Declined yesterday. Approved ninety days later.

Three banks had passed because his DSCR came in below 1.20. The Quick Screen showed his CPA had been adding back the wrong depreciation line on the return. One amended treatment, two months later, approved at the fourth bank.

Strong revenue, weak documentation. Full Membership walked her through the tax-return treatment module. Her CPA refiled with proper add-backs the next year. Funded on the next application.

Personal credit fine. Business profile a mess on paper. The debt-schedule module surfaced a paid-off line the bureaus were still reporting open. One cleanup, one updated debt schedule, SBA closed in the same quarter.

Bought into a practice, needed working capital, was told her debt service was too thin. Worked through modules 4 and 5, restructured one piece of equipment debt, approved at her first-choice bank.

Applied at three regionals, all declined. Application-strategy module recommended a different lender posture entirely. Approved at the recommended bank in three weeks.

Personal FICO was high. Business credit was non-existent. Three months of trade-line layering from module 3, plus a clean debt schedule, line of credit approved.

Sole proprietor, mid-six-figure revenue, no business banking footprint. Quick Screen flagged the personal versus business split as the bottleneck. Funded inside eight weeks.

Equipment-heavy book of business, two prior declines on cash flow coverage. Module 6 restructured the debt schedule, module 9 routed to a bank that actually underwrites trucking. Approved.