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Funding comes from lenders. Ready comes from us.

ThickAFCredit is not a lender. We build the file lenders read. Then your Director introduces you to independent lenders whose published criteria match it. Every decision is the lender's.

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Three roles. One is never ours.

We build the file.

Six AI specialists clean it, set it up, stack it and keep it ready.

Your Director makes introductions.

A real person goes through the rebuilt file, then introduces you to independent lenders whose published criteria match it.

The lender decides.

Every approval. Every rate. Every term. Whether a personal guarantee is needed. That part is never ours.

Business funding, in plain English.

Six kinds you will hear about. What each one is, without the sales talk.

Business loans

A lump sum from a lender, paid back on a set schedule.

See how it works

Business line of credit

A limit you can draw from, pay back, and draw from again.

See how it works

Business credit cards

A revolving card in the business name for everyday spending.

See how it works

SBA-backed loans

Loans made by lenders and backed in part by the U.S. Small Business Administration.

See how it works

Equipment financing

A loan or lease for equipment, where the equipment backs the deal.

See how it works

Invoice financing

An advance against invoices your customers have not paid yet.

See how it works

These are descriptions, not offers. ThickAFCredit does not lend. Rates and terms are set by the lender.

What lenders read before they decide.

Every lender publishes its own criteria. Most of them come back to the same questions. How long have you been in business? What is coming in? How have you paid what you owe? What do you already owe? Is the paperwork ready?

A thin file leaves those questions open. A thick file answers them before anyone asks.

Ready first. Introductions second.

Phase 1

Clean the file.

AGT-01 reads the whole file and flags what is blocking approval. Then the disputes go out across all 3 bureaus.

See Phase 1
Phase 2

Build the profile.

LLC and EIN if you need them. 15 or more net-30 vendors that report. A DUNS file and a PayDex target of 80 or higher within 4 months.

See Phase 2
Phase 3

Lender introductions.

Your Director introduces you to independent lenders whose published criteria match your rebuilt file. Every decision is the lender's.

See Phase 3
Where the buildout endsLender-ready

A clean file. A real entity. Vendors reporting. Documents waiting. Then the introductions.

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  1. Clean the file
  2. Build the profile
  3. Lender introductions

Straight talk about funding.

What you will never hear from us

  • Guaranteed approvals.
  • That the money comes from us.
  • A rate or a term. Those belong to the lender.

What you will hear from us

  • What is blocking your file.
  • What gets built before any introduction.
  • Which lenders' published criteria fit your file.
  • That every decision is the lender's.

Funding questions.

If yours is not here, bring it to the call. That is what the call is for.

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See all questions

Does ThickAFCredit lend money?

No. ThickAFCredit is not a lender, a broker or a financial advisor. We build your file and introduce you to independent lenders. Every decision is the lender's.

Can you get me approved?

No one but the lender can. What we can do is build the file the lender reads, and introduce you to lenders whose published criteria match it.

When do the introductions happen?

When the file is thick. Your Director goes through the rebuilt file first, then makes the introductions.

What can lenders offer in the business name?

A business line of credit. A business card. A term loan. Every decision is the lender's.

Will I need a personal guarantee?

That is the lender's call. Some lenders offer no-personal-guarantee options. Where they do, we point you to them.

Walk back in with a thick file.

It starts with one free call. A real person. A real plan for your file.

A file gets thick with time. The sooner the first vendor reports, the sooner it counts.

  • You talk with a human Director
  • We reply within 1 business day
  • Detroit-built. Open to founders across the US.
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