Did the bank say no?
You paid on time and still got denied a business loan. It was never you. It was a thin file.
See whyBanks said no? We build you to a yes.
Detroit-built business credit buildout for founders the banks turned down. A specialist AI team builds your profile thick. Independent lenders make every funding decision.
- No payment
- No credit pull
- No obligation
Your buildout file
IN BUILDOUT
File thicknessGetting thick
AGT-01Intake & FundabilityWhole file readDone
AGT-02Entity & ComplianceLLC, EIN, listingsDone
AGT-03Bureau MonitoringBusiness bureaus watchedLive
AGT-04Tradelines & OrderingNet-30 vendors stackingWorking
AGT-05Documents CenterLender fileQueued
AGT-06Payment AssistantOn-time scheduleQueued
DIR-00Human DirectorReviews every phaseOn it
Illustration of the buildout method. Not a live account.
- 6AI specialists
on your file - 1human Director
running the team - 3bureaus in every
dispute round - 15+reporting net-30
vendors stacked
One founder. Seven specialists on your file.
Where are you starting from?
Is old credit damage in the way?
Collections and errors block approvals. The team disputes across all 3 bureaus, round after round.
See the cleanup
Starting with just an idea?
No LLC. No EIN. No problem. The team sets the business up right and builds the file from zero.
See the buildout
Already in business?
Stack vendors that report. Get your documents lender-ready. Meet lenders that fit your file.
See introductionsSame score. Different file.
Here's the tea ☕ Lenders don't fund scores. They fund thick profiles. Two founders can walk into the same bank with the same number and walk out with two different answers.
The thin file
Still invisible.
Good score. Nothing behind it.
- Credit score
- 700
- Accounts reporting
- 2
- Vendor history
- None reporting
- Business bureaus
- Nothing on file
- What the lender sees
- A guess
Two sheets. Easy to pass on.
The thick file 👑
Built to be read.
Same score. A whole story behind it.
- Credit score
- 700
- Accounts reporting
- 15+
- Vendor history
- Paid on time, monthly
- Business bureaus
- DUNS file, PayDex score
- What the lender sees
- A track record
A whole stack. Hard to ignore.
So which file is yours? Find your starting point.
620, 720 or 820. Your score is the starting line, not the ceiling. Four taps and you will see where the team would begin on your file.
- 4 questions
- No credit pull
- Nothing to type until the end
Start your buildout.
Three phases. One team on your file the whole way. All gas. No breaks.
Screens below illustrate the method. Every file is different.
Phase 1Clean the file
Find what is blocking you.
AGT-01 reads your whole file before anything gets built. The collections. The mismatches. The gaps. Then the disputes go out across all 3 bureaus. Unlimited rounds.
You get a removal strategy and a score-movement report every 30 days. This is business credit repair, Detroit style. No guessing.
See who does this workBook my free game-plan callFree. No credit pull.
Phase 2Build the profile
Make the business real on paper.
No LLC? No EIN? The team sets them up if you need them. Then AGT-02 lines up the listings, records and licenses that lenders cross-check.
EIN-based business credit starts here. Set up right the first time.
See it on a sample fileStack what lenders count.
AGT-04 orders net-30 vendor accounts that report. 15 or more, stacked in a smart order. That builds your DUNS number file and your PayDex score.
The target is a PayDex of 80 or higher within 4 months. This is how you establish business credit that stands on its own.
Meet AGT-04Be ready before they ask.
AGT-05 keeps your lender file organized. Business plan. Personal-guarantee documents. Authorized-user records. All of it waiting.
AGT-06 runs the payment schedule so every account reports on time. The profile compounds instead of slipping.
Read the common questionsBook my free game-plan callFree. No credit pull.
Phase 3Lender introductions
Meet lenders that fit your file.
When the file is thick, your Director introduces you to independent lenders whose published criteria match it. A business line of credit. A business card. A term loan. In the business name.
Some lenders offer no-personal-guarantee options. Where they do, we point you to them. Every decision is the lender's.
Ask about your file
Book my free game-plan callFree. No credit pull.
One founder. Seven specialists on your file.
This is how you build business credit in Michigan without living on hold. A specialist AI team runs every phase of the buildout. A human Director runs the team. It never sleeps on your file.
AGT-01 Intake & Fundability
Reads the whole file.
Finds exactly what is blocking approval before anything gets built. The collections. The mismatches. The gaps.
