Capital Report Card | Excellence by Executive Consulting
Capital Qualification Calculator

You'll Know Exactly
Where You Stand.

A note before you begin —

This is exactly what we run through before deciding whether we can help someone — and more importantly, before you decide if we're the right fit for you. We can't sell you into a program you're not ready for, because then we can't deliver. So we built this instead.

No credit pull needed. No IdentityIQ. No score order. No experience required.

Answer honestly and you'll know exactly where your profile stands — independent of any funding company telling you what to believe. You qualify yourself, or you disqualify yourself. Either way, you know.

· No credit pull needed· No account required· Honest diagnosis only
5Funding Ingredients
14Diagnostic Questions
~2 MinTo Complete
Relationships First
Ingredient 1 · Relationships
Banks approve partners, not strangers. Before your score, before your revenue — this is what they look at first.

Banking relationships with major national lenders?

I
Both personal and business accounts
Full BRM. You have established relationships on both sides — this is the optimal position. Lenders see a long-term partner.
II
Personal accounts only
Open business checking with the same national lenders now. Season 30 days and you're running both tracks.
III
Business accounts only
Add personal BRMs — 30 days to open and season. The relationship you already have helps the new one move faster.
IV
No established banking relationships yet
Step one: open both personal and business accounts with the top national lenders. 30-day minimum before applying — clock starts today.
Credit Partners
Ingredient 1 · Relationships
A spouse or partner with strong credit is a funding partner most people never think to use. We think about it on every profile.

Are you married or in a domestic partnership?

I
Yes
This may open a co-applicant path — one of the most powerful and underused moves in the game.
II
No
Noted. We'll look at other relationship and partnership angles in your profile.
Relationship · Sub-Question
Credit Partner Potential
This one question can completely change which doors are available to you right now.

How does your spouse or partner's credit compare to yours?

I
Better than mine
Strong co-applicant play. Their profile can open doors your file can't reach alone — we build the strategy around that.
II
About the same
Combined application still adds income leverage — two files together change the underwriting conversation.
III
Not as strong as mine
Noted. We build their profile while you run your path — eventually both files work together.
IV
I'm not sure
Worth finding out — it takes 5 minutes and might change the entire strategy. We'll flag this in your results.
Authorized Users
Ingredient 1 · Relationships
Most people don't realize a child with a clean Social Security number is one of the most powerful credit tools available — especially once they're a teenager.

Do you have children under 18?

I
Yes
Authorized user and co-signer potential — depending on their age, this may be a move available to you right now.
II
No
Understood — we'll focus on the other partnership plays in your profile.
Relationship · Sub-Question
Authorized User Strategy
A 13-year-old added to a 10-year-old account graduates at 18 with a credit score most adults never reach. This is a 5-minute move.

How old is your oldest child?

I
13 – 17 years old
Active AU play. Add them to your oldest, cleanest account now. They build history while you build capital.
II
6 – 12 years old
Future play. Start the account now so their history is long by the time it matters. 6 years from now they'll thank you.
III
Under 6 years old
Long runway. Add them to a clean account anyway — every year of history they gain now is a year they don't have to earn later.
Business Partners
Ingredient 1 · Relationships
A business partner with strong credit is a co-signer, a co-applicant, and a second income on the application. One person's weakness is the other person's strength.

Do you have a business partner?

I
Yes
Depending on their credit, this may significantly expand what's available to your business right now.
II
No
Solo path — understood. Your profile determines the full picture here.
III
Not yet — open to it
Worth knowing how a strategic partner changes your funding profile. It often changes it significantly.
Business Partner · Sub-Question
Co-Applicant Potential
This is one of the most underused moves in the game. Two credit profiles can double the available options.

Your business partner's credit compared to yours?

I
Stronger than mine
This changes the conversation. Their profile can lead the application — and your business benefits from both.
II
About the same
Combined income and ownership stake still strengthens the underwriting case. Not a dead end — a double asset.
III
Weaker than mine
You lead the application. Their name stays off until their profile catches up — that's the sequence.
IV
I honestly don't know
Have the conversation. It's a 10-minute pull and it changes the entire strategy depending on what you find.
Income
Ingredient 2 · Income Foundation
Income sets the floor of what's possible independent of your credit score. This is DTI — the number lenders run before they ever look at your file.

Annual personal or household income?

