Your funding order
The Capital Recipe
What you want, what you already have, which lender comes in what order, what has to be true before each one, and what you do after each answer. All on one page.
Before you apply: is a home purchase or refinance coming in the next 12 months? We do not know, and it changes this page. If one is, ask your loan officer before any application here. If it is less than six months away, our precaution is to hold these applications until that loan closes.
010% business card
Chase Ink Business Unlimited
Not open yetYou do not bank here today.
- What it is for
- Purchases at 0% for a limited time
- Report it reads
- Experian (our database, May 2025)
What it waits on It waits on your Experian report: its 2 recent hard inquiries are down to one on January 2, 2027, its FICO is 668 against the 700 practitioners look for, and its negative items are not yet deleted, corrected or answered.
Particular to Chase
Chase counts the personal cards you opened in the last 24 months: new accounts, not inquiries or loans. Most business cards do not add to it; a Capital One, Discover or TD Bank business card reports on your personal reports and does. Chase still reads the count when you apply for one online (practitioners, 2025 to 2026). A Chase banker is a second way to apply. Practitioners report applications through a banker going through above five new personal cards in 24 months, where online the count is read. Keep it at four or fewer, so the online route stays open.
020% business card
Truist Business Credit Card
Not open yetYou do not bank here today.
- What it is for
- Purchases at 0% for a limited time
- Report it reads
- Equifax (our database, May 2025)
What it waits on It waits on your Equifax report: its FICO is 652 against the 700 practitioners look for, and its negative items are not yet deleted, corrected or answered.
030% business card
Elan Financial Business Zero+ Visa, through Desert Financial Credit Union
Not open yetYou do not bank here today.
- What it is for
- Purchases at 0% for a limited time
- Report it reads
- TransUnion (our database, May 2025)
What it waits on It waits on your TransUnion report: its FICO is 661 against the 700 practitioners look for, and its negative items are not yet deleted, corrected or answered.
040% business card
American Express Blue Business Cash Card
Not open yetYou do not bank here today.
- What it is for
- Purchases at 0% for a limited time
- Report it reads
- Experian (our database, May 2025)
What it waits on It waits on round 2, after Chase. It reads the same report as Chase (Experian), and this plan puts one hard inquiry on a report per round.
050% business card
Wells Fargo Signify Business Cash
Not open yetYou do not bank here today.
- What it is for
- Purchases at 0% for a limited time
- Report it reads
- Experian (our database, May 2025)
What it waits on It waits on round 3, after American Express. It reads the same report as American Express (Experian), and this plan puts one hard inquiry on a report per round.
06Line of credit
Sonoran Community Bank Business line of credit
Not open yetYou have banked with Sonoran Community Bank for about 14 months. That helps the conversation. It does not make you eligible.
- What it is for
- Cash to draw and repay, approved on your documents
- Report it may pull
- Not known. Ask the lender.
What it waits on It runs on its own clock, not on the card rounds: your company is 17 months old, and a line is a real conversation at 24 months, which is May 2027. Have these together by then: twelve months of business bank statements plus year-to-date financials or a filed return.
07Secured line of credit
Bank of America Business Advantage Credit Line Cash Secured
Not open yetYou do not bank here today.
- What it is for
- Cash to draw and repay, backed by collateral
- Report it may pull
- Not known. Ask the lender.
What it waits on You clear what Bank of America publishes for this line today. It is secured by your own deposit, and the deposit sets its size, so the deposit is what it waits on.
08Line of credit
Wells Fargo BusinessLine line of credit
Not open yetYou do not bank here today.
- What it is for
- Cash to draw and repay, approved on your documents
- Report it may pull
- Not known. Ask the lender.
Published minimum you are below Wells Fargo publishes a typical FICO Score of at least 680 for this product. Your supplied FICO Scores: Experian 668, Equifax 652 and TransUnion 661. All three are below the published typical guideline. Wells Fargo may read a different version of the FICO Score, which can come out higher or lower than these.
What it waits on What it waits on is what Wells Fargo publishes and your file does not show yet. Wells Fargo publishes a typical FICO Score of at least 680 for this product. Your supplied FICO Scores: Experian 668, Equifax 652 and TransUnion 661. All three are below the published typical guideline. Your company is 17 months old, and a line is a real conversation at 24 months, which is May 2027.
09Line of credit
Bank of America Business Advantage Credit Line
Not open yetYou do not bank here today.
- What it is for
- Cash to draw and repay, approved on your documents
- Report it may pull
- Not known. Ask the lender.
Published minimum you are below Bank of America publishes a minimum of 2 years in business for this product. Your company is 17 months old, 7 months short. Bank of America publishes a minimum of $100,000 in annual revenue. You reported $58,000. Bank of America publishes a typical FICO Score above 700 for this product. Your supplied FICO Scores: Experian 668, Equifax 652 and TransUnion 661. All three are below the published typical guideline. Bank of America may read a different version of the FICO Score, which can come out higher or lower than these.
What it waits on What it waits on is what Bank of America publishes and your file does not show yet. Bank of America publishes a minimum of 2 years in business for this product. Your company is 17 months old, 7 months short. Bank of America publishes a minimum of $100,000 in annual revenue. You reported $58,000. Bank of America publishes a typical FICO Score above 700 for this product. Your supplied FICO Scores: Experian 668, Equifax 652 and TransUnion 661. All three are below the published typical guideline.
Alongside: your personal cards
The limits on your own cards add up to less than the $30,000 marker. That is the target your limit increases aim at, and it never holds a business round: each round opens on its own conditions, beside your limit increases.
01Personal step
Cards you already hold
Limit increases on cards you already hold
- Have in place first
- On-time payments and balances at about 7% of the limit or lower on the day you ask.
- When
- About every six months.
Each step is explained in full under Your Funding Sequence.
Off your list
Metro Retail Bank is off your list. Your reports show an account there that was charged off or went to collection. A lender's own record of a loss can outlast what your credit report shows, so this plan does not send you back there, whatever your scores do.