Credit review and readiness
- All three reports, gone through with you line by line
- What lenders will see for your goal
- A priority list of what to work on first
Credit • Capital • Growth
Build your credit.
Get funding-ready.
We review your credit with you, build what lenders look for, and give you a step-by-step plan, so you apply with confidence.
- Free 15-minute consultation
- Personal and business credit
- Your plan in writing
Funding readinessExample profile
Readyto apply
- Business entity and EINDone
- Business bank accountDone
- Business credit files3 bureaus
- Accounts reporting4 active
- Personal credit useLow
- Recent inquiriesFew
Ready to apply for
Business credit cardsLine of creditEquipment financingExample only. Your results depend on your own profile.
See your own score
41%
of small businesses with employees that applied for financing received all the funding they sought (2024 survey).of employer firms that applied got all the funding they sought (2024).
Federal Reserve Banks, 2025 Report on Employer Firms (2024 Small Business Credit Survey)
41%
of firms denied some or all of the financing they sought in 2024 said the reason was that they already had too much debt, up from 22% in 2021.of firms denied financing in 2024 said they already had too much debt.
Federal Reserve Banks, 2025 Report on Employer Firms
26M
U.S. consumers were “credit invisible”, with no credit record at a nationwide credit bureau: about 11% of adults (data as of 2010).U.S. consumers had no credit record at a nationwide bureau (2010).
Consumer Financial Protection Bureau, Data Point: Credit Invisibles (May 2015)Are you funding-ready?
Answer 8 quick questions and see where you stand today, with the first steps to take. It takes about a minute, and you don't need to share any account numbers.
- About 60 seconds
- No credit pull, no SSN
- Instant results with next steps
The readiness check is loading. If it doesn't appear, book your free consultation and we'll go through it with you.
0/100 readiness
Your first steps
This check is educational, based only on your answers. It isn't a credit decision or a promise of approval.
Everything lenders look at, handled in order
Four ways we get you funding-ready. Every engagement comes with a written plan, check-ins as you go, and straight answers in plain language.
Personal credit plan
- Balances, payment history and inquiries, in the right order
- A written plan you can follow week to week
- Check-ins to adjust as things change
Business credit building
- Entity, EIN and business banking set up to be funded
- Business credit files with Dun & Bradstreet, Experian Business and Equifax Business
- Starter accounts that report payments
Funding strategy
- Which funding fits: cards, lines of credit or equipment
- When to apply, and in what order
- Fewer wasted inquiries, stronger applications
Details and pricing are shared after your free consultation. See all services
How a plan comes together
Four steps, in this order. Nothing moves to the next step until you decide it should.
- 1
Free consultation
Fifteen minutes by phone. Your goal, your timeline, and where your credit stands today.
- 2
Your written plan
What to do first, what to do next, and what to leave alone, in plain language.
- 3
Build, step by step
Personal and business credit habits, worked through in order, with check-ins along the way.
- 4
Apply when you're ready
You decide when and where to apply. Lenders make their own decisions; you walk in prepared.
Your planExample layout, not real client information
In writing- 01Set your goal and timelineConsult
- 02Review all three credit reports togetherConsult
- 03Decide what to work on first, and what to leave alonePlan
- 04Keep business and personal finances separatePlan
- 05Build the business's own credit profileBuild
- 06Check in and adjust the planBuild
- 07Choose when and where to applyApply
Every plan is built around your goal. Example layout shown.
Funding we get you ready for
For your business
- Business credit cards
- Business lines of credit
- Equipment financing
For you personally
- Mortgages
- Auto loans
- Personal loans
- Personal credit cards
- Personal lines of credit
Your personal profile matters for business funding too. Many lenders look at the owner's credit, so we set yours up to help you qualify for larger business funding.
This is for you if
- You're planning to apply for business funding in the next year
- Your business is new and doesn't have a credit profile yet
- You've been turned down and want to know why
- You're buying a home or a car and want your credit in shape first
- Your personal and business finances are mixed together
- You're done guessing and want a plan that tells you what to do next
Meet your consultant
Tosh Leonard Founder, Assolto
“Most people walk into a lender’s office guessing. My job is to make sure you don’t. We look at your credit together, build what lenders want to see, and map out exactly when and where to apply.”
What happens in your free consultation
- Your goal and your timeline. A business line of credit, a home, a car, a personal loan, or simply getting organized.
- Where your credit stands. Have your recent credit reports handy if you can; you can request them at AnnualCreditReport.com. We never ask for your full Social Security number.
- What lenders will look at. In plain language, for your situation.
- Your next steps. Clear, in order, and yours to keep, with no obligation.
Your funding plan starts with one call.
A free 15-minute consultation. Tell us your goal, and we'll show you where you stand and exactly what we'd do first.