This Is the Golden Age
of American Business.
Is Your Business Ready for It?
The capital exists. The opportunity exists. The question isn't whether funding is available — it's whether your business is positioned to access it. Most aren't. That's what CredFin was built to fix.
Free 60-min workshop · No cost, no obligation · Banks Deny. We Defy.™
"The funding system has always favored the prepared. CredFin gives every entrepreneur that preparation."
fixable credit profile issues
right now — FY 2025 record
they need — or nothing
— they fear the answer
Most Business Owners Are Playing a Game
Without Knowing the Rules
Lenders don't just look at revenue and time in business. They evaluate your entire business credit profile across three commercial bureaus — and most business owners have never seen what that profile says about them.
- You've been declined without a clear explanation
- You're using personal credit to fund a business — risking everything you own
- You don't know what Dun & Bradstreet, Equifax Business, or Experian Business says about your company
- You've heard "come back in a few months" with no guidance on what to actually fix
- You're submitting applications to multiple lenders, damaging your credit score each time
- You need capital to grow, hire, or survive — and the window keeps closing
Lenders Decide Before
You Ever Walk In
Before a human ever reviews your application, an automated system evaluates your business credit profile across three bureaus. If that profile has errors, gaps, or misaligned data — you're declined before the conversation begins.
That's not a reflection of your business. It's a reflection of your profile. And profiles can be fixed.
That's exactly what CredFin was built to do — and why we don't submit clients to lenders until they're Funding Ready™.
Banks Deny. We Defy.™
"Two hundred and fifty years ago, American founders pledged everything to the idea of freedom. Today, that same spirit lives in every small business owner who takes a risk to build something of their own. CredFin's mission is to make sure they have the funding to do it."
As an original investor on ABC's Shark Tank and the pioneer of the modern infomercial, Kevin Harrington has helped build businesses that generated over $5 billion in global sales. He understands, better than almost anyone, that the difference between a business that scales and one that stalls is often access to capital at the right moment.
Kevin's partnership with CredFin is built on a shared conviction: American entrepreneurs deserve a clear, transparent path to the capital that fuels the Golden Age of American business. Not a lucky break. A system.
Ray A. Smith & Kevin Harrington — Live on Fox Business Network
The Funding Ready™
+ Lender Match System
Three steps. One mission: make your business irresistible to lenders — before you ever submit an application. We don't match you to lenders until you're Funding Ready.
Fix What
Lenders See
Before any lender evaluates your business, they pull your profile across all three commercial bureaus. Most business owners have never seen these reports — and they're full of fixable problems.
- Full audit across D&B, Equifax Business, and Experian Business
- Identify errors, outdated records, and missing trade lines
- Entity structure and business credibility alignment
- Correct what causes automatic declines before you apply
- Your Funding Ready Score™ — so you know where you stand
Build the Profile
Lenders Want to Fund
A strong business credit profile isn't an accident — it's built deliberately. We map your path from where you are to where lenders need you to be, using your EIN, not your SSN.
- Trade line strategy by business stage and industry
- EIN-only credit building — protect personal finances completely
- Vendor accounts that report to all three bureaus
- Payment optimization for score growth across all bureaus
- Ongoing Bureau Insights™ monitoring and Funding Manager™
Match to
the Right Lenders
Once you're Funding Ready™, we open the door to our full lender network. Not a blanket submission that damages your score — a precise match to lenders whose specific criteria you now meet.
- 40+ funding programs — SBA, alternative, traditional, credit lines
- Matched by industry, profile, and stage — not guesswork
- No applications submitted until you're positioned to be approved
- $50K to $1M+ in potential funding access
- Personalized roadmap with timing and sequencing
The Three Bureaus Every Lender
Checks Before Saying Yes
Your business has a credit file at three separate commercial bureaus. Most business owners have never seen any of them. Lenders have seen all three. That information gap is what CredFin closes.
What Lenders See
- PAYDEX Score (0–100) — your payment history to suppliers
- Delinquency Predictor Score — likelihood of late payment
- Financial Stress Score — probability of business failure
- D-U-N-S Number — your business identity in the D&B system
- Trade payment history and public filings
What Lenders See
- Business Credit Risk Score (101–992) — default risk rating
- Business Failure Risk Score — closure probability
- Payment Index — how quickly your business pays obligations
- Credit utilization across business accounts
- Owner's personal credit linked to the business record
What Lenders See
- Intelliscore Plus (1–100) — comprehensive credit risk score
- Financial Stability Risk Rating — near-term default prediction
- Trade payment trends across supplier accounts
- Public records: liens, judgments, bankruptcies
- Business demographics and industry risk classification
The Door to 40+ Lending
Programs Opens
CredFin maintains access to a nationwide network of lenders across every major loan category. We don't submit you to any of them until your profile is positioned to be approved. When the time comes — the match is precise, not a gamble.
Startup or enterprise. EIN-only or secured. SBA or alternative. The right lender at the right time based on your actual credit profile. That's the CredFin difference.
SBA Loans
Government-backed, competitive rates, ideal for growth & real estate
Business Lines of Credit
Flexible revolving access — draw, repay, repeat
Equipment Financing
Asset-backed, terms structured around useful life
Startup Financing
Capital for new businesses with limited credit history
Working Capital
Fast access for operations, payroll, and inventory
Commercial Real Estate
Purchase, refinance, or develop commercial property
Alternative Lending
Cash-flow based — for businesses banks pass on
EIN Credit Lines
600+ business credit lines — no personal guarantee
Where Clients Start.
Where Clients Finish.
This is what changes when a business goes through the Funding Ready™ system.
Before Funding Ready™
- Declined for funding without knowing why
- Using personal credit and personal guarantees
- Bureau profiles with errors lenders see but you don't
- Submitting to multiple lenders, damaging credit score
- Overwhelmed, uncertain, and navigating blind
- Waiting months between rejections with no clear path
After Funding Ready™
- Positioned for $50K–$1M+ in funding — before applying
- Building credit under your EIN — personal finances protected
- Clean, accurate profiles across all three bureaus
- Matched precisely to lenders whose criteria you meet
- Clear strategy, timeline, and next steps at every stage
- Funded — and continuing to build stronger credit for the future
The Numbers
Speak for Themselves
These are actual outcomes from business owners who went through the Funding Ready™ system.
We secured $400K in 45 days thanks to this system. I didn't know any of this was possible before the workshop.Lisa T. Retail Owner
I stopped using personal credit entirely and got $250K in business funding. My personal finances are completely protected now.James W. Contractor
By early July my company had secured $500,000. Their services are the real deal — they helped us make payroll. I don't know what else to say.Keith B. Houston, TX
The Free Workshop That
Changes How You See Funding
60 minutes with Ray A. Smith and Kevin Harrington — live, free, and designed to show you exactly what lenders see and precisely what to do about it. Most business owners leave this workshop understanding for the first time why they've been declined.
What Business Owners
Ask First
The Golden Age of American BusinessBelongs to the Builders
Two hundred and fifty years ago, America was built by people who refused to accept limitations. Today, that same spirit drives every entrepreneur who bets on themselves. CredFin's mission is to make sure they have the capital to win.