Get Your Business Funded Without Paying A Cent Until The Money Lands Even With Bad Credit

1,000+ credit files repaired over 30 years. You don't pay until the capital lands.

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How much can your business actually get funded?

Sixty seconds to find out how we answer that, and what it costs you to ask.

Click anywhere to move forward
You need capital

You applied. They said no, or nowhere near enough

Payroll, inventory, equipment, the next hire. The money exists. You just keep getting handed the wrong answer.

Why you got denied

The bank wasn’t looking at your business. It was looking at your file

30%
Of your score
Is card utilization. Maxed cards, denied file.
0
Lenders like inquiries
Recent shopping reads as risk.
1
Late payment
Enough to signal you can’t service a loan.
What we do

We find every dollar your file supports, then go get it

You pay nothing to find out. You pay nothing while we structure it. You pay nothing until the capital lands in your account.

What funding looks like

Lines, working capital, and term debt

0%
Intro credit lines
12–21 months, subject to approval.
Cash flow
Working capital
Against your bank statements.
SBA
Express term loans
For longer, cheaper money.
Stacked
Multiple lenders, one sitting
So inquiries don’t leak value.
How fast

Some of it moves the same day

24–48h
Working capital offer
Send 4–6 months of statements.
Same day
Credit line approvals
If the file checks out.
3–7
Days to cards in hand
Approved lines arrive.
2–3
Weeks, term loans
SBA Express runs 7–10 days.
Three guarantees

We took the risk off your side of the table

You don’t pay until you’re funded
10% of what we raise. Billed after it lands.
No raise, no invoice
We carry that risk, not you.
Your score is never touched to start
Soft view only. Zero hard inquiries.
The free call

You leave with a funding blueprint

The honest number
A real range, based on funded files.
Every route open to you
Lines, cash flow, collateral, SBA.
The order of operations
What to do first. What to stop today.
No inquiry, no obligation
Yours to keep either way.
If credit is the obstacle

We fix it, or we route around it

Revenue in the bank
Cash-flow lending doesn’t need a clean file.
A home, vehicle or crypto
Collateral opens its own doors.
Or we repair first
Most files move inside 45 days. Six months, max.
And if bad-credit terms would cost you more than waiting, we say wait.
No entity yet

We’ll build the business for you

The right structure
LLC, S corp, C corp or partnership.
Your EIN
Walked through it, not handed a link.
A bank worth building with
That relationship becomes financing.
Personal and business, split
Leverage under the EIN. Your score stays clean.
What it costs

Ten percent. After you’re funded

Funding: 10% of what we raise
Invoiced after the capital is in your hands.
Credit repair, if needed
A disclosed fee. You get the number on the call.
Entity setup
One state fee, one small fee. Flat.
No retainers. No minimums. No charge for the call or the blueprint.
Who you’re dealing with

Thirty years of doing only this

30
Years in credit and capital
1,000+
Files worked
$0
Owed until you’re funded
Before-and-after proof and references on request.
Read this carefully

What this is not

Not a promise of $100K
The lender decides the number, not us.
Not an upfront-fee broker
We don’t take money and vanish.
Not a hard credit pull
Phase one never touches your score.
Not a predatory loan shop
We won’t push ugly terms for a commission.
Not a course or a PDF
We do the work.
Questions

Answered before you ask

Will this hurt my score?
No. Soft monitoring, not an inquiry.
What if you can’t get me anything?
You owe nothing. That risk is ours.
How much can I actually get?
Depends on the file. You get a real range on the call.
I’ve been burned before.
Ask for proof and references. You should ask everyone that.
Who we’re not for

We’d rather tell you now

You want a guaranteed number up front
Nobody honest can give you that.
You need cash this afternoon
Lenders still need documents.
You’ll keep maxing the cards
We can’t win it if you reload it behind us.
Last slide

Find out what you qualify for

Twenty minutes. No cost, no credit pull, no obligation.

Book Your Free Capital Call
Your credit. Our priority.
Book Your Free Capital Call

20 minutes. No cost. No credit pull. No obligation.

Our services

Improve your credit score

We clean up your personal credit file so you can qualify for the rates that make a car loan or a mortgage affordable — not just approved.

Book Your Free Capital Call
  • Full three-bureau report review
  • Disputes on inaccurate items
  • Utilization and payment coaching
  • Monthly progress updates

Why choose us

🧠

Expert guidance

You work with people who do this every day. We walk you through credit repair and funding step by step, so nothing is a mystery.

📝

Personalized plans

No two credit files look alike. Your repair and funding plan is built around where you actually stand and what you're trying to buy.

Book Your Free Capital Call

Additional services

Build a strategy

Credit consulting

Turn a healthy credit profile into real leverage — and use it to build wealth rather than just borrow.

Boost your score

Credit tradelines

Add seasoned tradelines to lift your score and unlock better terms when it's time to apply.

Leverage information

Business consulting

Learn how lenders actually decide, and which tools and timing get your business funded.

Book Your Free Capital Call

What our clients say

“I honestly couldn’t be happier with the results!”

When I first started working with Islandwide Credit, I was frustrated with my credit and didn’t know where to start. They took the time to explain everything, helped me understand what was hurting my credit, and kept me updated throughout the entire process.

The results were beyond what I expected. Seeing negative items come off my credit report and watching my score improve was an incredible feeling. I went from feeling like I was stuck to actually feeling confident about my financial future.

If you’re serious about improving your credit, I highly recommend Islandwide Credit. They really care about their clients and the results speak for themselves!

DS
Damien SykesPersonal credit repair

“Islandwide Credit helped me take my business to the next level!”

I came to Islandwide Credit because I needed funding for my business, but I wasn’t sure if I would even qualify. I had applied for financing before and either got denied or wasn’t offered the amount I needed.

Jon and the Islandwide Credit team took the time to understand my business and helped me get everything in order. They guided me through the process and made something that felt overwhelming actually feel manageable.

The best part? I GOT APPROVED FOR BUSINESS FUNDING!

I’m extremely grateful for the help and would absolutely recommend Islandwide Credit to any business owner looking to improve their credit profile and explore funding opportunities.

CP
Chuck PetersonBusiness funding

Experience that matters

30Years in credit and capital
1,000+Credit files repaired
$0Owed until you're funded

Ready to fix your credit or get funded?

Book a short call and we'll tell you exactly where you stand and what it takes to move.

Book Your Free Capital Call

© 2026 Islandwide Credit. All rights reserved.

Results vary by credit profile. Islandwide Credit does not guarantee approval, funding amounts, or specific score increases.