Verify, then a soft pull
Confirm it is you on our own screens, then we pull your file with a soft inquiry. No score impact, no hard pull, ever.
How it works
Read like a lender. Ranked by impact.
A soft pull, a 0 to 100 FundReadi Score, a realistic funding range, and three moves ranked by point value. Here is the model, how it reads your file, and the four stages you move through.
Soft pull, no score impact Cancel anytime Founder rate locked for life
Powered by Equifax Soft pull, never affects your score AES-256 encrypted PII stripped before AI Your data is never sold
Three steps from sign-up to a plan you can act on.
Minutes from sign-up to your first read. Re-read monthly on every plan.
We read it like a lender
Every tradeline, inquiry, and flag decoded against the bureau your lender pulls, then scored 0 to 100.
You get the plan
Your FundReadi Report: the range your file supports, your readiness stage, the lenders that fit, and three moves ranked by impact.
A funding-readiness model grounded in your real file, not a generic score.
The same data a lender weighs, read account by account, then scored 0 to 100 and translated into a realistic funding range that moves as your file moves.
Personal
130
lending products tracked
Business
974
lender rows, all 50 states
Directory
2,921
named community-bank underwriters
Founding
1,000
memberships, then the rate closes
One report. Your range, your stage, your moves.
Every FundReadi Report reads your bureau profile, places you on a readiness stage, and forecasts where your range goes as you work the plan. Values shown here are samples; yours come from your own file.
A realistic funding range, not approval odds The bureau your lender pulls, read specifically A 0 to 100 FundReadi Score that re-reads monthly
FundReadi Report
Personal journey
B
84/ 100
FundReadi Score, 0 to 100
Estimated funding range$70K to $110K
Readiness stageStage 3 · Optimize
Next re-readIn 30 daysRe-reads monthly on every tier
Estimate from your file. Not an offer of credit.
It reads your file like an underwriter, then hands you the next move.
No number-and-a-color. FundReadi decodes the file account by account, names the lenders that fit, and ranks the three moves worth the most points.
Read your file like an underwriter
Every tradeline decoded against the bureau your lender pulls, in plain language, with the why behind each signal.
Tradelines
Equifax · soft pull · read account by account
Credit card
Revolving · 74% used
High utilization
Auto loan
Installment · 38 of 60 paid
Current
Student loan
Installment · 1 late, 19 months ago
Watch
Three moves, simulated and ranked
Each move is scored for point impact and forecast against your file, so you fix what is worth the most first.
Three moves, ranked by impact
Forecast checked against your file
1+9 pts
Pay the card at 74% down to 30%
Two cards above 70% are capping the score
2+4 pts
Hold new applications 60 days
Lets the newest inquiry cluster age
3Modeling
Open a reporting tradeline
Modeling the impact on a thin file
Re-reads monthly as the file moves2 ready · 1 modeling
From soft pull to funding-Readi.
Four stages, the same ones you move through inside the FundReadi portal.
01Discover
Read your file like a lender.
A soft pull, then every tradeline, inquiry, and flag decoded against the exact bureau your lender will pull.
Utilization72%
Payment history94%
Inquiries, 12 mo38%
02Build
Build the plan, ranked by impact.
Your three highest-impact moves, scored by point value, with a forecast of where your funding range goes.
Pay down utilization+9 pts
Re-age the inquiry cluster+4 pts
Add a reporting lineModeling
03Optimize
Optimize, month over month.
Every re-analysis remembers the last. Real-time alerts when anything lands, and progress in writing as your range climbs.
Month 142
Month 264
Month 386
04Readi
Funding-Readi, matched by name.
Your range, your readiness stage, and lenders matched to your file by name. You walk in knowing.
Stage 4 · Readi
Matched lenders6
Estimated range$70K to $110K
Built on continuous monitoring, so the read never goes stale.
The FundReadi Report is the product. Continuous credit monitoring is the foundation it reads from: every plan includes it, and every re-read uses your latest file.
Continuous Equifax monitoring
Your Equifax file is monitored continuously, so the read is never working from a stale copy.
Monthly tri-bureau reports
Equifax, Experian, and TransUnion side by side, VantageScore® 3.0, refreshed monthly on every plan.
Real-time alerts
A new account, a balance jump, a fresh inquiry, or a derogatory mark on your Equifax file reaches you the moment it lands.
Tradelines, decoded
Every account in plain language: balance, limit, status, and 24 months of payment history.
Inquiries, tracked
Who pulled your file and when, so you know when to apply and when to let a cluster age.
Public records
Anything on file a lender would ask about, surfaced before they do.
See it on your own file.
Reserve a spot by email. The first 1,000 members lock the founder rate for life on whichever journey they choose at launch.