By using our Funding Optimization Process to turn you from “unfundable” into an ideal client the banks
will beg to give money to.
Even if you've gotten rejected for funding before
and even if your credit isn't the best.
130+ every-day builders got approved for funding
Marcus Mcurdy
Founder of L&T Solution
marcus went from 5 months of funding rejections to getting approved for $80k in 0% interest capital in just 4 weeks
"I was honestly at my wits end. I needed cash to get through some hard times in the business. I had tried every method, tactic and strategy out there to get my hands on funding. of course nothing worked. I was ready to throw in the towel. But then I came across Citidel across an ad. Spoke to Eli and he had so much knowledge surrounding funding I decided to give them a shot. Just a month later I got approved for $110,000 in funding at 0% interest."
Rated: Excellent
Need capital to scale your business?
Please DO NOT read this
unless absolute need to get approved for funding
Up to $150,000 of funding at 0% interest for 12-18 months.
That's essentially free money for an entire year...
Without having to resort to:
Dipping into your bank account
Maxing out your personal credit cards
Disrupting your existing cash flow
Getting taken advantage of by predatory MCA lenders
Being chained to high interest term loans
Rolling the dice on an SBA loan that won't even move the needle.
Giving away a huge chunk of the business you worked so hard to build to greedy "investors"
And what if you could get approved for that much funding even if you've gotten rejected dozens of times…
Or if your credit score starts with a 6…
Or even a 5…
"Bullsh*t"
We know, that sounds utterly ridiculous.
But in the next few paragraphs we're going to show you, step-by-step, how we used a new process called "Funding Optimization"…
To turn business owners who keep hearing "no" every time they apply for funding…
Into irresistible clients the banks practically beg to give funding to.
FROM 12 REJECTIONS
TO
$225,000 IN FUNDING:
Stop us if this sounds familiar:
You've been trying to get approved for funding so you can finally start growing your business the smart way…
You do all the research, read every article, watch more YouTube videos than you care to admit
Maybe you even start working with a funding company..
You have a list of banks you think you have a fair shot with.
You check the requirements, you fit those.
After all, your credit is pretty good.
Not perfect, but good enough.
You have every document you need.
Your business fits the bill. After all, you don't need millions. You just need enough to finally start buying back some of your time…
So you fill out the online application, double, triple, quadruple check all of your information..
Looks good.
You've crossed the t's, dotted the i's.
You hit apply.
A few hours later you get an email from the bank.
This is it, you're about to turn everything around.
"We regret to inform you that we can't
approve your business for a loan."
…
What happened?
Where did you go from?
It's not your fault.
You've been lied to
about what it takes to actually get approved for 0% interest funding.
See, banks have something called "internal scoring models".
These scoring models can have dozens of approval signals inside them.
And each bank has different approval signals that they update all the time.
So you have dozens of banks…
With dozens of signals per bank.
And this is a big problem…
Because if you don't match these approval signals damn near perfectly…
You won't get approved.
And to make matter worse, most of these signals are completely out of your control.
Which means you need to absolutely nail the ones that are in your control.
Ok so….
what are these approval signals?
How do you find them?
What even are they?
Well, over the past 5 years we’ve been building relationships with funding managers at Bank of America, Chase, Citizens…
And about a dozen of the biggest lenders in the US
with one goal in mind:
We wanted to know exactly what it takes to get access to 6 figures in 0% interest funding.
No fluff, no guess-work, no b.s.
And since we were working so closely with these funding managers..
We got them to pull back the curtain and reveal everything.
And what they told us literally changed our entire business.
Here’s what we found out:
Banks actually WANT to
fund your business.
Which sounds ridiculous considering how absurdly complicated it is to get approved (more on that in a second).
But it’s true.
You see, a bank needs to lend out a lot of money and a lot of different KINDS of money.
The more money they lend out, the more yield (or returns) they make off of interest.
And they need different loan products in their portfolio to avoid “over-leveraging”.
Credit cards, mortgages, auto loans,
you get the gist.
This combination is called an “Equity Class”.
But their golden child? The Mona Lisa of lending products as the banks see it?
Business loans.
Think about it,
Not only are businesses a “safer bet” than regular consumers…
But when a business owner who a bank loaned money to starts making a boatload of cash…
Where do you think they’re parking it?
Who gets to loan out that parked cash again to make even more “yield”?
These banks want businesses as their customers so badly that they’re willing to offer 0% interest on loans for as long as 18 months.
Ok but wait, if banks want to give me capital so badly…
Why is it nearly impossible to get approved?
Remember those approval signals we mentioned a minute ago?
Well according to those bank funding managers…
It turns out the approval process banks use for 0% interest credit cards is completely different than the one they use for every other loan.
It even has a name:
Funding Scoring Models.
And according to these scoring models,
You don’t need:
Years of financial documents
Loads of tax return statements
A 20 year old business
Any collateral at all
To get approved for 0% interest funding.
In fact, things like cash flow statements, personal income and years in business only make up 5% of the lending “weight”.
The other 95%?
