Track B
We can still help. That help is a disclosed credit partner, an aged / shelf corporation, or both. It is not a way to hide who you are from a lender.
We are not a lender. Programs are subject to underwriting, documentation, and approval. Credit partners and aged entities, when used, must be disclosed.
Option 1
Someone with stronger personal credit can join the file. They are on the application. They take a small percentage of the transaction for that risk. Underwriting partners see them. You see them. There is no silent signer in the next room.
A credit partner is a person with a name, a credit file, and a contract. If that idea makes you uncomfortable, say so on the call. We will not talk you into a structure you will not own in daylight.
Option 2
You can purchase an entity that already has seasoning so the company file has time in business. It is a real corporation, not a costume. Control, purchase, and history have to be disclosed to the underwriting partner.
This desk will not sell you an aged entity as a way to tell a lender you have been operating that company for years if you have not. Seasoning is a fact about the entity. Your operating story is a separate fact. Both get told.
Track B exists because a lot of good operators are newer than three years, or they have a credit event that does not match the shop they run. The answer is not “invent history.” The answer is a partner and/or an entity, named, contracted, and shown.
We will map which tool fits on the fit call. Sometimes it is only a credit partner. Sometimes it is only an aged corporation. Sometimes it is both. Sometimes the honest answer is that this office is not a fit yet.
If you are not open to either tool, and you are not Track A, we will not book you into a process we cannot run. That is in the qualifier on purpose.
Next step
Fifteen minutes. No theater. We map Track A or Track B, or we tell you this desk is not the right room.
We are not a lender. Programs are subject to underwriting, documentation, and approval. Credit partners and aged entities, when used, must be disclosed.