Personal credit holding you back
High utilization, late payments or inaccurate negative items drag down the score most lenders check first.
Clean, previously unused corporations and LLCs, transferred to you with the original formation date on record.
Entity age isn't operating history
The formation date and ownership change are on public record. We recommend disclosing both accurately on every credit application.
View current inventoryBuild the commercial and personal credit picture underwriters review.
Not sure where you stand?
A free consultation is a conversation about your goals and the next sensible step. It isn't an underwriting review.
Schedule a free consultationWhen your profile is ready, we help you find the product and lender that fit it.
No approvals are promised
Lenders make every final decision, and many also weigh revenue, cash flow and existing debt. We work on the factors you can control.
Explore fundingFulfillment and referral relationships for brokers, consultants and corporate service providers.
Who we work with
Funding brokers, credit consultants and corporate service providers who prepare clients before they submit.
Partner with TLAPlain-language guides to business credit and funding preparation.
Prefer to talk it through?
Speak with a specialist about your situation and the right starting point.
(818) 860-4465Most denials aren't about your idea. They come from gaps in personal credit, business setup, commercial credit history or banking that lenders spot in minutes. Our Funding Readiness Audit finds every one of those gaps, tells you plainly whether you're ready to apply, and shows you what to resolve first.
Takes about 15 minutes · progress saves as you go
Lenders judge every application on four things:
Every application can mean a hard inquiry, and every denial makes the next one harder. These are the gaps we see stop owners most often — usually without them knowing.
High utilization, late payments or inaccurate negative items drag down the score most lenders check first.
Your name, address or phone don't match across the IRS, state filings, bank and listings — an instant red flag.
No D-U-N-S number, no reporting accounts, no payment history — so there's nothing for an underwriter to approve.
Many products require a minimum time in business, and new entities get auto-declined. An aged shelf company can help you meet that requirement.
Low average balances, a young bank account or past banking problems quietly lower your limits.
Stacked MCAs or high balances change how lenders read your ability to repay.
The audit turns funding from guesswork into a plan. You'll know what's hurting you, what to fix first, and which funding fits your profile once you do.
Start my Funding Readiness AuditWithout an audit
With the Funding Readiness Audit
The audit reviews your business the way a lender will see it. It's a full business credit audit that finds what a lender would find, before the lender finds it.
Your business as a records entity. Personal credit is excluded from this score.
How lenders will judge your credit, cash flow and request.
Your Funding Readiness Audit is a branded, confidential report built from your own records. Every finding is tied to what your documents and bureau files show, and every item is marked with a clear status.
Find out why — and what to change before your next application.
Make sure nothing in your file triggers a decline or low limit.
Learn how to build a lender-ready profile from day one.
See what's capping your approvals and how to raise them.
About 15 minutes. Answer questions about you, your business, banking and credit, and upload what you have.
Review your answers and confirm your audit at secure checkout.
A TLA specialist reviews every factor lenders evaluate.
Receive your report — first three actions, scorecard and corrective roadmap — and work it in order.
“I am extremely grateful for the knowledge and business services provided by Tradeline Associates Inc. Their expertise helped me understand the importance of business credit.”
This intake collects the business, credit, banking and financial information we need to complete your audit. Your progress is saved on this device, so you can come back to it anytime.
Still unsure? Call us — we'll walk you through it.
Talk to a specialist(818) 860-4465It's a fundability and lender-preparation diagnostic — “underwriting before the underwriting.” We review your business the way a lender will: legal and identity records, the commercial credit bureaus, public records and UCC filings, banking and financial documents, the personal guarantor file and funding product fit. You get a report showing what already passes, what needs improvement, what requires action and what is still pending — and the order to address it.
Most denials come from problems owners don't know they have. The audit shows you exactly what an underwriter will see, so you can resolve those issues first and apply for funding that fits your profile — instead of collecting denials and hard inquiries.
Yes — that's one of the best times to do it. The audit pinpoints what likely caused the denial and what to change before you reapply.
Only when your file supports one. We don't publish a composite score on an incomplete file, because it would misrepresent your business. Every item is still rated, and a composite score can be issued at reassessment once the key corrections are complete.
The audit identifies each issue and the correction path to use. Making the corrections — documents, account updates, bureau and bank communications — stays with you or the relevant bank, bureau or professional. TLA can help with certain corrections, business-credit building or reassessment under a separate engagement.
No. The Funding Readiness Audit is a fundability and lender-preparation analysis — not a loan application, commitment or promise of financing. Final decisions are made by lenders and financial institutions.
You'll see the one-time audit fee on the final step of the intake, before you pay anything. There's no obligation to continue.
About 15 minutes. Your progress saves on your device, so you can stop and come back.
No. Upload what you have. Items marked “If Available” are optional, and if you've already sent us documents, only upload what's remaining.
That's common. Enter “I Don't Know” and we'll look them up as part of the audit.
Your intake is stored privately in our system, not in email. Uploaded documents sit in an access-controlled folder only our team can open, and any passwords you share are encrypted.
Real reviews from business owners we have worked with, published on Trustpilot.
“Tradeline associates was one of the best choices I've made in a long time. I am very happy and pleased with the results. And I am thankful that I made them the choice to go with”
“It has been excellent pleasure working with Jared so far. He is very knowledgeable, informative and he does exactly what he saids he will do. He keeps you updated along each phase process. He does excellent/professional business!”
“It has been a pleasure working with your company, you do what you say and in this industry it's the most important thing. Jerrad has been great from start to finish and I'm looking forward in continue doing business with him! Thanks for being knowledgeable and honest!”
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