13d (edited) • General discussion
What I learned getting a client approved for 100k
Here are a few things most people misunderstand.
1. Credit profile matters more than credit score
This client had a charged off account.
About $2,500. Around 3 years old.
On paper that scares people.
But the rest of the profile was strong.5 years of history.
Perfect payment history overall.
8 credit cards with roughly 100k in total limits.3 personal loans, all paid on time.
They barely cleared the cutoff with a 695, but the profile carried them.
2. Business financials increase fundability
They had tax returns.
That alone helped waive some requirements.
Not always mandatory, but it absolutely helps when you have it.
3. Existing banking relationships matter more than people think
Applying with a new bank?
Large deposits and real account activity make a difference.
Banks like familiarity.
They like motion.
Most people focus on one piece and ignore the rest.
That’s why they get stuck.
If you’ve been close but keep getting told no, it’s usually not one thing.
It’s the full picture.
👉 Curious which part of your profile is actually holding you back?
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What I learned getting a client approved for 100k
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