A list of just a few items on your credit profile.
Items that the banks view as “red flags”
Now you’re probably thinking…
“No duh, I just need a perfect credit score”
Nope.
In fact, you can get funded even if you’re starting with a credit score in the 500s.
How?
By using a few loopholes to manipulate your credit, essentially tricking the banks into seeing you as the ideal lending candidate.
And it’s 100% legal.
See, thanks to those Funding Managers we mentioned earlier, we were able to access the inner workings of these funding scoring models.
We got to see each and every item on a credit report that these banks flag as part of their scoring model.
Which ones they ignore..
And which ones are non-negotiables.
So now we had a list of the most important items on someone's credit report…
Items that spell the difference between a $75,000 approval and an instant rejection email.
These were the hidden approval signals.
We were so close…
But we still needed to figure out how to actually change those items and
match those approval signals.
And take someone's credit
from a red flag
to a bright green flag…
So we did more digging.
We looked into how those specific items were placed on people’s profiles.
How they're reported…
How the data is gathered…
And exactly who has access to that data.
And what we discovered was a complete game changer
You know the Big Three credit bureaus? Experian, Transunion, Equifax?
These companies are “primary bureaus”.
Every lender on the planet uses your Big Three credit score data to evaluate you for 99.5% of loans.
But with funding scoring models, there’s one crucial difference.
These models don’t just pull data from the Big Three.
They also pull from a group of 27 companies you’ve probably never heard of.
They’re what’s known in the industry as “secondary data furnishers”.
These companies make billions buying, selling and trading your personal information.
Ok so… what’s the difference?
Why does that matter?
Because that credit data
is being used illegally.
See, there's a reason why it's so hard to find any information about these secondary data companies.
It's because these companies are basically stealing your information…
Without your consent…
And selling it to the highest bidder.
Information like:
How much debt you have
Where you live
Who your family is
How you use your credit cards
Who your boss is
How many times you applied for a loan
And these companies don't care if that data is accurate.
They don't care that their data is ruining your chances of getting approved for funding.
But we found a loophole.
After hiring to a few consumer data lawyers…
And spending several months on good 'ole R&D
We found a way to combine a series of FTC, CFPB and DSPO regulations…
With a sprinkle of ridiculously complicated legal jargon…
To send a series of very specific “cease and desists” against these data furnishers.
This forces these companies to confirm that your credit data they have is not only accurate…
But that you gave them your expressed consent to store and sell that date.
And if they can't prove that…
Those red flag credit items are instantly removed.
This triggers a domino effect that removes those items not just from the secondary databases…
But also from the Big Three credit bureaus, at the same time.
So not only do you turn into the perfect funding candidate in the eyes of the banks…
But your personal credit score also skyrockets.
Talk about a win-win.
The best part?
Since we can back these secondary data reporting companies into a corner using actual laws…
This process, which we’ve coined
“Funding Optimization"
…gets results in as little as a few days.
Long story short,
By plugging in this process, we can match the bank’s approval signals
And turn someone who’s “unfundable”…
Into an ideal client the banks would literally BEG to give money to.
And for the past 4 years that’s exactly what we’ve been doing…
SO… HOW WELL DOES
FUNDING OPTIMIZATION
ACTUALLY WORK?
In just the past year we've been able to help our clients get approved
for a total of…
MILLION
sandra goes from borderline
bankrupt to getting approved for $90,000 in 0% interest capital
Sandra Miller
Founder of Titans Media
"It's like a 100 pound weight has been lifted off of my shoulders. I now have the breathing room to actually focus on growing my business, not just surviving the next months. Save yourself from the guesswork and just go straight to Citidel Consulting. I cannot tell you enough how much of a help they were. They don’t just fund your business. They set you up for life."
lars flips 2 extra properties,
netting him over $70,000 in pure profit after just 45 days of working with us
Lars Marston
CEO of Synergy Real Estate
"Citidel really isn't not like other funding companies. They really go out of their way to set you up for success. Because of them I qualified for $200k in funding and have flipped two extra properties this year all because I had the extra money to do it."
It works so well..
That we're giving the next
20 business owners a
"we definitely lost our minds" offer:
Here's exactly
what that looks like…
01. Free Blueprint Call
You'll be connected with a dedicated funding specialist who will analyze how many "red flag" items you have on your profile and create a custom optimization game plan.
02. Optimizing your profile
Within 24 hours our team of 15 funding optimization experts will prioritizing removing the worst offenders on your report using the bulletproof method we've developed over the past 4 years.
03. Tweaking your business
At the same time, we'll pick apart your business filling documents and position your business in a way that makes the banks see you as "safe bet" to give capital to.
04. 24/7 Updates
We'll keep you updates throughout every step of the way. And if you have any questions or concerns we'll be one text, email or phone call away.
Claim your free approval blueprint 👇
Still not convinced?
Here's a literal wall
of receipts:
485 PEOPLE HAVE CLAIMED THEIR BLUEPRINT
IMPORTANT DISCLAIMER:
Due to high demand there are a limited amount of call slots available this month.
