Most brokers blast applications blindly, stack up hard inquiries, collect denials — leaving you less fundable than when you started. Fundium AI gives you what lenders know but won't share: the exact requirements to get approved automatically, every time.
Too many brokers operate on guesswork — filing applications blindly, racking up hard inquiries, collecting denials, and leaving you harder to fund than before you hired them.
Brokers submit to 5–15 lenders simultaneously — generating hard inquiries that each cost 5–10 FICO points. Your score ends up lower than when you started.
Every denial stays on record. When 3 lenders decline you, the 4th uses those rejections as evidence of high risk — accelerating your unfundability.
Most brokers don't know exactly what a lender's automated algorithm requires. They "try and see" — with your credit and your business on the line.
Lenders have precise requirements — exact scores, specific account types, exact thresholds. This information exists. It's just never shared with the people who need it.
The broker collects a fee. You're left with a damaged credit file, a record of denials, and a business that's harder to fund than before you hired them.
We analyze your profile across 8 dimensions before a single application is submitted. You know your score, your gaps, and what needs to be built before any lender sees your name.
We identify the exact lenders and products your current profile qualifies for — eliminating applications that would generate denials and inquiries you were never going to get.
We decode exact requirements — PAYDEX thresholds, FICO targets, banking standards, entity requirements — and help you meet every one before you submit anything.
Everything lenders know — exact scores, account types, timelines, documentation. No gatekeeping. The information is yours.
Submit only when your profile meets requirements. High auto-approval rates. Minimal inquiries. No unnecessary denials. Your credit goes up, not down.
"There are rules and regulations that banks must follow to approve individuals and businesses — without discrimination. The problem is there's no transparency that gives people the information they need to properly prepare. Fundium AI changes that."
Lenders have precise, documented criteria their automated systems use. The industry just never found it profitable to share them. We did.
Before a human reads your application, an algorithm scored it across identity, credit, banking, and compliance. If any layer fails a threshold, it routes to manual review — or automatic decline.
When you file your entity, lenders assign an industry risk score based on your NAICS code. Green-tier codes like 541611 get the benefit of the doubt. Red-tier codes trigger automatic skepticism — regardless of your credit.
D&B PAYDEX, Experian Intelliscore, and Equifax Business operate entirely separately from personal credit. A perfect personal FICO with no business file still triggers manual review by default.
Lenders score your average daily balance, deposit consistency, NSF history, and cash flow ratio. A single overdraft in 12 months triggers a manual review flag at the issuing bank.
Data aggregators like LexisNexis scan the internet to verify your business exists. If your Name, Address, and Phone aren't consistent across 8+ directories, the algorithm scores you as "unestablished."
PAYDEX 79 vs. 80 is the difference between declined and approved. FICO 719 vs. 720 determines your product tier. These thresholds are precise, predictable, and documented. Fundium AI publishes them.
Every time an uninformed broker submits an application on your behalf, there are measurable, documented financial consequences.
Every hard pull drops your FICO 5–10 points. A broker who submits to 6 lenders without qualifying you first just cost you up to 60 points — potentially knocking you out of your target product tier.
Hard inquiries remain visible to every subsequent lender for 24 months. Eight inquiries in 12 months signals financial distress — triggering manual review regardless of your score.
Collections, charge-offs, and public records stay on your personal credit report for 7 years. One denial from the wrong lender can disqualify you from premium products for nearly a decade.
Most brokers charge upfront regardless of outcome. You pay for their guesswork. You absorb the credit damage. Then you pay someone else to repair what the first broker broke.
We identify which products you qualify for before any application. Zero unnecessary hard pulls. Every credit inquiry we recommend is one you already know you'll be approved for.
We publish the exact thresholds, account types, and sequencing. You see the full picture before you sign an application or authorize a credit pull.
| CRITERIA | ✗ TRADITIONAL BROKER | ◈ FUNDIUM AI |
|---|---|---|
| Profile Assessment Before Applying | ✗Rarely — apply first | ✓8-category scoring first |
| Exact Lender Requirements Disclosed | ✗Never shared | ✓Full transparency on every threshold |
| Hard Inquiry Management | ✗Multiple unnecessary pulls | ✓Only qualified applications |
| Business Credit Architecture | ✗Ignored | ✓Full D&B · Experian · Equifax build |
| Entity Structure Optimization | ✗Not offered | ✓NAICS, structure & compliance |
| Broker Commission Rate | 2–5% + upfront fees | 1–1.5% success only + flat prep |
| AI-Powered Document Analysis | ✗Manual review, if at all | ✓Upload docs → instant AI report |
| Timeline to $1M+ Capital | "We'll try" — no guarantee | Exact 24-month roadmap |
| Ongoing Credit Management | ✗Transaction-based only | ✓Monthly monitoring & tradeline mgmt |
Four stages. Zero guesswork. Every step based on documented lender requirements — not gut feelings.
