Analyzing Your Report
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Proudly made & operated in the U.S.A.
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*State registration not required for personal lending options.
*Business checking isn't required for all funding types
DO NOT use projected revenue. Revenue will be verified before funding is provided.
Personal income needs to be verifiable. Do not include cash or off-the-books payments.
Funding review
We’re reviewing the details you provided to estimate what may be available for you.
Your funding snapshot
Potential funding capacity
Preparing your matched options…
Funding paths that match your stated profile
Click a funding type to see key highlights.
Create your secure account to save this estimate and continue your funding review.
Based on the credit range and profile you provided, StartCap does not have a funding option we can offer, but you still have another option below.
Get Up To $10,000 per Funded Deal
If a partner, co-founder, or someone with stronger credit or a more established business applies in their own name and gets funded, you can earn 2% of the funded amount. Share your personal link anywhere — text, email, or especially social media. Create a partner account later with this email to track link clicks, referrals, and commission.
By creating a referral link, you agree to StartCap's Partner Terms and authorize StartCap to track referrals made through your unique link. Eligible referrals may earn a commission equal to 2% of the amount successfully funded, subject to StartCap's eligibility, attribution, payment, and compliance requirements. Creating a referral link does not create an employment, agency, brokerage, or lending relationship with StartCap. You may not make misleading claims, guarantee funding or approval, represent yourself as StartCap, or engage in unlawful or deceptive marketing.
Any claim to a commission must be made within 30 days of the referred customer's funding date; after that period, any unclaimed commission eligibility expires. StartCap may withhold commissions for fraudulent, duplicate, improperly attributed, or otherwise ineligible referrals.
Share this link anywhere. Social media is often the fastest way to reach people who might qualify.
Want to track clicks, referrals, and commission? Create a StartCap partner account later with this same email. You don't need an account to start sharing. Create a partner account
Funding requirements
Requirements vary by funding type. Here's what was missing for each path:
An account helps us protect your information and keep everything tied to you—updates, requirements, and application status.
We have a NO SPAM guarantee. We'd never do that to you, and we do not sell your information. All data is stored safely at secure facilities with end-to-end secure encryption, and will only be used to secure your business funding with your authorization.
We require SMS verification to keep our platform safe & spam-free.
We will text a 4-digit code to confirm this number belongs to you.
Your earlier estimate used self-reported credit. A full Experian, Equifax, and TransUnion report lets us build a capital stack around which bureau each lender actually pulls, in the right order. Our strategy & detailed lender database is what maximizes funding, ensures the lowest rates, and allows us to provide you with the most stackable options.
Don’t have a report from the last 30 days? Get all three reports free at AnnualCreditReport.org
What we need next
Accepted
Complete reports dated within the last 30 days that show accounts and balances from all three bureaus.
Not accepted
Credit Karma summaries, score screenshots, and score-only documents do not contain enough detail.
If you do not already have complete reports from the last 30 days, download them free:
On iPhone, open the Files app and choose the downloaded PDF. Do not photograph your computer screen.
Get all three reports free at AnnualCreditReport.orgHave one PDF containing all three bureaus? Add it below.
What happens next?
We review your credit profile, identify potential funding options, and show you what may be available. If you have questions, you can speak with a funding specialist before moving forward.
Credit review complete
StartCap identified multiple funding paths for you to compare and evaluate independently.
Funding options identified
Your options
Each option is presented independently below
Matched using your reviewed profile
Your matched funding paths
Your Next Step
To get things moving quickly, complete a full application, review our agreement, and upload your documents. This is the fastest path to funding. We'll still need to have a strategy call before moving forward.
Why having options matters
Compare each path on its own merits, then choose the option that best supports your business needs.
What happens after you continue?
A clear, guided path from these potential options to real lender offers.
These options are not a commitment, approval, or guaranteed offer. Amounts shown are potential discussable options. A StartCap representative will contact you before any credit or lender outreach begins. Final availability and terms are determined by third-party lenders through underwriting. StartCap is not a lender. Options and terms may change.
AnnualCreditReport.org does not include FICO scores. We created conservative estimated score ranges from your report data, and a StartCap specialist will review them before funding options are presented.
Your three bureau reports were received successfully. No further action is needed unless our team reaches out.
Based on your reviewed three-bureau credit profile, StartCap does not have a funding option we can offer.
Here's why we can't move forward:
Based on the information you've provided so far, you seem like a great fit.
Let's get you scheduled in with your funding specialist to go over your options with you once they're ready. This step is required to help us provide the best service to our clients.
Book a quick call with your funding specialist to review your funding options and next best steps.