CFS Global
04/28/2026
🚨 Most business owners don’t know this — and it’s costing them everything.
When you apply for a business loan, a human isn’t making the first decision.
A computer is.
And that computer is checking 4 specific things before it ever spends a dollar pulling your credit report.
Miss even ONE of them and you get:
❌ Lower approval amounts
❌ Shorter repayment terms
❌ Higher interest rates
❌ Or a flat out decline
Here are the 4 Legs every business must have to be considered bankable 👇
Leg 1 — Lender Compliance 20 specific items lenders scan in seconds via data APIs. You either pass all 20 or the door closes automatically.
Leg 2 — Bank Rating (Low 5 Minimum) Your average daily balance over 90 days. Below $10,000 average and lenders see you can’t service the debt.
Leg 3 — Comparable Credit A reporting tradeline close to the amount you’re requesting. No proof someone trusted you at that level = lower offers every time.
Leg 4 — FICO SBSS 160+ and 70+ with all 4 bureaus The business credit score 99% of owners have never heard of — but every major lender uses to decline you automatically.
Here’s the reality:
We scanned 10,000 small businesses. Only 62 passed. That’s less than 1%.
This is why 90% of small business loan applications are declined — not because businesses aren’t worthy, but because they don’t know what lenders are actually checking.
The good news? Every single one of these legs is buildable.
💡 The free Business Success Scan shows you exactly which legs your business has and which ones need work — in minutes.
Drop “SCAN” in the comments or click the link in my bio to get yours free.
04/24/2026
Most business owners don’t know this strategy exists. 👇
There’s a move where you open a certificate of deposit at a local bank and use it to secure a reporting business line of credit.
That one decision can be the difference between a $500 approval and a $10,000 approval.
And nobody tells you this.
Not your bank. Not your accountant. Not the loan officer who just denied you.
The businesses that access real capital aren’t always the ones with the best revenue — they’re the ones who know how the system works and position themselves accordingly.
Here’s the truth:
✅ You don’t need perfect credit to start
✅ You don’t need a ton of cash sitting around
âś… You just need the right strategy applied to YOUR situation
That’s exactly what our free 150 Data Point Business Scan was built for.
In 3 minutes it tells you:
→ Whether this CD strategy applies to your business right now → What funding you pre-qualify for today
→ Where your business credit scores stand
→ Your exact roadmap to become fully bankable
No credit card. No obligation. Just real data about your business.
💬 Comment “SCAN” below or send me a DM and I’ll send you the free link instantly.
đź”— Or go directly to: https://lnkd.in/eGAT5ujG
WorkingCapital CreditBuilding Entrepreneur CFSGlobalFunding BusinessStrategy
One of the biggest hidden filters in the credit world is the 5/24 rule, most commonly associated with Chase Bank.
Here’s how it works:
• If you’ve opened 5 or more personal credit cards in the past 24 months, you’ll likely be denied—no matter how strong your credit score is.
• Not all cards count:
• ✅ Most business cards from other banks (like Amex or Citi) don’t show on your personal report → they don’t count toward 5/24
• ❌ Chase business cards DO count toward your 5/24 status
👉 Translation: You can accidentally lock yourself out of some of the best cards just by opening too many, too fast.
Banks don’t just look at your application—they look at your relationship with them.
With issuers like Chase Bank:
• Having a business checking account can increase trust
• Regular activity (deposits, usage) makes you look like a real business, not just an application
• Existing relationships can lead to:
• Higher limits
• Faster approvals
• Pre-approvals you didn’t even ask for
👉 Translation: You’re not just applying—you’re being evaluated as a customer.
This one surprises a lot of people:
👉 You can get approved for business credit with $0 in revenue.
Banks (especially issuers like American Express and Chase Bank) often:
• Underwrite you, not just your business
• Focus heavily on your personal credit profile
What matters more:
• Strong personal credit score
• Clean payment history
• Low utilization
👉 Translation: Your creditworthiness matters more than your business income—especially early on.
Approvals aren’t random—they’re strategic.
Your outcome depends on how you:
• Structure your business
• Sole proprietor vs LLC vs corporation can affect how you apply
• Present your personal credit
• Timing, utilization, and recent inquiries matter
• Choose the right cards
• Some issuers are more lenient than others depending on your profile
👉 Translation: Two people with the same score can get completely different results—because strategy matters.
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Address
4614 Highway 280, #1135
Birmingham, AL
35242
Opening Hours
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |