STOP GETTING
DECLINED.
START GETTING
FUNDED.
The only system that shows you exactly why banks say no — and gives you a step-by-step roadmap to make them say yes. Built by Matt Carlucci and the team at Integrity Cap.
★★★★★ "My wife got ahold of Matt — he saved my business." See Todd's story ↓No credit check. No obligation. Results in minutes.
Todd Bought a Report. Now He's Getting a $350K SBA Loan.
Todd runs a cabinetry company. He'd been declined before and didn't know why. He purchased a BusinessEligibility Report — saw exactly what banks were flagging — worked with our team to fix the gaps, and is now approved for a $350,000 SBA term loan going into funding.
75% of Business Loan Applications Get Declined.
And most business owners never find out why. They keep applying — racking up hard inquiries, wasting months, and getting told "no" over and over.
The System Is Rigged Against You
Banks evaluate 5 layers you've never seen. Your credit score is just one. Business Eligibility decodes every single one.
Every Decline Costs You
Every rejection = a hard credit inquiry + weeks wasted + emotional energy. Stop applying blind.
A 750 FICO Means Nothing
If your cash flow ratios are off, your entity structure is wrong, or your tax positioning is weak — a perfect credit score won't save you.
"Matt Saved My Business."
"I fell victim to a shark loan that was well on track to putting me out of business. My wife got ahold of Matt, and he quickly jumped into action. He gave the file to Kelly to get to work on. Thanks to her efforts and the team's quick approval of my SBA funding, I was able to save my business."
We Decoded the Exact System Banks Use to Say Yes or No.
Business Eligibility is the only system built by a direct lender that reverse-engineers bank underwriting criteria — and gives you a personalized roadmap to become "bankable" before you ever submit an application.
Take the Quick Screen or Upload Your Documents
5 minutes, no credit pull. Our system analyzes everything the same way a bank underwriter would — but it works for you, not against you.
See Your Exact Score Across All 5 Layers
DSCR, Global Debt Service, credit signals, entity structure, tax positioning — you'll see exactly where you pass, where you fail, and why.
Get Your Personalized 30/60/90-Day Roadmap
A custom action plan showing exactly what to fix, in what order. You'll know which products you qualify for today — and what it takes to unlock the rest.
The Diagnosis — or The Cure.
The Quick Screen tells you YES, NO, or MAYBE. The Full Report tells you exactly what to fix, in what order, and which banks will approve you when you do.
Quick Screen
- YES / NO / MAYBE verdict in 5 minutes
- Program recommendations (SBA, conventional, CRE)
- Know exactly where you stand — today
- No personalized roadmap
- No dashboard or portal access
- No lender matching
Full Membership
- Everything in Quick Screen
- 13 Video Training Modules
- Custom Eligibility Dashboard & Portal
- Improvement Simulator (test "what if" scenarios)
- 8 Interactive Calculators (incl. MCA comparison)
- 11 Downloadable Tools & Templates
- Credit Box Matching — 75+ Banking Partners
- Priority Re-Application through Integrity Cap
- The Funded Promise — report investment credited toward financing
🎁 Launch Bonus — First 100 Full Report Buyers
Get a FREE 30-minute Funding Strategy Call ($500 value) with a senior Integrity Cap advisor. They'll walk through your remediation roadmap and identify the fastest path to approval.
When they're gone, they're gone. No exceptions.
They Stopped Guessing. They Got Funded.
"I do not believe there are enough words to describe what a pleasure it was to work with Integrity Cap. From the very first consultation, they quickly assessed the situation and developed a game plan to put me on much better financial footing."
"Our expenses dropped by $23,000 a month, and now we have the funds to grow! I couldn't have done this without you."
"Working with Integrity Cap on securing my SBA loan was an absolute game-changer for my business. The loan process seemed overwhelming at first, but the team guided me every step of the way."
"Michael was fantastic from start to finish. He explained every option clearly and never pressured me. Got funded in 4 days with a rate I didn't think was possible."
"I'd been turned down by other brokers because my situation was complex. The Integrity Cap team took the time to understand my business and found a perfect lending match."
"What an amazing experience working with Glen and the team. He was very personable and empathetic. This company was the only one that truly helped."
"We've been looking for funding for half a year and only Integrity Cap provided us the working capital we needed — in just 2 weeks!"
"Queenee handled everything with such professionalism. She kept me informed every step of the way and made a stressful process feel manageable. Highly recommend."
"Michael and the team made the whole process very easy. From the first call until I was approved and funded with an SBA loan, they were incredibly helpful."
"Working with Integrity has been great. I've used a lot of brokers and different people and you guys were able to get the job done and close a deal."
"After being burned by two MCA companies, I was skeptical. Integrity Cap restored my faith in business lending. Real rates, real people."
"It was awesome to work with Integrity Cap. I finally got the funds I needed for my business to stabilize. Thank you!"
"My experience with Integrity Cap was spectacular. They helped me with everything from start to finish. Thank you very much."
