Let’s clear something up: you don’t need to tank your score chasing funding. The smartest founders don’t apply blind — they prequalify strategically using soft pulls, data points, and internal score systems the banks don’t advertise. Today, I’m walking you through the exact Soft-Pull Strategy that seasoned investors use to unlock six figures in credit approvals — without adding a single inquiry. 💳 Step 1: Understand the Power of a Soft Pull A soft inquiry is a credit check that gives lenders a full picture of your profile — but doesn’t impact your score or show on your report. Most people think soft pulls are only for “checking your score,” but the real move is knowing which banks and lenders let you see your preapprovals before you apply. That’s how you line up your approvals like dominoes — no score drop, no blind denials. Here’s the insider mindset: ✅ You don’t apply first — you position first. ✅ You don’t guess — you leverage data. ✅ You don’t chase — you stack strategy. 🏦 Step 2: The Core Soft-Pull Lenders Here’s your elite-level shortlist — every serious funding strategist uses these: 1️⃣ American Express — Runs off internal data and soft pulls for existing clients. Prequalify for personal + business cards through your account dashboard. 💡 Tip: Wait 30–45 days after last statement update for the best offers. 2️⃣ Navy Federal Credit Union — Soft pulls for preapprovals (cards + LOCs). Perfect for members with at least 3 months of relationship history. 💡 Tip: Use the prequalify portal inside your account before applying. 3️⃣ BHG Money — Business and professional funding lines up to $250K, soft pull first. 💡 Tip: Their internal underwriting values income consistency over score alone. 4️⃣ TD Bank + Truist — Business LOC prequalifications with limited bureau pulls (often Experian only). 💡 Tip: Combine with 90 days of business deposits for strongest results. 5️⃣ Upstart + SoFi — Great for personal funding to consolidate or refinance debt before stacking business capital.

Type of Accounts: 🔵 What’s your credit score? 568-604 🔵 How many negative accounts? 16 🔵 How many positive accounts? 4 🔵 How many inquiries? 16 Positive Account Questions: 🔵 How many credit cards? 4 🔵 Highest credit card limit? 3500 🔵 Oldest open credit card? 1yr+ 🔵 What is your average credit card utilization? 9% 🔵 Highest loan (Mortgage, Car, Personal Loan, Etc) amount? 0 Business Questions? 🔵 Do you have a business? No Not yet 🔵 How would the info help you in this community help you grow your business or improve your life? REMOVE collection/charge offs and inquires to strengthen my profile to get my life better for my wife and son 2026 VISION

Let’s talk results. We’re seeing more and more inquiry deletions every week from people who showed up, trusted the process, and stayed consistent. This is what happens when you take action instead of waiting for “perfect timing.” If you’ve seen movement on your file, drop your wins below. Show others what’s possible. If you haven’t jumped in yet, it’s time. 📍 Community Onboarding at 1PM ET, we’ll show you exactly how to clean your file and get funding ready. 🔗 https://skool.letsgetfunded.com/fskool-group-onboarding-book 📍 Advance to our other communities! 🔗 LGF Pro - skool.com/lgf 🔗 Inner Circle - skool.com/100k

Shout to inner circle members @Deji Hambolu @Michael Charles @Trey Pinkerman for pulling up to our first in person mastermind. 👀👀👀 A lot of value was dropped and exchanged… If we threw another in person event would you pull up???