Not Sure Where to Start? We'll Tell You.
Most people apply for funding at the wrong time, in the wrong order, and leave money on the table.
Let's Get to Know You.
We'll use this to send your results and match you with the right path.
What's Your Current Credit Score Range?
This is the first thing James checks. It shapes every decision that follows.
Any of These on Your Report?
Select all that apply. Any derogatory item, regardless of size or age, affects what you qualify for right now.
What's Your Current Credit Utilization?
Total balance across all cards divided by your total credit limit. Lenders see anything above 30% as a concern, though high utilization alone does not always disqualify you.
How Long Has Your Oldest Account Been Open?
Credit history length signals stability to lenders.
Do You Have a Registered Business Entity?
LLC, S-Corp, C-Corp, or similar. Sole proprietors and unregistered businesses count as No.
How Do You Want to Access Funding?
We recommend business credit. It keeps your personal profile clean and scales better. But both paths are available.
How Much Funding Are You Looking For?
This helps us match you to the right lenders and products.
What Do You Need the Funding For?
Select the primary use.
How Soon Do You Need Funding?
Have You Received Funding Recently?
This does not change your results. It just helps our team route you correctly if you need it.
Profile Optimization
Comes First.
Based on your answers, your profile has items that would prevent lenders from approving you right now. This is not a dead end. It is the right starting point. The fastest path to funding is building the foundation correctly first. Once your profile is positioned, you move directly into funding. You do not start over.
Below is the package that fits your situation. Flat rate, 12-month enrollment, handled by Shatoya Rivers, the only credit specialist James refers his clients to.
Shatoya Rivers
Board-Certified Credit Consultant and CCAJames does not send clients anywhere he does not trust. Shatoya's team uses a fully legal dispute process backed by a legal analyst on staff. No workarounds, no shortcuts, nothing that does not hold up.
Verified client results, 2025
Don't Wait Idle.
Start Learning the System.
While your profile is being optimized, use this time to learn exactly how funding works, so you're ready to move the moment your profile clears.
You're Ready
to Move.
Your profile is in a strong position. The next step is a funding consultation where James reviews your full picture, builds your sequencing strategy, and identifies which lenders to approach and in what order.
No upfront broker fees. A success fee is collected only after capital is secured.
Know the System.
Scale with It.
Whether you're getting funded now or building toward a bigger round, Guided Wealth keeps you inside the strategy. Weekly calls, lender updates, and a room of people moving with intention.
Fund Now.
Build in Parallel.
Your credit is in good shape. Your business isn't fully set up yet, but that doesn't mean you wait. We can start you on personal credit funding now while you build out the business structure alongside it. When your entity is ready, you move to business credit.
No upfront broker fees. A success fee is collected only after capital is secured.
Get Your Business
Fundable While You Move.
The Get Ready tier walks you through exactly what your business needs to be funding-ready: entity structure, EIN, bank account, and business credit foundation.
You've Been Funded.
Let's Build Round 2.
You were recently funded, which means your profile needs a strategic window before the next round. This is exactly the time to be inside Guided Wealth. James works directly with recently funded members on manufacturing their next round: which accounts to keep active, how to manage utilization, when the next window opens, and how to position for a larger approval.
Round 2 is always bigger than Round 1. But only if the foundation is managed correctly between rounds.
The Strategy Between
Rounds Is the Difference.
James talks directly to recently funded members about account management, utilization strategy, and timing. This is what separates one-round clients from those who scale round after round.