ARD 352 CREDIT SOLUTIONS
Funding Readiness Scorecard
The exact 13-gate assessment banks use to decide your funding limit.
Part 1: Personal Credit Gates (7 items)
Answer each honestly. Your total score determines your funding tier.
1
FICO Score
Threshold: 700+ (730+ for predictable outcomes)
2
Highest Card Utilization
Threshold: Below 30% on every card (below 10% optimal)
3
Total Credit Accounts
Threshold: Minimum 4 accounts on personal report
4
Average Credit Age
Threshold: 2+ years (4+ preferred)
5
Late Payments Last 24 Months
Threshold: Zero
Select
None
1 late
2+ lates
6
Negative Items (collections, charge-offs, bankruptcy)
Threshold: Zero
Select
None
1 negative
2+ negatives
7
Highest Card Limit
Threshold: $10K+ card OR $15K+ total revolving
Part 2: Business Entity Gates (6 items)
8
LLC Age
Threshold: 30+ days (2+ years unlocks BLOCs)
Select
No LLC yet
Under 30 days
1-6 months
6-12 months
1-2 years
2+ years
9
LLC Registered in Home State
Home-state OR foreign entity filing done
Select
Yes, home state
No, different state
10
Professional Email + Website
info@yourbusiness.com + live business site
Select
Both live
Email only
Neither
11
DUNS Number Issued
D&B DUNS number obtained (free at dnb.com)
Select
Yes, issued
No / unsure
12
Zero Negative Business Credit History
No liens, defaults, or business collection items
Select
Clean or new LLC
Has negatives
13
Business Info Consistency
Same address across state, NAV, DUNS, Experian Biz, Equifax Biz
Select
All consistent
Mostly consistent
Not verified
CALCULATE MY READINESS SCORE
YOUR FUNDING READINESS SCORE
0/13
BOOK MY FREE STRATEGY CALL →