Funding Readiness • Authority Guide
Business Funding Roadmap
Capital access follows a maturation curve — credit, business credit, documentation, financials, lender relationships. The roadmap below sequences each in 12 months.
Definition
What is business funding roadmap?
The Business Funding Roadmap is a 12-month phased plan covering personal credit optimization, business credit build, documentation assembly, financials cleanup, and lender relationship development.
Why it matters
Why this matters
- Capital needs rarely align with capital readiness; planning prevents emergency funding at predatory rates.
How it works
How it works
- ›Months 1–3: personal credit optimization (target 720+).
- ›Months 1–6: business credit build (target PAYDEX 80+ by Month 9).
- ›Months 1–12: monthly financial close, documentation assembly.
- ›Months 6–12: lender pre-qualifications and first cash credit applications.
Examples
Examples in practice
12-month outcome
Personal 740, PAYDEX 85, full documentation vault, DSCR 1.4, qualified $150K SBA Express + $50K business line of credit.
Step-by-step
Step-by-step process
- 1Months 1–3: personal credit
- 2Months 1–6: business credit
- 3Months 1–12: monthly financial close and documentation
- 4Months 6–12: lender pre-quals
Checklist
Action checklist
- Personal 720+ by Month 3
- PAYDEX 80+ by Month 9
- Documentation complete by Month 6
- Monthly close active by Month 3
- First lender application Month 10–12
Common mistakes
Common mistakes to avoid
- Compressing personal credit optimization (it cannot be rushed)
- Applying for cash credit before PAYDEX is built
FAQs
Frequently asked questions
Can the roadmap be compressed?+
Documentation and lender pre-quals can compress. Credit aging cannot.
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