Get Funding with The J3 Academy

Are you ready to secure funding and elevate your financial future? At The J3 Academy, we provide the tools and guidance you need to prepare for business or personal funding.

Get Funding with The J3 Academy

Are you ready to secure funding and elevate your financial future? At The J3 Academy, we provide the tools and guidance you need to prepare for business or personal funding.

To maximize your chances of approval, we recommend ensuring the following criteria are met:

Credit Score Requirements:

700+ FICO Score on all 3 major credit bureaus (Experian, TransUnion, and Equifax). Use Experian.com to determine your scores and monitor your credit health.

Credit Profile Guidelines:

No derogatory accounts: Your credit report should be free of any negative marks such as late payments, collections, or charge-offs.100% payment history: Consistent, on-time payments are crucial for maintaining a healthy credit profile.

Primary Accounts:

At least 2 primary accounts with a minimum of 2 years of positive history. This shows lenders that you have managed credit responsibly over time.

Age of Credit:

Minimum 3-year average age of accounts: Your accounts should show a stable and responsible use of credit over the years.

Credit Card Utilization:

Less than 30% utilization on each credit card: Keep your balances low relative to your credit limits to demonstrate responsible credit management.

Hard Inquiries:

Less than 2 hard inquiries per credit report: Limit hard credit checks to reduce the appearance of seeking excessive credit.

To maximize your chances of approval, we recommend ensuring the following criteria are met:

Credit Score Requirements:

700+ FICO Score on all 3 major credit bureaus (Experian, TransUnion, and Equifax). Use Experian.com to determine your scores and monitor your credit health.

Credit Profile Guidelines:

No derogatory accounts: Your credit report should be free of any negative marks such as late payments, collections, or charge-offs.100% payment history: Consistent, on-time payments are crucial for maintaining a healthy credit profile.

Primary Accounts:

At least 2 primary accounts with a minimum of 2 years of positive history. This shows lenders that you have managed credit responsibly over time.

Age of Credit:

Minimum 3-year average age of accounts: Your accounts should show a stable and responsible use of credit over the years.

Credit Card Utilization:

Less than 30% utilization on each credit card: Keep your balances low relative to your credit limits to demonstrate responsible credit management.

Hard Inquiries:

Less than 2 hard inquiries per credit report: Limit hard credit checks to reduce the appearance of seeking excessive credit.

Ready to Apply?

Make sure your credit meets these guidelines, then reach out to us to discuss the next steps in securing the funding you need for your personal or business goals. If you need help optimizing your credit profile, our experts are here to guide you through the process!

Ready to Apply?

Make sure your credit meets these guidelines, then reach out to us to discuss the next steps in securing the funding you need for your personal or business goals. If you need help optimizing your credit profile, our experts are here to guide you through the process!

First Name *

Last Name *

Date of birth *

Address

Street Address *

City

State

Country

Postal code

Phone *

Business Name *

Employer Identification Number (EIN) *

Email *

Business Structure

Business Address

Industry

Years in Operation

Annual Revenue

Average Monthly Revenue:

Average Monthly Expenses

Business Assets and Liabilities

Existing Debts or Loans

Business Bank Account Information

Tax Identification Information

Business Credit Score

Current Financial Statements

Tax Returns

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