file.

Reserve a spot by email. The first 1,000 members lock the founder rate for life on whichever journey they choose at launch.

How we protect your data