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Case Studies
Nothing beats REAL PEOPLE getting REAL RESULTS. Check out the success stories of members of our community—people just like you— and see for yourself how they used the 5-Step Funding Approval Path™ to get the business credit lines and loans that changed their lives!
Robert was STUCK because of the quality of his personal credit profile...
Robert V, Fix and Flips
Saving $20,000+ in hard money points and interest each year!
Before...
The quality of his credit prevented him from getting business credit lines or loans
He had to use hard and private money to fund his deals
Was spending over $80,000 per year in hard money points and interest
What we did for him...
Made corrections to credit bureau reporting errors
Optimized his 30 positive borrower behaviors to compensate for his negative credit profile
Synchronized his business data and identity with the 21 fact-checking databases
Set up profitable banking partnerships with banks who were proven to offer $100K credit lines
Implemented custom baseline balance and trigger traffic models to hit the lender approval guidelines
AFTER implementing the 5-Steps...
Negative account was re-aged which qualified him for credit ine approvals
His credit score went up 150 points
At 6 months, 1st bank approved a $100,000 business credit line ($50,OOO upfront)
Same day, 2nd bank approved $100,000 business credit line ($50,000 upfront)
4 months later, 3rd bank approved a $20,000 business credit card AND a $100,000 business credit line ($50,000 upfront) at the same time
NO taxes • NO financials • NO income verification • NO inquiry • NO docs
Teresa was STUCK because her borrower behaviors were out of sync with approval guidelines...
Teresa P, Note Buyer
Leveraged into $1,000,000 revenue growth within 14 months
Before...
Her business revenue was over $500,000 per year
Was using personal credit cards for business expenses
Personal credit showed high utilization because of “business” balances
She had failed the lender “tests” when she opened her accounts
She had been rejected several times for business credit lines
She was discourage because cash flow wasn’t keeping up with her growth
What we did for her...
Debt-shifted her personal balances to business credit cards
Set up new accounts the right way at designated Funding Banks
Updated her business identity with lender fact-checking databases
Optimized the timing and amounts of her account balances/deposits
After implementing the 5-Steps…
Within 180 days… approved for $500,000 unsecured credit line
NO taxes • NO financials • NO income verification
Iesha and Derek were STUCK because their business identity and banking relationships were "all over the map..."
Iesha & Derek, Real Estate Investors
Both left their W-2 jobs and are leveraging their funds full time!
Before...
She was in the armed services stationed in Delaware and he was in North Carolina
Their real estate business was in Atlanta, GA and their funding entity was in WY and a restricted business
They had funds scattered between 3 different states and 4 different banks
They had been repeatedly denied business credit cards and credit lines but didn’t know why
They were frustrated they were stuck in their W-2 jobs
What we did for them...
Determined which state had the most target funding banks offering $100,000 business credit lines
Established funding entity in the state with most profitable banking relationships
Synchronized new business identity and data with the 21 fact-checking business databases
Created target banking partnerships using new funding entity
Intiated baseline balance and deposit strategies
Ran cashflow traffic to meet lender guidelines
After implementing the 5-Steps…
Within 180 days, they were approved for a $580,000 unsecured real estate business credit line
30 days later, 2nd target bank approved a $200,000 unsecured bank credit line/card combo
NO taxes • NO financials • NO income verification • NO doc
Jason was STUCK because his banking relationships kept him off the "automatic approval" list..."
Dr. Jason W. MD, Practice Optimizer
Built $300K Production Studio & Doubled Business in 12 Months
Before...
Cash flow was not keeping up with growth
Used personal credit cards for business expenses
Carried balances on his personal credit cards
Had a low-value “consumer” credit profile with local and online retail cards
Pulled from retirement and savings because he couldn’t get a credit line
Frustrated and angry because his credit score was over 800+ and business revenues were good but still got DENIED
His approval timeline: NEVER
What we did for him...
Audited his personal and business borrower profiles
Recommended business credit cards to debt-shift personal balances AND build relationships with target funding banks
Developed a pay-down schedule to meet approval guidelines
Provided personal AND business credit card traffic models
Optimized his business identity and data per approval guidelines
Implemented balance and deposit strategies
Provided FICO-based credit line traffic formula to increases credit limits
After implementing the 5-Steps…
Within 90 days…
approved for
$100,000 unsecured credit line
60 days later… credit line was increased to $300,000
180 days later… credit line was increased to $375,000
2nd target bank approved a $150,000 commercial property credit line
3rd target bank approved a $2,500,000 624 acre retreat lodge
NO taxes • NO financials • NO income verification
Michael was STUCK because he carried too much personal credit...
