Personal funding
Use your own credit when the business isn't ready to.
Many first businesses are funded on the owner's credit. We'll show you which path costs less and which lenders are suited to your profile.
Funding options we help with
- Unsecured lines of creditRoom to draw when a launch or a personal expense can't wait on a bank.
- Term loansOne amount and one schedule — useful when the use of funds is specific.
- Startup funding on personal creditLaunch capital in your name while the business builds its own credit.
- Home mortgages and student-loan refinancingHandled by licensed mortgage professionals we work with. We'll help you get ready and make the introduction.
Fees
No upfront fee. We're paid a success fee — typically 10–12% of the amount funded — only when you're funded.
What lenders look at
- Credit score and payment history
- How much of your available credit you're using
- Recent hard inquiries
- Income you can document
Who it's for
Owners and individuals using their own credit
People who need an unsecured line of credit or a term loan in their own name, and owners launching a business that doesn't have its own credit yet. Many first businesses are funded on the owner's credit while the company builds its own.
Once the business is established, business funding can carry more of the load. Home mortgages and student-loan refinancing are handled by licensed mortgage professionals we work with; we help you get ready and make the introduction. For investment property, see real estate funding.
How it works
- 01 · Funding questionnaireWhat the money is for, how much, and how soon. About two minutes, no hard inquiry.
- 02 · iSoftPull readiness checkWith your okay, a soft credit check that shows where you stand, with no score impact.
- 03 · Credit readinessIf something is holding you back, we tell you exactly what has to change. That advice is free.
- 04 · Lender match and fundingWe match you with lenders suited to your profile. A hard inquiry happens only after you accept a specific offer.
Personal funding questions
Before you use your own credit.
Not sure which path costs less? Book a free call or call (877) 356-8006.
Will this hurt my credit?
No. With your okay, we run a soft credit check through iSoftPull, which does not affect your score. Applying everywhere drags your score down, so we find the right lender first.
What do lenders look at?
Your credit score and payment history, how much of your available credit you're using, recent hard inquiries, and income you can document. Your readiness check shows where you stand on each.
Should I fund my business on personal credit?
Sometimes it's the right first step, and sometimes business credit costs less. We'll show you which path costs less for your situation before you apply anywhere.
Are you a lender?
No. Operation Lend is not a direct lender or a mortgage broker. We work with banks, lenders, and licensed mortgage professionals, and we guide you until you're funded.
What does it cost?
No upfront fee. We're paid a success fee only when you're funded, disclosed in writing before you start.
Find out what you qualify for.
Answer a few questions — about two minutes, and it won't touch your score.