Frequently asked questions

A free education membership for people strengthening their personal credit and for business owners getting a company ready for funding. You get courses, tools, a community and a free 20-minute funding readiness call, organized as a path: Foundation, Bankable, Fundable, Funded.

Yes. The Funding Readiness Estimate, the membership, all 24 courses and all 35 tools are free, no card required. Membership stays free for as long as you use it.

The free membership is not a credit repair service. It is education: we teach you how to read your own reports, dispute what is wrong yourself, and track your progress with free tools. Keystone Credit & Capital, the company behind the Club, also offers a separate, paid credit restoration service. That service is only ever provided under its own written contract, with a 3-day right to cancel and no fees charged before the work is performed, as the Credit Repair Organizations Act requires.

No. FundableClub is an educational service, not a lender, a broker or a law firm. We never approve, deny or fund anything. Every funding decision is made by the lender you apply with, under its own underwriting.

You pick your path, your estimated credit range and how much funding you are working toward, from $5,000 to $250,000. It applies typical published rate bands for that credit range over a 36 month term, shows which FundableClub stage you are likely in, and shows how much more interest your current credit tier would cost compared with a 720+ borrower.

It is an estimate built on typical, published rate ranges, not a real lender's underwriting. Your actual offer depends on the lender, your full credit file, your business's time in business and revenue, and the lender's own rules. Treat it as a realistic starting point, not a quote.

No. It does not check your real credit or run any kind of inquiry. You are just telling it your estimated range, so it has zero effect on your score.

They are the four stages of the Club path. Foundation is reading and cleaning up your personal credit and setting up your business correctly. Bankable is a personal and business profile a bank takes seriously. Fundable is a business credit file in the business name. Funded is applying in the right order for the right products.

For most people it is lowering credit card utilization, since it can move within a single billing cycle. Fixing an inaccurate item through a dispute is the next fastest lever. Both are covered in the free courses. No one can honestly promise a specific score increase.

It varies. Many people see a meaningful move within 60 to 90 days of consistent, focused effort: utilization down, disputes filed where something is wrong, no new late payments. The 30/60/90 day course walks through exactly that timeline.

A soft pull, like pre-qualification, does not affect your score. A hard pull happens when you formally apply, and it can cost a few points. Ask a lender which kind they are doing before you apply, especially if you are just comparing options.

It is your credit card balances compared to your limits. It is one of the two biggest scoring factors, alongside payment history, and it is usually the fastest one to move since it can update within a single billing cycle.

Lowering your utilization, even partially, almost always helps before you apply. You do not need it at zero: getting each card under about 30%, and ideally under 10%, is usually enough to see a real difference.

Often, yes, since it can shorten your average account age and reduce your total available credit, which raises your overall utilization. It is usually better to stop using a card than to close it, unless it carries a fee you no longer want to pay.

It means someone adds your name to their existing account. If that account is old and carries low utilization, it can genuinely help. If it is young or maxed out, it can hurt just as easily. Be wary of anyone selling tradeline spots.

It is a formal request to a credit bureau to correct something inaccurate, incomplete or unverifiable on your report. It works when the underlying item is genuinely wrong, and the free course walks through how to write one that gets a real result.

Most negative items, including late payments and collections, can report for up to seven years, and a bankruptcy up to ten. Their effect on your score fades well before then, especially as you stack up on-time payments afterward.

Start with the reason codes, then check the accounts section for anything wrong, unfamiliar, or worse than you remembered. The first Foundation courses walk through a real report line by line, the way an underwriter reads it.

It is the notice a lender must give you when it declines an application or offers worse terms based on your credit, listing the key reasons. It is one of the most useful documents you can have when you are figuring out what to fix.

Usually not exactly. Equifax, Experian and TransUnion each hold slightly different data, so your scores can differ, sometimes by 20 points or more, depending on which one a lender pulls.

Yes. It takes time and consistency: secured cards or credit-builder loans, on-time payments, low utilization and patience. The course on building credit from zero, or after a collection or bankruptcy, walks through the order that works.

Personal credit is tied to your Social Security number. Business credit is tied to your business and its EIN, and is reported by business bureaus such as Dun & Bradstreet, Experian Business and Equifax Business. Early on, most lenders still lean heavily on your personal credit.

Form the business properly, get an EIN, open a business bank account, make sure your address, phone and website line up everywhere, register with the business bureaus, then open Net-30 vendor accounts that report. The Fundable stage courses cover each step in order.

A vendor account that lets your business buy now and pay within 30 days. When the vendor reports your payments to a business bureau, paying early and on time builds your business credit file and your Paydex score.

Opening several business credit cards with 0% introductory APR offers in a planned order, so a business can use the combined limits as short-term working capital. It leans heavily on strong personal credit, and it only works if you have a real plan to pay the balances down before the promotional period ends.

Generally time in business, steady revenue, reasonable personal credit, a clear use of funds and a full document package. SBA 7(a) and Express loans are made by participating lenders with an SBA guarantee, and each lender adds its own requirements. The SBA course helps you prepare, it does not guarantee approval.

It depends on the product. Some cards and lines of credit look mostly at personal credit, while term loans and SBA loans usually want two years or more of operating history and revenue. The Funding Options Matcher tool helps you see which products fit where you are today.

Yes, very different. A factor rate, common in revenue-based funding and merchant cash advances, does not show the effective annual cost the way an APR does. Always ask for the equivalent APR, or work it out, before you sign anything quoted as a factor rate.

Often, yes, because the equipment itself secures the financing. Newer businesses may face a larger down payment or a higher rate. The equipment finance course and estimator show you the real numbers first.

24 courses across four stages. Foundation covers reading your report the way a lender does, how lenders score you, a 30/60/90 day sprint, dispute letters, collections, identity theft and freezes, building credit from zero, and launching your business the right way. Bankable covers utilization, authorized users, first credit products, protecting your credit for funding and separating business and personal credit. Fundable and Funded cover business credit, trade lines in the right order, 0% card stacking, SBA loans, equipment finance, alternative funding and getting funded.

35 tools across personal credit, business credit and funding readiness, including a utilization optimizer, a dispute timeline planner, a rate tier cost comparison, a refinance or consolidation break-even calculator, a business credit readiness score, a funding readiness score, a 0% stacking planner and an SBA eligibility screener.

Correct. Joining takes a name, an email and a password, nothing else. There is no trial that converts into a paid plan.

Yes, if you want it. FundableClub is free and yours to keep either way. Members can optionally become done-for-you clients of Keystone Credit & Capital for credit restoration, business credit building or funding preparation. Any paid service is explained in writing before you decide, and the free membership never depends on it.

Yes. It is free either way, but if you ever want your account closed, message us at support@fundableclub.example and we will take care of it.

Once you join free, your dashboard has a link to book your free 20-minute funding readiness call with the team.

Message us any time at support@fundableclub.example, or use the direct messages inside your free membership once you join.

You can save your estimate to a free account, which unlocks your dashboard, all 24 courses, all 35 tools, the community and your free 20-minute funding readiness call. Nothing is charged and nothing is required beyond that.

Yes. Lenders often ask self employed applicants for extra income documentation, and the business credit and funding courses are built for exactly this situation.

The courses, tools and community are available anywhere in the United States. Commercial financing rules and disclosures vary by state, and specific funding options depend on which lenders operate in your state.

No. We do not sell your information. See the full privacy policy for exactly what is collected and who can see it.