Start My Business Inc. · Free tool
Pick the model that describes you, then answer about 15 quick questions. We show what makes your business look unfundable to an underwriter, ranked by how much it hurts, with the steps to fix each one yourself or have us do it.
Watch: how the Unfundable Fixer works
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There are 7 models, each with its own questions and scoring. Pick one to start; you can switch any time and each model keeps its own answers and results.
Fixed the basics? Run the Funding Matcher to see which funding fits you now and the order to apply in.
Before a lender reads a credit report, its systems check that the business looks real and consistent: a commercial address that is not a mailbox (CMRA), a business phone listed with 411, a website on your own domain with privacy and terms pages, matching name and address on your state filing, IRS EIN record, bank and Dun & Bradstreet file, and a company in good standing. One mismatch can cause an automatic decline that nobody explains.
The Unfundable Fixer checks your answers against those items, which map to the 45 compliance points in every Start My Business build-out, plus the personal credit items a guarantor is judged on.
It means a lender's checks would decline the business before anyone weighs the application, usually because something about the address, phone, records or credit file fails verification.
Yes. Every item comes with do-it-yourself steps. If you would rather have it done for you, each one also points to the service that covers it.
Often, yes. Many virtual offices and UPS-style stores are flagged as CMRA addresses by the USPS, and many banks decline CMRA-flagged addresses. A verified commercial address that is not CMRA avoids that.
No. Where a lender asks for your Social Security number, use your own. We never recommend misstating anything on an application.
Have a free dashboard account? Run it from My Account and your results are saved with your profile. Or try the Funding Matcher.