Your questions,
answered directly.

Funding programs are divided into two main tiers: non-bankable and bankable.

Non-bankable (sometimes called "alternative" or "sub-prime") programs typically carry interest rates of 25% and higher, fund smaller amounts under $100,000, and have short repayment terms of 24 months or less. These are a useful starting point to help clients build momentum and financial history.

Bankable programs are a different story entirely: loans up to five million dollars, interest rates in the 9% to 12% range, and repayment terms up to 15 to 20 years. It normally takes 4 to 6 months of working the system to help a small business client qualify for bankable funding.

There are 20+ non-bankable funding programs in the system, each with their complete underwriting and approval guidelines. This means your clients will see exactly which programs they pre-qualify for today, which ones they fall short on, and where they should submit applications.

On the bankable side, OwnersPath has researched the funding programs and small business product offerings of over 1,000 regional-size business lending banks. That depth of lender intelligence is something you would spend years building on your own.

It is absolutely real. But it is a goal, not an overnight achievement. There are 200+ vendors in the system extending Net 30 credit terms on a corp-only basis. Some cash-type funding programs can also be corp-only, but typically only when assets or collateral are available to secure against.

For fully unsecured cash lines of credit from banks or credit unions with no personal guarantee, a business generally needs to meet all of these benchmarks:

• At least 3 years in business
• At least $50,000 per month in gross revenue
• 10+ reporting business credit tradelines
• At least a Low 5 bank rating
• Established comparable credit
• FICO SBSS score of 160 or above

Net 30 vendor lines and secured business credit cards (Home Depot, Best Buy, Fuelman, and hundreds of similar supplier cards) can often be accessed right away. These are excellent starting points.

For fully unsecured cash business loans and lines of credit, the business must first become bankable, which requires consistent revenue that demonstrates debt-service capacity, a FICO SBSS score of 160 or higher, and solid personal credit for any owner with 20% or more ownership.

After running a free success scan on your private label, clients receive complimentary access to your system to apply for the pre-bankable funding programs they pre-qualified for. They also get access to the first half of Lender Compliance, which shows them exactly why assistance to become bankable matters and gives them a meaningful first look at what your platform delivers.

Absolutely. The system started as a business credit building platform and remains the oldest and most comprehensive available. It includes over 200 credit-reporting vendors who will extend business credit terms to start-up companies across a wide range of products, services, and credit cards.

Once a company establishes a business credit score, they gain access to over 3,000 vendors extending credit for virtually every product and service imaginable.

One important distinction: cash lenders such as banks and credit unions do not use business credit to approve loans. However, they often use it to decline loans and to determine the amount, rate, and term of an approved one.

Over 200 in the initial credit-building phase. Over 3,000 once the business has achieved bankable status.

Becoming bankable requires four distinct pillars: completing all items of Lender Compliance, developing at least a Low 5 bank rating, creating comparable credit, and building strong business credit scores including a business FICO SBSS score.

Typically 4 to 6 months to build a strong, well-rounded profile with a business FICO SBSS score of 160 or above, which is the critical threshold for accessing bankable funding programs.

The timeline depends on the client following system instructions closely, using all new accounts every month, and paying all business bills at least 10 days early. Discipline in execution is what moves the needle.

The 1-3-5 rule is a general formula for building excellent business credit scores in the shortest possible time:

• 1 installment loan (business term loan, equipment lease, or SBA loan)
• 3 business credit cards
• 5 vendor lines of credit

This combination creates the right mix of account types, payment histories, and utilization patterns that business credit bureaus reward with strong scores.

Yes. The system provides a complete scan of where a business currently stands across every dimension of online marketing. Clients then receive instructions and tools to optimize each area, plus access to service vendors who can handle the work for them.

Web Presence, which is a combination of Web Rating Score and NAP Validation, is now a key component of many lenders' underwriting approval algorithms. Optimizing it helps clients both when seeking funding and when seeking customers.

The scan evaluates approximately 150 data points and shows business owners exactly how lenders and investigators see them. It covers:

• Lender compliance status
• Business credit scores and tradelines
• SEO performance and backlink profile
• Social media presence and star ratings
• Local listings and NAP validation
• Corporate and legal filings
• Possible business valuation
• Owner background and credit data

After initial non-bankable funding, the system walks clients through a comprehensive become-bankable journey:

• Lender Compliance, eliminating the characteristics that flag a business as high-risk to bankable lenders
• Optimize Credit, building a strong business FICO SBSS of 160+ and strong personal credit
• Credit Building, creating comparable credit and obtaining 12 to 15 additional reporting tradelines
• Increased Web Presence, SEO, social media, star ratings, local listings, NAP validation
• Maximize Value, increasing SDE (seller's discretionary earnings) to make the business worth more
• Organize Financials, ensuring financial statements, personal financials, and three-year forward projections are lender-ready

You can set up an unlimited number of staff members, agents, affiliates, reps, and referral partners at no additional cost. You can also run an unlimited number of business pre-qualification success scans with no additional fees.

Of course. In any section where you offer related services, you can add your business as the preferred vendor. You can also configure each section to feature only vendors with whom you have affiliate, reseller, or white label relationships, ensuring you get paid on every service your clients use.

The set payout is 40% of whatever fees are collected on each specific funding program. That includes commissions paid by direct lenders plus fees paid by your clients. Fee levels vary by program and lender.

What makes this valuable is how little effort it requires. Pre-qualification, application, automated document collection, direct lender offer portal, funding, and fee collection are all handled for you, freeing your time to focus on generating pre-qualification scans.

Revenue flows from four points in the client journey:

• Initial Funding, when a pre-qualified prospect applies and gets funded, you earn 40% of collected fees
• Become Bankable Investment, when funded clients invest a portion back into the bankable program, you earn again
• Vendor Services, as clients engage service vendors throughout the process, you earn on each transaction
• Bankable Funding, when clients ultimately qualify for larger bankable loans, you earn a fourth time

The strong recommendation is to only bring clients into your bankable assistance program when they have pre-qualified for at least one funding program and can be funded first. Then have them invest a small portion of that funding in their becoming bankable.

Accepting payments from clients you have not yet funded is problematic. By funding them first, you put money in their pockets rather than taking money they likely do not have. Collecting payments from unfunded clients leads to chargebacks, complaints, damaged ratings, and harm to your referral partner relationships.

The most effective and profitable approach is B2B referral partner marketing, recruiting companies whose clients are small business owners to become your referral partners.

These companies share three common pain points: they deal with small business owners constantly, they lose clients due to business failure, and they speak with hundreds of prospects while only converting a few. Your private label directly solves all three problems for them, which makes the conversation easy.

Business owners who complete a pre-qualification scan and qualify for at least one funding program are your best clients. They have demonstrated financial activity, and funding them first gives them the capital they need to invest in the become-bankable process successfully.

Referral-generated prospects are by far the highest quality. They come in with instant credibility and pre-qualify for funding at roughly 3x the rate of internet leads.

Mass marketing and internet leads should be avoided. They pre-qualify at 20% or less, many are already over-solicited, and a disproportionate number carry unrealistic expectations from watching misleading content online. Stay focused on referral partner development.

Yes. The Maximize Value section of the platform teaches clients how to maintain and grow their SDE (seller's discretionary earnings), which is the primary driver of business valuation. Clients learn how to calculate an accurate, supportable sales price and position their business to attract the strongest possible buyers at the best possible terms.

When a client becomes bankable, their business is not only financeable, it is also more valuable and more sellable. That is a significant long-term outcome your private label delivers.