Michael J, Fix & Flips
Exceeded Merrill's approvals with $3,600,000 in credit lines
Before...
Had 8 Fannie/Freddie loans on his personal profile
Too much available credit from credit card stacking
No negative accounts but his score was in the mid 600s
The use of his balances and deposits did not trigger any interest to the bank software
All of his businesses had “restricted” business codes
What we did for him...
Transferred some of his "personal" mortgages to commercial paper to bring his loan portfolio below FICO and lender approval thresholds
Closed recent low-yield credit cards to meet "available credit" metrics
Coordinated bank account balance and trigger traffic to meet approval standards
Implemented "qualified funding entity" model to remove restricted business status
After implementing the 5-Steps…
1st target funding bank approved a $500,000 unsecured “pledge” credit line
6 months later, increased credit line to $1,000,000
12 months later, increased to $2,000,000 credit line portfolio
NO taxes • NO financials • NO income verification
Tom was STUCK because he didn't know how to leverage his bank balances and deposits...
Tennessee Tom, Short-Term Rentals
Continues to add short-term rentals to his thriving real estate inventory!
Before...
Had been at the same bank for 7 years
Was running $20K in deposits per month from his short-term rentals
No one had reached out to him for any kind of credit products
All of his businesses had “restricted” business codes
Didn’t even know that it would be possible to get business credit lines
What we did for him...
Optimized his business data and identity
Opened up a new account at the same bank the right way
Maintained the agreed upon baseline balance
Synchronized his same deposit traffic to trigger internal bank software
After implementing the 5-Steps…
Within 90 days…a banker reached him with a $85,000 credit line approval
180 days later…banker raised credit line to $150,000
NO taxes • NO financials • NO income verification
Susan was STUCK because of her bad credit...
Susan C, Executive Assistant
60 Month Loan Savings: $8,100
Before...
Most recent negative credit listing was 12 months ago (charge-off)
Credit bureaus were reporting multiple version of her name and address
Her recent auto loan was approved at 16% and payment was $570
Was denied business credit cards at her bank of 11 years
She felt angry and hopeless because she needed business credit AND her expensive auto loan was for 5 YEARS……
Without help, her approval timeline was 7 years
What we did for her...
Audited her myFICO.com credit report for applicable strategies
Discovered reporting errors on her charge-off
Provided targeted PBID disputes to rectify her multiple identities
Provided creditor-direct scripts and bureau dispute tools
Provided personal coaching on how to implement and succeed
After implementing the 5-Steps…
Her creditor re-aged the charge-off which made her approval timeline change from 7 years to 6 months
She removed all but (1) name and (2) addresses from her identity
She was approved for a $20K business credit card
She lowered her loan payment to $435/month
Saved $135/month and $1,620/year
TESTIMONIALS
What others are saying
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Our Results Speak for Themselves
This isn’t just guesswork. Every step of our Funding Approval Path™ is rooted in the insider knowledge we gained from FICO and years of experience.
93%
Application Approvals
It's just math. Follow the formula and you too will get the approvals that you want to level-up your life!
$1,462,000
Founder Approvals
This process is simply what Merrill Chandler did in his own situation...and you can do it too!
$300 Million+
Community Approvals
Our community has been wildly successful in getting approved for the credit, financing, and funding approvald.
Check Out Our Free Resources...
Solutions Q&A w/ Merrill Chandler
Every Tuesday at 3 pm (mountain) Merrill Chandler hosts a FREE Q&A session to help you avoid stepping on credit and funding landmines that will ruin your future approval opportunities. Come to a sessions BEFORE you:
• Complete ANY personal or business credit application
• Subscribe to a credit monitoring service
• Start an new company
• Engage credit repair services or do your own disputes
• Engage a debt consolidation "service"
• File for bankruptcy
• And any other credit, financing, and funding question
Get Fundable! Podcast & Blog
With almost 200 episodes, the Get Fundable Podcast does a deep dive on topics critical to your personal and business credit success. Topic categories include:
• How your identity is the gatekeeper to your approvals
• How the 5 Fundability Factors impact your success
• What types of business entities are fundable and which are restricted
• How to identify business credit "imposters"
• How business codes make or break your success
• And many, many more
Frequently Asked Questions
Want to read instead of watch our Solutions Q&A or Podcast? Our Frequently Asked Questions is where our most important questions and answers go to hang out
Follow the link to scan for answers to your important questions.
Income and Result Disclaimer
While the results stated on this website are real results, they are not typical and in no way represent a claim by Get Fundable!, Inc. that you will receive identical results. Your results and the time it takes to achieve said results, will vary based on your fundability, financial situation, and speed of strategy implementation.
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