Equifax, Experian, and TransUnion scores presented side-by-side. Lenders often use the middle score for decisioning, so seeing all three gives your client a realistic picture of where they stand before applying.
All 3 Bureaus
Closing Report Series · Report 4 of 4
What Lenders See
When They Pull
Your Client's File
Personal credit is a primary underwriting input for nearly every small business loan. OwnersPath pulls tri-bureau owner credit data via API and delivers a complete report your system uses to pre-qualify, underwrite, and guide clients to better approvals.
- All three personal credit bureaus
- No hard inquiry of any kind
- Only $1 to verify identity
- Included in every plan
No Hard Inquiry
Owner Personal Credit Report
Tri-Bureau
Your system feeds this data directly into funding pre-qualification, offer underwriting, and sections of the Funding Range Report and the Business FICO Report — all automatically.
3
Bureaus: Equifax, Experian, TransUnion
$1
Client cost — identity verification only
0
Hard inquiries created
4
Closing reports in the series
30+
Years in business finance
How It Works
One click. Three bureaus.
Complete picture.
The owner credit integration is built into your private label system. Nothing extra to set up, install, or pay for. It runs automatically when a prospect completes pre-qualification.
Prospect Enters System
Your branded private label accepts prospect details during pre-qualification. No separate login or third-party portal needed.
$1 Identity Verify
The prospect completes a $1 charge for identity verification. The only cost to them — and it creates no credit inquiry whatsoever.
API Pulls All 3 Bureaus
The system instantly retrieves full credit data from Equifax, Experian, and TransUnion, including scores and all tradeline details.
Reports & Guide Generated
Your system builds the owner credit report, feeds data into other closing reports, and delivers a step-by-step optimization guide.
What's In the Report
The full picture
lenders run
before they call you.
Business lenders rely heavily on personal credit when evaluating small business applicants. Your system doesn't just show the scores — it breaks down every factor a lender scrutinizes and hands the client a clear path to improve each one.
See It in Action3
Bureaus in
one report
one report
$0
Cost to
your business
your business
Actual Report Sample
Many business owners unknowingly damage their personal credit by using personal credit cards for business expenses or taking on personal debt. The report flags these patterns and shows which items lenders focus on during underwriting.
Lender-Focused View
Your system generates a detailed, item-by-item guide showing the client exactly how to address each concern a lender would raise. Personalized to their actual report data — not a generic credit tip sheet.
Personalized to Their Data
Owner personal credit data does not live in a silo. Your system uses it to populate key sections of the Funding Range Report and the Business FICO Report, ensuring every closing deliverable reflects a complete financial picture.
Integrated Automatically
Why It Matters
Personal credit is the
hidden lever most miss.
The owner's personal credit is not a separate conversation from business financing — it is part of the underwriting on virtually every small business loan. Your system turns this from a liability into a closing tool.
35%
Of small business lenders require a personal guarantee
When a personal guarantee is required, the owner's personal credit is directly scrutinized during underwriting. A weak profile means worse terms or a denial at that stage.
72%
Of small business owners mix personal and business expenses
Using personal credit cards for business spending drives up utilization ratios and signals financial stress to lenders. Your report identifies this pattern specifically.
$0
Additional cost to you as the private label partner
The entire tri-bureau integration is included in your plan at no additional charge. The only cost to your client is the $1 identity verification fee.
Closing Report Series — All 4 Reports Included in Every Plan
Report 01
Bankable Status Report
Where a client stands on the path to bankability and what is holding them back.
View Report
Report 02
Business FICO SBSS Report
Factor-by-factor breakdown of the score that drives SBA and traditional lender decisions.
View Report
Report 03
Funding Range Report
A realistic funding range estimate based on the client's current financial profile.
View Report
Report 04 — You Are Here
Owner Personal Credit Reports
Tri-bureau owner credit data with lender concern analysis and an optimization guide.
Current Page