▷ 20% IS BASED ON YOUR BUSINESS DATA AND IDENTITY. Lenders want borrowers who seem trustworthy, professional, and low- risk. Instead of viewing you as a “self- employed business owner,” they prefer to see you as an “employed professional” running a legitimate business. The old PAYDEX score? It’s no longer a key factor. What matters now is whether your business fits the automatic underwriting guidelines. BECOMING A “QUALIFIED FUNDABLE ENTITY” To succeed in this new system, you need to structure your business as a Qualified Fundable Entity (QFE). This means: 1. YOUR BUSINESS MUST APPEAR LEGITIMATE, WITH CLEAR OWNERSHIP AND REAL CASH FLOW. 2. YOUR PERSONAL AND BUSINESS INFORMATION MUST ALIGN WITH WHAT LENDERS EXPECT TO SEE. Think of your business as separate from yourself. You are the strategist—the one making decisions—while your QFE is the professional face of your business. When your business fits the lender’s automatic approval criteria, the process is smoother, faster, and more reliable. Automatic underwriting saves you time and improves your chances of approval. Lenders don’t need to spend hours analyzing your documents—they can quickly see that your QFE meets their standards. By creating this perfect model, you make yourself and your business more attractive to lenders. Adapting to the new paradigm of automatic underwriting is essential for growing
your business. By structuring yourself as a Qualified Fundable Entity, you can become a lender’s ideal customer. This approach builds trust, simplifies the funding process, and sets you up for long-term success. Remember: You’re not your business deals—you’re the strategist. Separate your role from your business identity, and you’ll unlock more opportunities for funding. The funding game has changed. Learn the rules, and you’ll master it.
MERRILL CHANDLER
Merrill Chandler, a personal and business credit pioneer and co- founder of Lexington Credit Repair Law Firm, became dissatisfied more than 30 years ago with the ineffective results of credit repair. He discovered that getting approved for personal or business credit did not rely on a credit score but, in fact, was the result of having “fundable” borrower behaviors. With the right strategies, a borrower can “optimize” their financial behaviors to become highly fundable, increasing the frequency and amount of their credit approvals. He co-founded Get Fundable! to help real estate and business entrepreneurs nationwide grow their businesses the way they want, resulting in his students and clients becoming more fundable and getting more than $250 million in funding. If you want to learn more, check out www.getfundable.com.
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