Who This Is NOT For
- You want a magic bullet with zero effort
- You're not willing to look at your real numbers
- You think your credit score is the only thing that matters
- You'd rather keep guessing and hoping
Who This IS For
- You want to know exactly why banks are declining you — and how to fix it
- You're willing to follow a clear, step-by-step roadmap
- You want to stop guessing and start applying with confidence
- You're ready to take control of your fundability
Everything You Need to Go From "Declined" to "Funded"
This isn't another course. It's the exact system our underwriting team uses — packaged so you can use it.
13 Video Modules
How banks actually decide. Reading financials like an underwriter. Credit signals, tax strategy, deal killers, and your complete timeline roadmap.
Custom Eligibility Dashboard
Upload your documents and get an instant breakdown: DSCR scores, Global Debt Service ratios, gap analysis, and a prioritized fix list.
Improvement Simulator
Drag sliders to test "what if" scenarios in real time. Pay off a debt? Add revenue? See how each change moves the needle before you do it.
8 Interactive Calculators
DSCR, Global Debt Service, SBA Pre-Screener, Cash Flow Forecaster, Credit Utilization Optimizer, Payment Estimator with MCA comparison, Tax Impact, Bankability Score.
11 Downloadable Tools & Templates
Bankability Lifecycle Map, Structural Risk Checklist, Revenue Integrity Audit, Tax Positioning Checklist, Deal Killer Checklist, Application Playbook, and more.
75+ Lender Credit Box Matching
See which lending partners you currently qualify for — ranked by approval likelihood — and exactly what it takes to qualify for the rest.
Priority Re-Application Through Integrity Cap
When you're ready, skip the line. Apply directly through the same team that built this system — with 75+ banking partners ready to fund you.
BONUS The Funded Promise
Every dollar you invest in your Full Membership is credited toward your financing fees when you get funded through Integrity Cap. Your report pays for itself.
The Funded Promise
This isn't a report you buy and forget. It's an investment in your funding.
Every dollar you put into your Business Eligibility Membership gets credited toward your financing fees when you get funded through Integrity Cap. Follow the roadmap. Fix the gaps. Get funded. Your report pays for itself.
The "Know Before You Apply" Guarantee
Go through the system. Upload your documents. Follow the roadmap. If your eligibility report doesn't give you a clearer picture of exactly where you stand, exactly what's holding you back, and exactly what to fix first — email us within 30 days and we'll refund every penny. No questions. No hoops.
You risk $0. You gain clarity worth thousands.
Still Have Questions?
What's the difference between the $199 Quick Screen and the $999 Full Report?
The Quick Screen is the diagnosis — YES, NO, or MAYBE in 5 minutes with program recommendations. The Full Report is the cure — 13 video modules, eligibility dashboard, improvement simulator, 8 calculators, 11 templates, 75+ bank credit box matching, and priority re-application. The Quick Screen creates clarity. The Full Report creates fundability.
Is this another generic business course?
No. Business Eligibility is built by Integrity Cap — a direct lender that has funded over $250M with 75+ banking partners. This is the exact underwriting intelligence our team uses to evaluate thousands of applications, packaged so you can use it before you apply.
I already know my credit score. Why do I need this?
Your credit score is ONE of FIVE layers banks evaluate. A 750 FICO means nothing if your DSCR is below 1.25x, your entity structure is wrong, or your tax positioning creates red flags. Most owners get declined because of the 4 layers they don't even know exist.
What if my credit is really bad?
That's exactly who this is built for. Many of our most successful clients started with scores under 650 and got funded because they optimized the other 4 layers. The system shows you exactly what's possible and what to prioritize first.
How does the $199/month payment plan work?
The Full Membership is $999 pay-in-full or $199/month for 6 months ($1,194 total). You get full, immediate access to everything on day one. Most borrowers need 3-6 months to fix their gaps anyway — the plan runs while you're doing the work.
What happens after I qualify?
You get priority re-application through Integrity Cap — the same team that built this system. 75+ banking partners. $250M+ funded. We don't just show you how to get funded. We fund you ourselves.
What is The Funded Promise?
Every dollar you invest in your Full Membership gets credited toward your financing fees when you get funded through Integrity Cap. Your report isn't a cost — it's a deposit toward your funding.
Who is Integrity Cap?
Integrity Cap is a direct lender with 75+ banking partners and $250M+ in funded business loans. Founded by Matt Carlucci, the company specializes in conventional bank financing with fixed monthly payments — including MCA debt refinancing, SBA loans, term loans, and commercial real estate financing. Business Eligibility is built by Integrity Cap's underwriting team. Visit IntegrityCap.ai →
YOU HAVE TWO OPTIONS.
Option 1: Do Nothing
Keep applying blind. Keep getting declined. Keep racking up hard inquiries. Maybe settle for a predatory MCA at 50%+ effective rates — costing you $20,000-$50,000+ in excess interest.
Option 2: Know Before You Apply
See exactly where you stand across all 5 underwriting layers. Get a personalized roadmap. Apply with confidence. Get funded by a real bank — and have your report investment credited toward your deal.
One-time or 6-month plan. 30-day guarantee. The Funded Promise included.