I
$243,726 and above
35–37% bracket. Your income alone qualifies you for instruments most people can't touch. The credit file is the only variable left.
II
$191,951 – $243,725
32% bracket. Strong DTI position. Income alone clears most lender thresholds before they open your file.
III
$100,526 – $191,950
24% bracket. Real income foundation. Combined with even a decent credit file, the path opens significantly.
IV
$47,151 – $100,525
22% bracket. Enough to work with. The credit file and asset picture matter more here than at higher incomes.
V
Under $47,150
10–12% bracket, or business-only income. Business revenue, assets, and credit file become the primary levers here.
Assets
Ingredient 2 · Leverage & Collateral
Different assets unlock different maneuvers. Check everything that applies — the more specific you are, the more specific your results will be.

Which of these do you currently have? Select all that apply.

Cash & Financial
✓
Savings / cash reserves
✓
401(k), IRA, or retirement fund
✓
Brokerage / investment account
✓
Life insurance cash value
Real Property & Land
✓
Home equity / HELOC
✓
Residential real estate
✓
Commercial real estate
✓
Land, lots, or development property
Equipment & Vehicles
✓
Commercial vehicles (trucks, trailers, RVs, buses)
✓
Heavy equipment or machinery
Business & Intellectual Property
✓
Brick-and-mortar business
✓
Online business / digital assets
✓
Brand or intellectual property
✓
Other business interest or equity
✓
None of these currently
Assets · Sub-Question
Leverage Potential
The approximate value determines which instruments and maneuvers are actually available — some doors only open at certain thresholds.

What's the approximate combined value of everything you checked?

I
$500,000 or more
Significant collateral base. Institutional and secured lending options open that most individuals simply can't access.
II
$100,000 – $499,999
Meaningful leverage. Secured instruments, HELOC plays, and asset-backed lines become real options in this range.
III
$25,000 – $99,999
Working asset base. Secured cards, 401K-backed moves, and equipment leverage are all on the table.
IV
Under $25,000
Early stage. Some secured instruments are still available — and building this number is part of the plan we map out for you.
Credit File
Ingredient 3 · Trade Lines & Profile
Score is the result of five factors — payment history, utilization, age, new credit, and mix. We'll get into which ones are driving yours.

Your personal credit score — be honest.

I
750 and above
Prime. Banks compete for this profile. You're in the window — the questions now are how much and how fast.
II
700 – 749
Solid. Two calculated moves away from prime territory — months, not years.
III
680 – 699
Diagnosable. There's a specific reason it's here — and that reason determines the exact fix and timeline.
IV
Below 680
Noted. The path exists — your income, assets, and relationships determine how direct it is from where you stand.
Credit File · Sub-Question
FICO Factor Diagnosis
This is the most important diagnostic question in the calculator. The fix for a thin file is completely different from the fix for six collections.

What's the primary reason your score is where it is?

I
Thin file — not enough accounts or history
Best problem to have. 2–3 tradelines reporting in 30–60 days and the score follows. Nothing to remove — just things to add.
II
High utilization — cards are too maxed out
Most immediately fixable problem in credit. Pay down or transfer to get below 10% and the score moves within 30 days.
III
Collections, charge-offs, or derogatory items
FCRA dispute removes these. The law is on your side — this is what FCRA was written for. Sequence matters.
IV
Late payment history
Heaviest FICO factor at 35%. Time plus new consistent positive history is the rebuild. Goodwill letters work on isolated lates.
V
Multiple factors — combination of the above
We sequence by impact and timeline. Utilization first (fastest), then negatives, then tradelines, then banking.
Trade Lines
Ingredient 3 · Trade Lines
Every new lender compares notes on what others already trust you with. Your highest limit is the number they look at first.

Highest limit on any single account?

I
$20,000 or above
The threshold is crossed. Tell me how far above it — the number changes the strategy significantly.
II
$10,000 – $19,999
Close. Two well-placed tradelines or a CLI request lifts this in 30–60 days. The ceiling is the only gap.
III
$5,000 – $9,999
The bottleneck is the limit, not the score. Most fixable problem in the file — AU tradelines, CLIs, new accounts.
IV
Under $5,000
Building from scratch. Secured cards, credit builders, AU tradelines — then the ceiling lifts. Clear path.
Trade Lines · Sub-Question
Limit Depth
$20K and $250K open completely different conversations. This determines whether you stack or you're already stacking heavy.

That highest limit — how high exactly?

