Quick. Predictable. Stress-free.
Client Top-Tier Bank Approval Successes...
Nothing beats REAL PEOPLE getting REAL RESULTS.
Check out the success stories of members of our community—real estate investors just like you—and see for yourself how they used the 5-Step Bank Approval-Readiness System™ to get institutional-grade bank business credit lines and loans that changed their lives!
Paige was STUCK because she had multi-property opportunities in front of her, but she didn't have enough capital to make bigger moves...
Paige P. Real Estate Investor...in her own words
Before...
Her derogatory credit put her FICO® score in the 500s
Her unconscious borrower behaviors triggered denials even from hard and private money lenders
The structure of her business was such that NO lender could see clearly how they would get repaid
Her business accounts were with banks that were not chartered to lend unsecured, low-cost funds
She missed out on four deals that would have added $25,000 net to her bottom line every year
What we did for her...
Analyzed which banks could work with her particular credit and timed her applications accordingly
Optimized her 40 positive borrower behaviors to compensate for her negative credit profile
Synchronized her business entity data to align with the 21 fact-checking databases lenders use to verify businesses
Repositioned her with with banks who were proven to offer multiple six-figure credit lines
Implemented FICO-based baseline balance and trigger traffic models to hit the lender approval guidelines
AFTER implementing our System...
New borrower behaviors caused her credit score to go up 150 points
1st Target Bank:
Approved for a $100,000 business unsecured credit line ($50,000 upfront)
2nd Target Bank:
Approved for a $100,000 business unsecured credit line
Approved for a $100,000 business unsecured credit card
NO taxes • NO financials • NO income verification • NO inquiry • NO docs
RESULTS...
Paige utilized the credit lines to leverage even more top-tier bank approvals to expand her multi-family holdings and reach her goal of $500,000 institutional-grade approvals
Robert was STUCK because of the low quality of his personal credit profile...
Robert R. Real Estate Investor...in his own words
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 our System...
His new borrower behaviors drove his credit score up 150 points
Negative accounts were re-aged which qualified him for credit line approvals
1st Target Bank:
At 6 months, $100,000 business unsecured credit line ($50,OOO upfront)
2nd Target Bank
Same day...approved $100,000 business unsecured credit line ($50,000 upfront)
3rd Target Bank
Four months later...approved a $20,000 business unsecured credit card AND a $100,000 business unsecured credit line ($50,000 upfront) at the same time
NO taxes • NO financials • NO income verification • NO inquiry • NO docs
RESULTS...
Robert started saving $20,000+ in hard money points and interest each year and was able to do six more fix and flips per year...
Teresa was STUCK because her borrower behaviors were out of sync with approval guidelines...
Teresa P. Note Buyer...in her own words
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 System...
Her crafted borrower behaviors moved her credit score up over 1oo points
1st Target Bank
Within 180 days…approved for $500,000 unsecured credit line
NO taxes • NO financials • NO income verification
RESULTS...
Leveraged credit line into $1,000,000 revenue growth within 14 months...
Iesha and Derek were STUCK because banks wouldn't lend to a business that was doing business literally "all over the map"...
Iesha & Derek, Real Estate Investors
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 six-figure business credit lines
Established funding entity in the state with most potential 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 our System...
1st Target Bank
Within 180 days...approved for a $580,000 unsecured real estate business credit line
2nd Target Bank
30 days later...approved for a $200,000 unsecured bank credit line/card combo
NO taxes • NO financials • NO income verification • NO docs
RESULTS...
Derek and Iesha both left their
W-2 jobs and doubled their profits within 18 months...
Jason was STUCK because his banking partners couldn't identify "what business he was in"...
Dr. Jason W. MD & Real Estate Investor
Before...
Cash flow was not keeping up with his 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 high-yield retirement and savings because he couldn’t get a credit line from his banks
Frustrated and angry because his credit score was over 800+ and business revenues were good but still got DENIED
What we did for him...
Debt-shifted personal balances to business credit cards with target funding banks
Developed a personal credit card pay-down schedule to meet captital 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 increase credit line limits and additional approvals
After implementing our System...
1st Target Bank:
Within 90 days…approved for $100,000 unsecured credit line
60 days later…credit line was increased to $300,000
6 months later…credit line was increased to $375,000
2nd Target Bank:
Approved for a $150,000 commercial credit line
3rd Target Bank
Used credit line to get approved for a $2,500,000 624 acre retreat lodge
NO taxes • NO financials • NO income verification
SUCCESS!
Built $300K Production Studio & Doubled Business in 12 Months!
Michael was STUCK because he carried too many properties on his personal credit...
Michael J, Fix & Flips
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 Bank Approval-Readiness System™
1st Target Bank
Within 90 days...approved for a $500,000 unsecured “pledge” credit line
6 months later...credit line increased to $1,000,000
12 months later...increased again to $2,000,000 credit line portfolio
NO taxes • NO financials • NO income verification
Results...
Beat Merrill's approvals with $3,600,000 in total bank and institutional credit and is known for his fix and flip "machine" in his real estate investor community
Tom was STUCK because he didn't know how to leverage his bank balances and deposits...
Tennessee Tom, Short-Term Rentals
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 cause internal bank software to have the Branch Manager reach out and offer him a business credit line
After implementing the Bank Approval-Readiness System™
1st Target Bank:
Within 90 days…approved for an unsecured $85,000 credit line approval
180 days later…banker raised credit line to $150,000
NO taxes • NO financials • NO income verification
SUCCESS!
Continues to add short-term rentals to his thriving real estate inventory!
Community insights
What real estate investors are saying about us...
The most helpful information on truly getting funding for your business. Way more to it than trying to get a higher credit score. I’ve looked into many programs and none delivers like Merrill does! This is truly a game changer for small businesses. Understanding the playbook and how to nurture banking relationship puts you on high ground no matter what is going on. Wish I found these truths earlier but happy to be a strategic borrower now. So many opportunities are now available. I can't wait to share this with other small business owners!
- Lisa F. - Training Attendee
I highly recommend Merrill Chandler's program to everyone. The cost felt like a giveaway considering the invaluable insights gained. Merrill's exceptional guidance and education have set a high standard, and I am eager for the continued education and support on this journey. If you're aiming to become fundable for tier one business funding, this summit is a must-attend. You will not be disappointed!
- Jamie I. - Training Attendee
The Get Fundable training was worth 10 times the money at least. I learned so much about how getting fundable really works. Learning to structure your business so you can qualify for low interest lines of credit from top tier banks is worth its wait in gold. If you really want access please take the course and tap into this network of priceless information. Thank you Merrill!!!
- Mark F. - Training Attendee
This was the best training I’ve ever experienced. I’m normally a little skeptical, but when I heard Merrill at my Real Estate investor Association meeting, I had to give him a chance. I had business credit books but what he was saying was different then what I was learning. He shows the new/effective way to get Fundable and exposes the lies of the former ways. Some “Gurus” might not like him for exposing them, but if you want the truth this is where it’s at! Best money ever spent. Thank you Merrill. You’re greatly appreciated.
- Mark A. - Training Attendee
Well I just had my mind blown and overloaded with a wealth of information that was packed into two days at the Get Fundable Training this weekend. Aside from all the actionable events to come out of this, I have a sense of clarity and confidence that I will be on the right side of the curve as the economy sorts itself out. To say this is foundational knowledge is still selling it short.
-Charemilio E. - Training Attendee
Not only did I learn all about automatic underwriting (which as a commercial loan analyst never made sense to me) but I learn HOW the banks go about making such decisions. There is so much to learn from him. and all of it is incredibly ACTIONABLE! I recommend Merrill and his process without reservation!
-Mark D. - Training Attendee
Thank you Merrill & your fantastic team for your amazing education, persistence & patience with working with me to move me forward in your process to keep me moving forward through tough times. Much appreciated!
-Thomas B. - Training Attendee
The information presented in the training is superb. Frankly, it was much more than I expected. I have already gained tremendous insights on the inner workings of banks and how business credit operates, and I expect I'll gain more as I study!
-Erika U. - Client - $70,000 in Bank Approvals
And more real estate investors...
REIAs and real estate investor groups who host this workshop...
What real estate investor groups leaders have to say about us...
Max Keller,
Eddie Speed's Note School
Angelique Tinney,
Real Estate Association of Puget Sound (REAPS)
Solutions Q&A
w/Merrill
Every Tuesday at 3:30 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...
Get Fundable!
Podcast
With almost 200 episodes, the Get Fundable! Podcast does a deep dive on topics critical to your personal and business credit, financing, and funding success..
Amazon National
Bestseller
Merrill's FICO-tech inspired tell-all book is the only source on earth that exposes exactly how to become approval-ready and access highly-guarded, inexpensive lender money...
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..
Our Bank and Institutional Approvals Speak for Themselves...
This isn’t guesswork. Every step of the 5-Step Bank Approval-Readiness System™ is rooted in the insider strategies we gained from our 8+ year collaboration with FICO® teams, as well as years of successful client bank funding approvals.
93%
1st Time Approvals
It's just math. The 5-Steps works for EVERYONE who applies the formulas. Do it and you too will get the approvals that you want to level-up your life!
$1,462,000
Founder Approvals
Merrill Chandler developed this process and optimized his own personal and business profiles for outstanding results...and it will work for you too!
$300 Million+
Our Community Approvals
Our community has been wildly successful in getting approved for the financing and funding that facilitated their business growth, and time and money freedom.
Income and Result Disclaimer
While the results stated on this website are real results, they 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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