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The bank said no. It was never you.

You paid on time. Your score is decent. You still got denied a business loan. The problem was a thin file, and a thin file can be built.

  • No payment
  • No credit pull
  • No obligation
Illustrated founder in a tan suit with her arms crossed
Likely pathBuilderAGT-02 and AGT-04 go first.

Sound familiar?

  • Good score. Still denied.
  • Told to come back later.
  • Nobody said what was missing.

Lenders don't fund scores. They fund thick profiles.

A score is one number. The file behind it is what a lender reads. When few accounts report, there is little to read. That is a thin file.

Two founders can walk in with the same score and walk out with two different answers.

Here is what the team does about it.

AGT-01

Find what is missing.

AGT-01 reads the whole file and flags what is blocking approval. The collections. The mismatches. The gaps.

See Phase 1
AGT-02 and AGT-04

Build what lenders read.

LLC and EIN if you need them. 15 or more net-30 vendors that report. A DUNS file and a PayDex target of 80 or higher within 4 months.

See Phase 2
DIR-00

Meet lenders that fit.

Your Director introduces you to independent lenders whose published criteria match your rebuilt file. Every decision is the lender's.

See Phase 3
Your likely pathBuilder

Your credit can carry the work. The file needs a business under it and a stack on top of it.

Book my free game-plan call
  1. Read the whole file
  2. Build the profile
  3. Lender introductions

Denied? Ask away.

If yours is not here, bring it to the call. That is what the call is for.

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See all questions

Why was I denied with a good score?

A score is one number. Lenders also read the file behind it. If few accounts report, there is little to read. That is a thin file.

Can you get the bank to change its answer?

No. Every decision is the lender's. We build the file and introduce you to independent lenders whose published criteria match it.

How long until my file is thick?

Every file is different. Once reporting vendors are stacked, the team targets a PayDex of 80 or higher within 4 months. It is a target, not a promise.

Is the call really free?

Yes. No payment. No credit pull. No obligation.

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.
Illustrated founder in a peach suit seated with both arms raised

Book your free game-plan call

2 quick taps, then your name and email.

Step 1 of 3

What do you need most?

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Business stage

Where is the business today?

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