I
$250,000 or above
Elite. You have leverage most people in this game never see. The strategy from here is about stacking and sequencing at scale.
II
$100,000 – $249,999
Premium position. This opens institutional credit and high-limit stack plays most individual profiles can't access.
III
$50,000 – $99,999
Strong. You have meaningful leverage and can stack across multiple lenders from this base.
IV
$30,000 – $49,999
Solid foundation. One CLI or strategic new account and you're in the next tier. Close.
V
$20,000 – $29,999
Just cleared the threshold. Request a CLI before you apply — getting this number higher changes the conversation with every lender you approach.
Age of Credit
Ingredient 3 · FICO Factor: Age
There is no 800 score without a 10-year account. That's not an opinion — it's how the FICO model is built.

How old is your oldest credit account?

I
10 years or more
Deep history. Lenders see a long-term financial partner. This ingredient is fully built.
II
5 – 10 years
Established. Solid foundation for BRM relationships. Strong enough for most institutional programs.
III
2 – 5 years
Building. Young history limits some doors but the path through AU tradelines and seasoned accounts is clear.
IV
Under 2 years
New profile. Time is the one ingredient you can't shortcut — but you can use every day of it starting now.
Inquiries
Ingredient 4 · Inquiries
More than 2 per bureau tells every lender you've been shopping — or worse, rejected. They count this across all three bureaus separately.

Total hard inquiries in the last 12 months?

I
0 – 2 inquiries
Clean. No credit-seeking signal. This gate is open.
II
3 – 5 inquiries
Manageable. Remove before you apply — that sequence is non-negotiable and it works every time.
III
6 or more inquiries
Cleanup first. Removal rounds precede applications without exception. The sequence exists for a reason.
Derogatory Items
Ingredient 3 · Trade Lines (negative side)
Every derogatory item on your file is a written reason a lender says no. We need the count before we build the strategy.

Negative items currently on your credit report?

I
None — clean file
No objections. Lenders see a clean slate and lean forward.
II
1 – 2 items
Targeted disputes remove these. Adds a step to the path — doesn't block it.
III
3 – 5 items
Each one has a specific FCRA approach — by age, type, and bureau. Sequencing and time, both manageable.
IV
6 or more items
Full removal strategy. Every item gets a round. The upside from full rebuild is the largest of any category here.
Utilization
Profile Signal · Utilization
Under 10% gets best results. Over 50% and lenders see a maxed-out borrower before they ever read the rest of your file.

Current credit utilization across all cards?

I
Under 10%
Optimal. Lenders see discipline and available capacity. This ingredient is dialed.
II
10% – 30%
Normal usage. Room to optimize before round one — nothing alarming.
III
30% – 50%
Pay down before applying. High utilization signals risk even to lenders who don't lead with score.
IV
Over 50%
Stack before you apply. 0% transfer, personal loan, or HELOC to get below threshold. Sequence is critical here.
Business
Ingredient 5 · Sequencing & Timing
Revenue unlocks different instruments entirely. This determines whether we sprint or build the runway.

Monthly business revenue — honest number.

I
$500,000+ per month
Enterprise-level. Different playbook — institutional capital up to $150M. The conversation changes completely.
II
$50,000 – $499,999 per month
You have leverage most people don't know exists on their own profile. We use all of it.
III
$10,000 – $49,999 per month
Real traction. Which specific path is open depends on what the rest of your profile says.
IV
Under $10,000 per month
Early stage. Personal credit-based funding is your fastest legitimate path from here.
V
Pre-revenue
The roadmap starts at the foundation — credit, entity structure, banking. Then capital. Clear path forward.
Business Age
Ingredient 5 · Sequencing & Timing
A 2-year-old business is underwritten completely differently than a 2-month-old one. Banks track this independently from your personal history.

How long have you been in business?

I
2 years or more
Established. Banks trust seasoned operators — you have real underwriting leverage that newer businesses don't have.
II
1 – 2 years
Solid start. Some doors open now — more open after the 24-month mark. That clock is running.
III
Under 1 year
Early. Personal credit-based funding is your fastest and most realistic path. We work with this profile daily.
IV
Not launched yet
Pre-launch. Credit, entity structure, banking relationships — then capital. Sequence matters and the clock starts when you start.

Building your capital profile…

Scoring all five funding ingredients against your relationship, income, and credit picture.

5Ingredients
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Capital Report Card
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Find what you don't have, do what you haven't done, learn what you haven't learned so that you can grow. This is going to be a huge unlock for you, and I know 4, 5, 6, 7 years from now, we'll be looking back laughing at the moments where we were hesitant and scary in business.

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