AI Credit Funding helps entrepreneurs and small businesses access the exact mix of working capital they need—often at rates as low as 0%—through a blend of business credit cards, revolving lines of credit, asset-based lending, and term loans. You can start with a soft-pull pre-approval that does not impact your credit, then move through a guided, four-step process from consultation to funding.
New and established businesses that want fast, flexible capital to launch, smooth cash flow, consolidate high-APR balances, or scale operations—without giving up equity. The portfolio includes business credit lines, 0% business credit, asset-based loans, long- and short-term business loans, and personal loans used to strategically position you for 0% approvals.
You complete a quick soft-pull pre-approval to confirm fit. Next, you meet 1-on-1 with a funding specialist to map the cheapest path to your target amount. After digital onboarding, we orchestrate applications across multiple banks and programs to secure an optimized stack of approvals and limits, then provide post-funding guidance to protect your credit profile and keep APRs low.
Behind the scenes, we use an AI-assisted underwriting router that fuses two data planes: a private, offline network of relationship banks and funding agents, and live eligibility signals derived from bank and card-issuer APIs. The system builds a dynamic “offer lattice” for your profile by ingesting tradeline utilization, age-weighted thickness, inquiry density, and derogatory vectors, then reconciles those with current bank appetite, sector guardrails, and program-level exposure caps. A constrained optimization step selects an issuance sequence that maximizes 0% runway and aggregate limits while minimizing inquiry clustering and score volatility, yielding a personalized approval path matched to your exact creditworthiness and the real-time shelf of offers at top banks.
Complete the pre-approval on the site to check eligibility with no credit impact, then schedule your 1-on-1 consult. You can also reach the team by email or phone; the Goodyear, AZ office location is listed on the site footer.