AGT-02 Entity & Compliance
Makes the business real on paper.
LLC and EIN if needed, listings, records, licenses. Everything lenders cross-check, set up right the first time.
AGT-03 Bureau Monitoring
Watches the bureaus. Always.
Continuous monitoring of the business credit bureaus. Nothing changes on your file without the team knowing.
AGT-04 Tradelines & Ordering
Stacks what lenders count.
Automates net-30 vendor account ordering and strategic tradeline stacking. That builds the DUNS and PayDex score profile.
AGT-05 Documents Center
Ready before they ask.
Business plans, personal-guarantee docs, authorized-user records. The supporting file lenders request, organized and waiting.
AGT-06 Payment Assistant
Only ever reports strength.
Orchestrates on-time payment schedules across every account, so the profile compounds instead of slipping.
DIR-00 Human Director
A real person runs the team.
Reviews every phase, makes the judgment calls, and takes your game-plan call.
A potential client example
Meet Maya.
Hypothetical founder · Detroit
Maya runs a mobile beauty studio, a Metro Detroit small business. 640 score. Bills paid on time. The bank still said no.
Here is how her file would move through the buildout.
-
Phase 1
The team cleans her file.
AGT-01 reads the whole thing. It flags two old collections and an address mismatch. Disputes go out across all 3 bureaus. Maya gets a score-movement report every 30 days.
-
Phase 2
The team builds her profile.
AGT-02 sets up her LLC and EIN. AGT-04 orders net-30 vendor accounts that report. AGT-06 keeps every payment on time. The target is a PayDex of 80 or higher within 4 months.
-
Phase 3
Her Director makes introductions.
The Director reviews the rebuilt file. Maya meets independent lenders whose published criteria fit it. Every decision is the lender's.
Maya can't control the lender's answer. She can control what the lender sees.
Example shown for illustration. Results depend on your profile and independent lenders' decisions.
We know through experience.
- What a thin file costs a founder.
- What lenders read before they decide.
- The order the work has to happen in.
Straight talk before you book.
What you will never hear from us
- Guaranteed approvals.
- Overnight fixes.
- That the lender's decision is ours.
What you will hear from us
- What is blocking your file.
- What gets built, and in what order.
- What moved. Every 30 days.
- That every decision is the lender's.
Still got questions?
Good. Asking is how you take control. If yours is not here, bring it to the call.
Book my free game-plan callIs ThickAFCredit a lender?
No. We build your file. Independent lenders make every funding decision. When your file is ready, your Director introduces you to lenders whose published criteria match it.
What happens on the free game-plan call?
You talk with a human Director about where your file stands and what a buildout would look like for you. No payment. No credit pull. No obligation. We reply within 1 business day to schedule.
My credit is rough. Can you still work with me?
Yes. A rough score is a starting line, not a stop sign. The team runs unlimited dispute rounds across all 3 bureaus, builds a removal strategy, and sends you a score-movement report every 30 days.
I don't have an LLC yet. Is that a problem?
No. If you need an LLC and an EIN, the team sets them up as part of the buildout. That is the first step to establish business credit in the business name.
What does the AI team actually do?
Six AI specialists each own one phase: intake, entity setup, bureau monitoring, tradelines and ordering, documents, and payments. A human Director reviews every phase and makes the judgment calls.
How long does a buildout take?
Every file is different. Once reporting vendors are stacked, the team targets a PayDex score of 80 or higher within 4 months. It is a target, not a promise.
Will I need a personal guarantee?
That is the lender's call. Some lenders offer no-personal-guarantee options. Where they do, we point you to them.
Do you only work with Detroit businesses?
We are Detroit-built. We work with founders across Metro Detroit, Grand Rapids, Lansing, all of Michigan, and the US.
Three steps to get started.
-
1
Book your free game-plan call
No payment. No credit pull. No obligation.
-
2
Talk with your Director
A real person replies within 1 business day to schedule.
-
3
The team starts building
Seven specialists get on your file.
Walk back in with a thick file.
It starts with one free call. A real person. A real plan for your file.
A file gets thick with time. The sooner the first vendor reports, the sooner it counts.
- You talk with a human Director
- We reply within 1 business day
- Detroit-built. Open to founders across the US.
Your game-plan call request is in.
Your Director will reply within 1 business day to schedule. No payment. No credit pull. No obligation.
Find my starting point while I waitYour form is open. Close it to see it here again.