Upload your documents. Fundium AI scores your profile across all 8 categories, identifies every risk flag, and maps exact gaps versus lender requirements.
Get the precise blueprint — entity amendments, NAICS optimization, credit architecture, banking strategy, compliance. Build exactly what lenders need.
PAYDEX 80+. Intelliscore 76+. FICO 740+. Banking history established. Every metric hits the target before any application is submitted.
Submit only to lenders where your profile already qualifies. High auto-approval rates. Strategic sequencing. Your credit improves with every application.
Every dimension lenders' automated systems evaluate — scored, weighted, mapped against exact thresholds. This is the knowledge they have. Now you have it too.
Three business credit bureaus. Three scoring models. Every automated underwriting system checks all three. We map every target threshold and build your profile to clear all three simultaneously.
Articles of organization, bank statements, EIN letters, operating agreements, credit reports — upload any combination. Fundium AI reads every document, runs the full scoring engine, and delivers a complete intelligence report.
Articles of organization, bank statements, EIN letters, operating agreements, credit reports, tax returns, SAM.gov confirmations, business licenses. Upload any combination in any order.
Fundium AI reads every document and extracts entity names, addresses, filing numbers, account balances, and compliance information automatically. No manual entry. No forms to fill.
Every document contributes to your score across all 8 categories. The more documents you provide, the more precise the assessment and the richer the action plan.
Your report includes a 90-day prioritized action plan, exact lender targets, funding eligibility by timeline, and a services menu for items you want Tre Capital to handle.
When your profile meets documented criteria, lenders are legally obligated to approve you. The problem has never been the regulations — it's been the lack of transparency. Now you know.
Prohibits lenders from discriminating against credit applicants. Lenders must evaluate applications based on documented financial criteria — not discretion.
Governs how bureaus collect and use financial data. Lenders must have permissible purpose to pull credit. Every inaccurate item can be disputed and removed.
Requires banks to help meet the credit needs of all community segments, including underserved communities. Banks are evaluated on their lending records.
The SBA publishes exact eligibility criteria, credit minimums, and underwriting standards for every loan program. These are public documents — Fundium AI teaches you how to meet them.
Requires lenders to collect and report data on small business applications including denial reasons. Fundium AI uses this framework to build its scoring models.
Banks use proprietary AUS that score every application across documented minimum thresholds. Fundium AI's scoring engine reverse-engineers them from public regulatory filings and bank guidelines.
Every capital goal has an optimal path. Fundium AI maps the exact sequence with auto-approval probabilities based on documented lender standards — not estimates.
Revenue-based products require no business age. Net-30 vendor stack builds D&B immediately. Brex and Ramp deliver no-PG revolving credit at Month 3.
Bank-issued credit lines, SBA Express, multi-member LLC. PAYDEX 80+ unlocks Chase and BMO LOCs. Applications only when profile clears documented thresholds.
Full institutional profile. SBA 7(a) or commercial LOC. Revenue $500K+. FICO 760+. PAYDEX 90+. No application until every documented threshold is cleared.
SBA EIDL. Lowest credit floor of any $500K+ program. FICO 570 min. 3.75% fixed, 30-year terms. The most accessible large-capital program most brokers never mention.
Tre Capital provides expert document preparation, funding strategy consulting, and loan application assistance. Pricing is transparent. Commissions are the lowest in the industry. Success fees apply only when you actually get funded.
We don't profit from your failures. We profit from your wins. That's the only business model that aligns our incentives with yours.
Success-based commission only — paid when you receive funding. Flat prep fee upfront. Never speculative.
8-category AI scoring, risk flag analysis, funding eligibility map, and 90-day action plan. The intelligence that changes the game.
Entity setup + digital presence + DUNS/SAM + 90-day credit plan + banking strategy + advisor access.
5 Net-30 vendor setups, Nav enrollment, D&B PAYDEX monitoring, Experian file strategy, monthly reporting.
Expedited D&B DUNS registration, SAM.gov federal enrollment, CAGE code acquisition, and bureau file opening.
Complete SBA EIDL management — SAM.gov, eligibility, narrative writing, document package, submission, follow-up.
Everything — foundation, digital, 12-month credit build, DUNS/SAM, monthly management + one loan application.
Lenders have requirements. Those requirements are documented. They're not a secret — they've just been kept from you. Fundium AI ends that. Upload your documents, get your score, and build your business to exactly what lenders need to see.