Total digitized consulting from Matthew Carlucci, founder and CEO of Integrity Cap. A decade in banking, economics, and finance condensed into a curriculum that walks you through every element a bank evaluates and shows you how to change it.
Nine modules, taught in order, designed to take a declined profile to a bank-ready one. Each module is short, structured, and ends with a checklist you can actually execute.
How a real banker reads a file. What they look for first, what kills a deal, and what is forgivable.
FICO posture, utilization windows, dispute strategy, and the order in which to fix the personal side first.
Establishing Paydex, layering trade lines correctly, and the timing windows banks actually weigh.
The DSCR formula your CPA uses versus the one your banker uses. Why the gap matters and how to close it.
Add-backs, disallowances, Schedule C posture, K-1 flow, and how returns translate into underwriter cash flow.
Building a debt schedule a banker will accept, handling balloons and term debt, and the obligations to retire before applying.
How much personal guarantee capacity you still have, when the business can stand on its own, and the signals that move the needle.
LLC versus S-corp posture, NAICS treatment, time in business, and the structural choices that change your loan terms.
Which bank fits which profile, the order of applications, and how to present the file the way an underwriter wants to read it.
Matthew personally teaches every module. This is not a recorded webinar from someone who read a book about SBA loans. It is a structured curriculum from a founder who has placed more than $250M of capital and built relationships with more than 75 banking partners.
Full Membership is the closest thing to having him on retainer at a tenth of the cost.
Both products start from the same diagnostic. The difference is how far you want to go.
| What you get | Quick Screen | Full Membership |
|---|---|---|
| Bankability score | ✓ | ✓ |
| Decline-reason breakdown | ✓ | ✓ |
| Prioritized fix list | ✓ | ✓ |
| Full curriculum (9 modules) | — | ✓ |
| Founder-led teaching | — | ✓ |
| Tax-return and DSCR walkthroughs | — | ✓ |
| Debt schedule construction | — | ✓ |
| Application strategy and bank fit | — | ✓ |
| Price | $199 one-time | 6 × $199 ($1,194 total) |
| Guarantee | 7-day money-back | 7-day money-back |
"I had been declined twice when I started Full Membership. Module 5 alone, the tax-return module, changed the way my CPA filed the next year. Got the approval after that.
"What I did not expect was how much time it saved my CPA. Matthew teaches you the language so you stop paying professionals to explain basic underwriting concepts.
"The debt schedule module fixed three years of mess I did not even know I had. The bank had been counting an old line we had paid off as still open.
"I had been quoted $7K for a consultant to do half of what is in this curriculum. Worth the $1,194 the day I finished module 4.
"The application-strategy module told me to skip my first-choice bank because the profile did not fit. We applied at the bank Matthew recommended instead and closed in three weeks. The guy actually knows which file goes where.
Six months of structured curriculum taught by the founder. $1,194 total, payable as 6 × $199. Seven-day money-back guarantee.
Start Full Membership →