Our Process
Three Steps. No Surprises at Any of Them
Every business that works with Credified goes through the same process. It is the same whether you have $50K in MCA debt or a clean credit profile. Structured, documented, and no fees until your funding is confirmed.
The Process
Here Is What Actually Happens — Before You Start
Most clients who come to Credified have been through at least one lender that was vague about the process, the fees, or what they could actually do. We are not vague. Here is exactly what happens from the first contact to funded.
Submit Your Application
Upload your most recent corporate and personal tax returns plus your latest profit and loss statement through our secure, bank-encrypted portal. Most clients complete this in under 15 minutes.
~15 MinFinancial Assessment
We run a soft credit pull — it does not appear on your credit report — and review your full financial picture: earnings, credit profile, business type, debt structure, and UCC filings. We prequalify your application through our institutional lender marketplace before you speak to anyone.
1 Business DayVideo Consultation
Once prequalified, we schedule a video call. You meet your dedicated consultant — one person, not a team — review your specific marketplace options, and decide whether to proceed. There is no commitment at this stage. No cost. If the answer is no, you leave with an honest assessment of where you stand.
20–30 MinStep 01
What You Submit — and What We Do With It
To run an accurate marketplace assessment, we need a clear picture of your business’s financial position. The documents are standard. They are handled through a bank-encrypted portal. Nothing is shared with any lender without your knowledge.
- Last 3 corporate bank statements — shows actual cash flow and revenue patterns
- Last 2 personal and corporate tax returns (if applicable) — required by most institutional lenders
- Most recent profit and loss statement — gives context the tax returns don't capture
- All documents submitted through a bank-encrypted portal — your data is never shared without your consent
Step 02
Thorough Assessment. Zero Credit Impact.
The assessment is comprehensive — six factors, not one. It does not touch your credit score. You see your marketplace options before you sign anything or make any commitment.
- Soft credit pull only zero impact to your personal or business credit score
- A hard inquiry is only initiated if you choose to proceed with a specific lender offer
- We assess: credit profile, earnings, business type (NAICS), debt structure, and existing UCC filings
- Blanket UCC filings do not automatically disqualify your application
- Typical turnaround: within one business day
Important: Credified does not guarantee approval. Our assessment tells you honestly what we can and cannot do for your specific situation before you sign anything.
Step 03
One Person. A Real Conversation. Before Any Commitment.
Every prequalified business speaks directly with a Credified consultant — one person, not a team. No chatbot. No automated system. This is where we tell you honestly what we can do, what we cannot, and what the engagement looks like if you choose to proceed.
- Brief video call typically 20 to 30 minutes
- You review your specific marketplace options with your dedicated consultant
- We walk through next steps and what the engagement looks like in practice
- After the call, you receive the Credified Engagement Agreement no fees until funded
- Even if the answer is no you leave with honest, clear information about your options
To Pre-Qualify
in Credit Facilities Arranged
Fees Until You're Funded
Engagement is always contingent on your success
One Minute to Know If There Are Options for Your Business.
Soft pull only. No commitment at pre-qualification. No fees until funding is confirmed.
