Disclosures

This is education, not a sale. FundableClub and the Funding Readiness Estimate on this site explain how personal credit, business credit and business funding decisions tend to work. Nothing here is a loan offer, a credit decision, a quote, or a guarantee of any specific outcome.

What this actually is. FundableClub is a free educational membership run by Keystone Credit & Capital, based in Atlanta, Georgia: an estimate, courses, tools and a community focused on strengthening personal credit, building business credit, and getting a business ready for funding. It is not a lender, not a broker, and not a law firm, and the free membership is not a credit repair service.

Who stands behind a loan. Any credit card, loan, line of credit, SBA loan, equipment financing or other funding you actually apply for is issued and serviced by that lender or funding provider, not by FundableClub. If you have a complaint about a loan itself, it belongs with the institution that issued it. FundableClub does not offer consumer auto lending of any kind.

How the numbers can vary. The estimate changes with your actual credit score, the amount and term, your income and existing debt, your business's time in business and revenue, and each lender's own rules and rate sheet. No one's past result predicts yours.

No guarantees. No course, tool, expert answer or strategy call guarantees a specific credit score change, the deletion of any item, a loan approval, a funding amount or an interest rate. Accurate negative information can generally stay on a credit report for up to seven years, and some items longer.

Costs and fees. The FundableClub membership, courses, tools and community are free, with no card required and no hidden fee. Any cost you pay is for a funding product itself, set by its lender, or for a separate paid service you choose to use (see the next section).

Done-for-you services from Keystone Credit & Capital. The courses and tools are built for doing this yourself, for free. If you would rather have a team do the work with you, members can optionally become clients of Keystone Credit & Capital, which offers separate, paid services: credit restoration, business credit building, and business funding preparation. Its credit restoration service is provided only under a written contract that states the services, the total cost and the expected timeframe, as the Credit Repair Organizations Act requires. You may cancel within three business days of signing, and no fee is charged before the services are performed. Using or declining any paid service never affects your free membership.

Commercial financing disclosures vary by state. Some states, including California and New York, require specific disclosures for certain commercial financing offers, such as the estimated annual percentage rate or total cost. Those disclosures come from the funding provider that makes you an offer. When an offer is quoted as a factor rate, ask for the equivalent annual cost before you sign.

The estimate's method and its limits. The Funding Readiness Estimate uses a 36 month term, a funding goal from $5,000 to $250,000, and a typical published rate band keyed to the credit score range you select (below 580, 580 to 659, 660 to 719, and 720 and up). It maps those ranges to the four FundableClub stages, Foundation, Bankable, Fundable and Funded, and shows how much more interest your range would pay than the 720 and up range. It does not pull your credit report, and it does not account for your income, your business's revenue or a specific lender's own rules. A real offer from an actual lender will differ, and that lender's number controls.

The experts. The experts named in the courses and community share general education. They do not give individual legal, tax or investment advice, and an answer in the community is not a professional opinion about your situation.

Common questions. For plain answers to the questions people ask most, including how the estimate works, what is and is not free, and how paid services fit in, see the frequently asked questions page.

Licensing and where we operate. FundableClub does not originate loans, broker loans, practice law, or charge a fee for the free membership, and it does not claim any lending, brokering or legal license. The courses, tools and community are available anywhere in the United States; any funding offer you pursue still depends on which lenders operate in your state and on that state's rules.