Know Your Prospect's
Funding Range
Before the Call Ends
The Funding Range Report auto-generates an estimated business credit card funding range and contingency checklist from a single $1 personal credit pull, so your prospects see a real number, not a guess.
Included with every co-brand subscription, with no per-report fee, on every scan you run.
View Subscription PricingThe Estimated Funding Range & Contingency Report
Auto-generated from a single $1 personal credit pull, this report gives your prospects a specific dollar funding range and a prioritized action list, not a generic illustration, not a guess.
The range table shows Business Only and Personal & Business Funding across six score bands from below 60 to 90–100, with the prospect's live score highlighted.
Utilizations, Inquiries, Derogatories, and Accounts, each flagged with a specific cause and an exact required pay-down amount.
Every report shows the date produced and an estimate expiration date, creating urgency for prospects to act before the data changes.
From Credit Pull to Closing Conversation
Four automated steps from pre-qualification to a customized funding range your prospect can act on.
Prospect Completes Pre-Qualification
Your prospect fills out the AI 150 data point scan inside your co-brand platform and pays $1 at checkout to verify their identity and authorize the personal credit pull.
Three-Bureau Data Retrieved
Live FICO 8 scores are pulled from Experian, Equifax, and TransUnion for every owner with 20%+ stake, along with full tradeline detail, limits, balances, ages, inquiry counts, and payment history.
The AI Scores & Flags
The AI maps the current score to a dollar range across Business Only and Personal & Business columns, then checks the four contingency categories, flagging any that apply with a cause and required pay-down amount.
Branded Report Ready to Close
The completed, dated report appears in your co-brand dashboard with your logo, showing the prospect their exact funding range, every open tradeline, what needs to be paid down, and what to do next.
Everything Your Prospect Needs to Move Forward
Seven distinct sections build from the owner's live credit data into a complete funding picture, from estimated dollar range down to the individual tradelines that need attention before applying.
- Funding Estimator Range Table, score-banded funding estimates in two columns: Business Only Funding and Personal & Business Funding, from 90–100 down to below 60, with the prospect's current score highlighted.
- Business Owner Status, per-owner breakdown showing name, income, time in business, live Experian / Equifax / TransUnion FICO 8 scores, recent inquiry counts (3, 6, and 12 month), open tradeline counts, and current revolving utilization totals.
- Business Funding Contingencies, four flagged categories, Utilizations, Inquiries, Derogatories, and Accounts, each showing a found count and a plain-language cause explanation when a flag is triggered.
- Existing Tradeline Utilization, full table of every open revolving account: creditor name, credit limit, current balance, account age, and utilization percentage, with revolving totals at the bottom.
- Required Tradeline Pay Downs, only the accounts over threshold, with the exact dollar amount the prospect needs to pay down to clear the utilization contingency.
- Critical Variables & Estimate Expiration, the conditions the estimate is based on, plus the date the estimate expires so prospects act while the data is current.
- Closing Guidance Copy, explanation of how business credit cards work, the 0% intro period, minimum payment requirements, and how paying on time builds toward full bankable status, all in plain language your prospect can act on.
Bankable IQ
Estimated Funding Range& Contingency Report
| Owner Info | FICO Scores | Recent Inquiries | Open Tradelines | Revolving Usage |
|---|---|---|---|---|
| John Doe Income: $(125k–150k) TIB: 11/2022 |
Experian: 722 Equifax: 718 TransUnion: 715 |
3 Months: 0 6 Months: 0 12 Months: 0 |
Revolving: 5 Installment: 4 # Negative: 0 |
Total All Limits: $18,440 Oldest Revolving: 10 Yr. High Rev Limit: $6,250 |
Personal Credit Drives Business Funding Range
Personal credit isn't separate from business lending, it's embedded in it. The Funding Range Report surfaces exactly how.
See the Funding Range Report in Action
Schedule a live demo and we'll walk through the full report workflow, from pre-qualification scan to completed closing report, inside a co-brand environment.