We call them different, not competition.
The rest of the market is selling an outdated playbook. We built something entirely new, and the front end belongs to you.
Still selling what worked back in 2012.
Lending changed. The scoring changed. Most of the market never updated the pitch.
- Separate your personal and business credit
- Never personally guarantee a loan
- Get approved on business credit alone
- Build to an "80" D&B score
- Pay $3,000 to $4,000 just to get started
- Never competes with you in the market
- FICO® SBSS, what lenders actually use
- Honest about personal credit and guarantees
- The proprietary Bankable Method to 200+ SBSS
- $298 build plus $199/mo, everything included
Ten points that separate us entirely
from the rest of the market.
By far the most comprehensive option, and the only true co-brand that does not compete with you.
Built as Technology, Not a Sales Floor
Bankable IQ is a software and data research operation. Every dollar goes back into new tools, deeper lender data, and better AI, all of it delivered to you for the benefit of your clients.
Stability You Can Count OnSales Companies Come and Go
Most competitors in this space are sales organizations first. Their primary product is the enrollment, which means their primary goal is helping themselves, not building anything durable.
They Might Not Be HereA True Co-Brand, Not a Franchise
No Bankable IQ branding ever touches your clients. No consumer marketing, no competing with you head to head, no client circumvention, and no selling your client data out the back door. The engine tries hard to be completely invisible.
The Front End Is Entirely YoursCompeting With You Head to Head
Not a true co-brand. They compete against you directly in the market. Heavy consumer marketing lets your clients circumvent you entirely and go straight to the source.
Your clients can cut you outFICO® SBSS Front and Center
Helping your clients become bankable means leading with FICO® SBSS, the score they must clear (a 160 minimum, 165 for SBA, 200+ to be truly bankable) to qualify for bank lending. Have the other guys even told you what FICO® SBSS is?
What Lenders Actually UseStill Pushing the '80' Score
Still promoting an '80' D&B score that 10,000 cash lenders including banks, credit unions, and the SBA no longer rely on. That score makes up roughly 5% of the FICO® SBSS that actually decides the loan.
Obsolete metricBecoming Bankable Is the Goal
The objective is helping your clients become bankable, not just funded. Bankable means lower interest, longer repayment periods, and much larger amounts. That is where real business transformation happens.
Low Rate, Longer TermsEmpty Buzzwords Do Not Mean Anything
Vague 'just get approved' language sounds good but delivers little. Non-bankable funding is typically 25% to 35%+ interest, very short term at 12 to 24 months, and mostly small amounts under $100K.
High-cost non-bankable loansBe Truthful With Your Clients
FICO® SBSS now dominates business cash lending the same way FICO dominates personal credit. A large portion of your client's SBSS is directly tied to the personal credit of anyone owning 20% or more of the business.
Honest, Current GuidanceStill Selling the 'Separate' Myth
'Separate your personal credit from your business credit' was true in 2012, but not now. Technology has changed everything. The owner's personal credit now makes up roughly 35% of the FICO® SBSS that decides the file.
Outdated since 2012Business Lending Has Changed
If your client's business is under 3 years old or under $1 million in annual revenue, they will likely need to personally guarantee most bank, credit union, SBA, and fintech approvals. Tell them the truth up front.
We Tell Clients the TruthSelling What No Longer Exists
'Never personally guarantee another business loan' was possible in 2012, mostly not now. It applies only to some very high-interest non-bankable loans, vendor Net 30 lines, and a few store business cards.
Misleading clientsMaking Your Clients Real to Lenders
Becoming bankable is far more than being funded. What is in your client's UCC file? What is their bank rating? What is their FICO® SBSS? There are 20 compliance checkpoints and many more factors that go into becoming truly bankable.
Complete Bankability SystemIf You Can Fog a Mirror
'Have your business approved based only on its corporate credit.' Tradelines are not used to approve cash loans. They are used to decline applicants and set amounts, rates, and terms. Personal credit still matters.
Oversimplified and inaccurateBusiness Credit Cards Are a Good Thing
Card stacking can play a major role in client funding. But those 0% business cards are based on the owner's personal credit, are personally guaranteed, and in business lending 'late means late' with no grace period.
Clients Are Fully InformedFailing to Warn Clients
A 0%-for-18-months business card paid even 2, 5, or 10 days late means the 0% is gone and replaced with 34.99%. No 30-day grace period exists. Not telling clients this does them a serious disservice.
Costly surprise for clientsHigher Value at a Lower Cost
One-time build: $298. Monthly subscription: $199. No per-scan or per-client fees. Add team members with no per-seat fee. A complete turnkey done-for-you back office, and a true co-brand where the front end is entirely yours.
High Cost for Lower Value
Entry-level setup runs $3,000 to $4,000 just to get in the door, and higher tiers climb sharply from there. Monthly fees, add-on charges, and required third-party tools stack up fast, and they still compete with you under their own consumer brand.
$3K-$4K+ just to startYour Clients Stay Your Clients
Your domain, your logo, your client records, your relationships. There is no consumer-facing brand pulling your clients away, no back-door data sale, and no scenario where the platform becomes your competitor.
You Own the RelationshipYou Are Renting Your Own Book
When the platform markets to consumers under its own name, every client you bring in is a lead for them too. If the company folds or pivots, your investment and your client list go with it.
All your clients at riskThe score, at a glance.
Ten categories. One clear winner. Here is the full side-by-side summary.
| Category | Bankable IQ | The Rest of the Market |
|---|---|---|
| Company Type | A technology and data research operation, reinvesting in the engine | Sales companies most interested in their own enrollment revenue |
| Co-Brand | True invisible co-brand, your brand on the front end only | Consumer brand competing directly against you |
| Credit Scoring | FICO® SBSS driven, what lenders actually use today | Still promoting the D&B '80' score, roughly 5% of SBSS |
| Funding Focus | Bankable focus: lower rate, longer term, larger amounts | Vague 'get funded' promises at 25% to 35%+ interest |
| Personal Credit | Honest about personal credit impact, roughly 35% of SBSS | Pushes the 'separate personal and business credit' myth |
| Personal Guarantees | Honest about personal guarantees for newer businesses | Promises the 'never personally guarantee' line |
| Bankability Depth | Full bankability: 20 compliance checkpoints, UCC, bank rating, SBSS | Corporate credit only, ignores bankability entirely |
| Card Transparency | Clients warned about 0% business card terms up front | Clients surprised by 34.99% interest on '0%' cards |
| Pricing | $298 build plus $199/mo, full turnkey back office included | $3,000 to $4,000+ setup, add-on fees, higher tiers |
| Client Ownership | Your domain, your logo, your client records, permanently | Every client you bring in is also a lead for them |
See it live. Compare it yourself.
A 30-minute live demo walks you through the full platform: what your clients see, how you earn, and why partners consistently say there is nothing else like it.