Find out what lenders actually see when they look at your business.
Book a free assessment with Cedrick Phillips. He'll review your business profile, show you where your fundability stands today, and give you a step-by-step roadmap — on one call.
FREE DOWNLOAD
The Business Credit Starter Guide
The 8 foundations lenders and vendors look for before they extend commercial credit. Instant download.
WHY APPLICATIONS GET DECLINED
Your credit score is one line on a much bigger report.
Most owners find out their business isn't fundable at the worst possiblemoment — mid-application, after a decline. Lenders, vendors and financecompanies weigh your entire business profile. Fundability is the work you do before you apply.
Cedrick has read this file before.
Cedrick Phillips founded Fundswell Consulting Group to fix a specific problem: business owners being told to "build credit" with no idea what that actually means, in what order, or what a lender is looking at when they say no.
He built the Fundability System™ as the answer — eight phases, in sequence, from entity setup through funding readiness. On your assessment call, Cedrick tells you which phase your business is actually in and what the next step is. That's the call. No pitch deck.
Eight phases. In order.
No skipping ahead.
Fundability is sequential — supplier credit doesn't work without vendor history, and vendor accounts don't work without a clean foundation. Your assessment tells you which phase you're standing in right now.
Fundability is sequential — supplier credit doesn't work without vendor history, and vendor
accounts don't work without a clean foundation. Your assessment tells you which phase
you're standing in right now.
Build a business that verifies. Every lender check starts here.
Formation guidance · EIN registration · Business address strategy · Business phone & email · Website & domain · Banking preparation
Make your business consistent everywhere it gets looked up.
Business verification · Secretary of State review · Business listings · Industry classification · Compliance review · Documentation strategy
Establish the first reporting payment history in your business name.
Vendor credit strategy · Net-30 education · Trade reference planning · Vendor relationship guidance . Commercial credit education
Extend purchasing power as operations grow.
Supplier credit strategy · Purchasing power planning · Trade account guidance · Purchasing structure · Supplier relationships
Separate transportation and fuel spend from personal finances.
Fleet card readiness · Fuel card guidance · Commercial fleet accounts · Transportation business support · Fleet credit strategy
Prepare the business profile before you apply for a work truck, van or equipment.
Business profile review · Financial organization · Credit profile assessment · Vehicle finance strategy · Commercial lending preparation
Strengthen the commercial profile over time, deliberately.
Commercial credit education · Credit profile review · Business credit strategy · Monitoring guidance · Responsible credit management
Position the business to explore financing from a prepared footing.
Working capital readiness · Line of credit preparation · Equipment financing readiness · Commercial vehicle financing · SBA loan preparation
REAL CLIENTS
In their own words.
WHY CHOOSE US
What a fundable business can actually do.
Finance a work truck or van in the business EIN
Open vendor and supplier accounts on net terms
Qualify for fleet and fuel cards in the business name
Stop personally guaranteeing every account
Walk into a lender conversation already prepared
From first call to action plan
Three steps. You'll know where your business stands before you hang up.
Pick a time and book
Choose a slot, share a few details about your business, and your free assessment is locked in. Takes under two minutes.
Cedrick reviews your profile
On the call, Cedrick walks through your foundation, credibility and credit profile, and identifies what's standing between you and fundability.
Leave with a roadmap
You get your phase, your priority order, and a realistic timeline. If working together makes sense, Cedrick explains exactly what that looks like.
Engagements are scoped on the call — a startup in phase one and a contractor in phase six need different work on different timelines.
HOW ENGAGEMENTS WORK
Matched to your business, not a package off a shelf.
A startup in phase one and an established contractor in phase six needdifferent work on different timelines. Cedrick scopes your engagement on the assessment call, based on the phase your business is actually in.
Pricing decision pending — recommend a "programs start at $X" line here. See note in handoff.
→ A written fundability roadmap specific to your business
→ Phase-by-phase implementation guidance
→ Vendor and supplier account strategy
→ Commercial credit profile monitoring guidance
→ Direct access to Cedrick throughout the engagement
What people ask before they book.
Is the assessment really free?
Yes. It's a 20–30 minute call with Cedrick. You leave with your phase and a roadmap whether or not you ever work with Fundswell.
Will this affect my credit score?
No. The assessment itself does not affect your credit score. If a future funding application requires a credit check, it will be explained before you proceed.
Can you guarantee I’ll get funded?
No legitimate company can guarantee funding. Approval depends on your credit profile, business structure, revenue, lender requirements, and other factors. We help you become better prepared and positioned to qualify.
How long does building fundability take?
The timeline depends on your business’s current condition. Some businesses may need only a few adjustments, while others require more time to establish a strong, lender-ready foundation.
I already have good personal credit. Do I need this?
Yes. Good personal credit can help, but lenders also evaluate your business structure, financial profile, credibility, and overall fundability. We help ensure the business side is properly prepared.
Do you fix personal credit?
Our primary focus is business fundability and funding readiness. If personal credit issues could affect your options, we’ll identify them and recommend the appropriate next steps.
Who is this for?
This is for new and established business owners who want to build business credit, strengthen their funding profile, and confidently prepare for financing.
What if my business is brand new?
That’s a great time to start. Building the right foundation from the beginning can help you avoid costly mistakes and position your business for stronger funding opportunities.
FREE ASSESSMENT
One call and you'll know where your business stands.
One call and you'll know where
your business stands.
What's on your business profile, which phase you're in, and what to do next.
Free, and yours to keep either way.
Free 20–30 minute call with Cedrick Phillips · No obligation
© 2026 Fundswell Consulting Group
Nationwide · Startups to established operators