1
Mandatory Funding Requirements
You MUST meet these specific criteria before applying for any funding. Do not skip this step.
700+ Credit Score
- Personal FICO score must be 700 or higher across all bureaus.
- Utilization must be under 30% (ideally under 10%).
5-10 Primary Accounts
- Must have 5-10 open, active primary tradelines.
- Authorized User (AU) accounts do NOT count toward this total.
$2,500+ Limit Card
- At least one primary card with a limit of $2,500+.
- Demonstrates ability to manage larger credit lines.
⚠️ Critical: If you do not meet these requirements, focus on credit building first. Applying prematurely will result in denials and wasted inquiries.
2
The Application Spree (Days 1-3)
Execute these applications in a tight window to minimize inquiry impact.
Day 1: The Heavy Hitters
Amex Business CardsExperian (Soft)
Apply for 1-2 cards. Use "Apply with Confidence" to verify approval first.
- Business Platinum / Gold
- Blue Business Plus
Chase Business InkExperian
Must be under 5/24 rule. Apply for Unlimited or Cash.
- Ink Business Unlimited
Day 2: Diversify Bureaus
Barclays / SynchronyTransUnion
Target issuers that pull TransUnion to spread inquiries.
- Barclays Business
- Amazon Store Card
Bank of AmericaExperian
Great for high limits if you have a banking relationship.
- Business Advantage Cash
Day 3: The Finish Line
Citizens / KeyBankEquifax
Target Equifax pullers to complete the bureau spread.
Fintech LayerNo Impact
Add cards that don't check personal credit.
- Ramp / Divvy / Brex