Free 15-minute credit review
Business funding denied? Your personal credit may be why.
For most small-business funding, lenders lean on your personal credit. A real specialist shows you what may be holding back approval — and a realistic plan before you apply again.
No credit card · no obligation · phone optional · your info is never sold.
Business Credit Readiness Scan
Illustrative example — not a real credit report.
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Most small-business funding still rides on your personal credit
Banks, SBA lenders, and online funders almost always check the owner’s personal credit. A few items can sink an application — and most owners never find out which. Fifteen minutes makes it clear.
The FTC found 1 in 5 consumers had an error on at least one of their credit reports. So the denial may not be the whole story — and some of what’s flagged may be disputable.
A funder may be judging the owner and the business
Business-funding decisions can pull from several separate lanes. Personal credit matters — especially for a newer business — but it isn’t the whole decision.
Owner credit
- Personal payment history
- Utilization & inquiries
- Personal guarantee
Business credit
- Accounts in the company’s name
- Trade payment history
- Business public records
Fundamentals
- Revenue & cash flow
- Time in business
- Industry & collateral
We review the owner-credit lane — your funder may weigh all three.
Factors that affect business credit (SBA).
What may be holding back approval
Most funders start with the owner’s personal report. Some items are accurate and just need a plan; others may be outdated, duplicated, or wrong — and those may be disputable.
The good news: once you can see what’s actually on the report, each item becomes something you can understand and act on — that’s the whole point of the free review.
You’ll talk to an actual credit specialist
No call-center script, no upsell ambush. A specialist at MSI Credit Solutions goes through your personal report with you, explains what a funder likely sees, and gives you a straight read on what’s realistic.
It’s free, takes about 15 minutes, and there’s no obligation to do anything afterward.
Start my free reviewWhat you’ll know after the free review
No pressure, no jargon — just a straight answer and a plan.
Tell us what happened
A quick 15-minute call. Share what you’re dealing with — and we look at what’s actually on your credit report.
We pinpoint what may be hurting you
We go through the specific items on a report that can cause trouble — and flag what may apply to you.
You leave with a realistic plan
A clear, honest action plan: what may be disputable, what to rebuild, and a realistic sense of timing.
We can’t guarantee approvals or a specific score increase, and we can’t remove accurate information. What we can do is show you what’s affecting your credit, what may be disputable, and exactly what to do next.
What you’ll walk away with
- A clear picture of the personal credit a funder likely sees
- Which items might be inaccurate, outdated, or disputable
- What to address before you apply for funding again
- A realistic sense of timing before you reapply
Backed by MSI Credit Solutions
Questions people ask
Why was my business loan denied?
For most small-business funding, lenders check the owner’s personal credit — especially for newer businesses. High personal utilization, collections, or recent inquiries can sink an application, alongside business factors like revenue and time in business.
Does business funding use my personal credit?
Usually, yes. Banks, SBA lenders, and online funders typically pull the owner’s personal credit and often require a personal guarantee. That’s why a personal-credit review is a smart first step after a denial.
How can I improve my chances of business funding approval?
Start by understanding what a funder sees on your personal report — utilization, collections, inquiries, and any errors. Addressing accurate issues and disputing inaccurate ones can strengthen your profile over time. We can’t guarantee approval, but you’ll know where you stand.
Is the credit review free for business owners?
Yes — about 15 minutes with an MSI Credit Solutions specialist, focused on the personal-credit side of funding. No credit card, no obligation.
See what may be blocking funding — free
A 15-minute review shows you what’s on your personal report affecting business funding, and an honest plan to move forward — no credit card, no obligation.
Get my free credit reviewFree · about 15 minutes · phone optional · no credit card · your info is never sold.