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Credit Funnel

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LAST UPDATED: May 27th, 2023

Credit Funnel helps entrepreneurs and business owners to get access to business funding for a wide range of purposes. Since 2008, Credit Funnel has helped over 10,000 businesses receive needed business credit funds, totalling more than $2 million of growth capital. A staff of over 85 financial professionals can help business owners identify needs and financial restraints and come up with the best possible course of action.

Each business looking for business lines of credit will undergo the same process through the Credit Funnel program:

  • Building up the business foundation of credit
  • Separating business entities by incorporating the business
  • Obtaining all identification numbers
  • Set up access to business credit reporting bureaus
  • Establish business detail congruence in all facets
  • Apply for initial “starter” credit
  • Regularly monitor credit status

This process has helped business owners increase their understanding of business credit, improve overall business credibility, and then establish and effectively utilize lines of business credit. Clients will then have access to either cash funding, credit cards, or lines of credit. Clients have a 180-day money back guarantee feature and funding speeds start at just 15 days.

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The Good

  • Available Credit Solutions
  • Pricing Packages
  • Credit Builder Service
  • Establishing Credibility

Available Credit Solutions

Credit Funnel has helped businesses in virtually every space imaginable obtain the financing needed to serve a number of purposes. The company offers the following types of trade credit: 

  • Vendor credit
  • Retail credit
  • Fleet credit
  • Service credit
  • Business credit cards

Credit Funnel financial specialists will help businesses understand what business credit can be used for and how to use it to effectively grow the business. Throughout the process, Credit Funnel will help clients understand how to strategically manage cash flow and increase a business’s fundability. 

Pricing Packages

One of the most unique offerings Credit Funnel provides to its clients is its transparent pricing packages. Not many business loan providers disclose this information publicly, but Credit Funnel explicitly lays out what the service can provide business owners and how much it will cost.

  • Single Payment Business Credit Builder Package — $5,997 single payment
  • Installment Plan Business Credit Builder Package — $1,5000 per month

Robust details about what features are included in each package are available on the company’s website. 

Credit Builder Service

The company’s credit builder service allows business owners to learn the ins and outs of business credit and funding. This service teaches clients how to successfully navigate business credit and business funding.

Most business loan providers are simply interested in funding companies that will in turn make them money. Credit Funnel is genuinely invested in helping clients understand how to effectively utilize its funding and grow the business in an effective and sustainable way. 

Establishing Credibility

One of the benefits of utilizing the Credit Funnel service is the guidance surrounding establishing credibility. One of the ways Credit Funnel helps business owners accomplish this is through incorporating the business. This can be a daunting process, but Credit Funnel will walk clients through it.

Credit Funnel will help clients with the following:

  • Opening a business bank account
  • Receiving necessary licenses to operate
  • Setting up a professional website
  • Accessing important business credit information

Credit Funnel goes the extra mile in helping a business become a legitimate competitor within its industry. Not many business loan providers are offering these kinds of services to business owners. 


The Bad

  • Limited Loan Types
  • Unknown Credit Requirements

Limited Loan Types

Business loan companies often provide a number of financial lending services and solutions to clients. The most common forms of business loan types available through these types of providers include:

  • Lines of credit
  • SBA loans
  • Accounts receivable financing
  • Commercial mortgage
  • Equipment Financing
  • Term loan
  • Startup financing
  • Merchant cash advance
  • Custom loan

Credit Funnel is unique in that it offers a specific and focused service to business owners. As a result, the loan types available to clients are limited strictly to lines of credit. Business owners looking for a wide range of loan types to choose from will have to look elsewhere. 

Unknown Credit Requirements

Most business loan providers require that business owners meet certain minimum requirements in order to qualify for a wide range of funding options. These minimums protect the lender and establish a level of commitment between provider and client. These minimum requirements generally include a minimum credit score requirement.

It is no secret that a better credit score will increase lending opportunities, which is why Credit Funnel works with businesses to build their credit. However, it is unclear what score a business has to reach in order to qualify for lines of credit. This information is normally transparent, but that is not the case with Credit Funnel. 


The Bottom Line

Credit Funnel provides quality business lines of credit solutions and credit building solutions to entrepreneurs and business owners looking to establish themselves in their respectable market. 

A number of credit solutions are available to business owners through the Credit Funnel operation. Pricing packages range in cost and features included, but it is beneficial to know upfront how much a service is going to cost and Credit Funnel provides that. 

Clients also have access to the credit builder service where effectively establishing and utilizing lines of credit is taught. Lastly, Credit Funnel helps businesses establish credibility with increased access to cash/credit.

Despite offering a needed financial service, there are limitations to what Credit Funnel provides its clients. Credit Funnel strictly offers a credit-backed service and does not dabble in other forms of business loans.

Considering the services available through Credit Funnel, business owners in need of lines of credit and looking for the best possible ways to establish credibility through these funds will likely benefit from what Credit Funnel has to offer. 

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