Questions & Answers

Get answers to all your questions fast here from our most FAQs.

Business Credit

Can you help me get money for a startup business?

Yes, we have funding programs especially designed for new startup businesses and franchises. If you have good personal credit or a good credit personal guarantor you can secure up to $150,000 for your new business.

Can you help me get money for my business if I have no financials?

Yes, over 90% of our funding programs require no financials to qualify.

Can you help me get money for my business if I have bad personal credit?

Building business credit correctly means there is rarely a personal credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit by building their business credit.

If the business owner has credit challenges and also has some kind of collateral, business cash-flow, or personal guarantor, they can also get funding along with business credit.

Funding can be secured in as little as 30 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, 401k and securities, even consistent revenue.

Do you offer business credit or cash funding?

We offer both, business credit and funding services for our clients. We help clients first obtain money for their business through over 30 financing products and over 2,000 lenders. We then help clients build their business credit so they can obtain even more money with no personal guarantee or credit check.

Can I get approved for money for my business?

Yes, yes, and yes we can help you get money for your business. Our business credit building system helps you build credit for your business, even if you have a brand new business. You can then use your credit to obtain higher credit amounts, even funding.

And your business credit can be built regardless of personal credit quality. So even with challenged personal credit, you can still build credit and obtain funding for your business.

If your business has collateral or cash flow, or if you have good personal credit, or if you have a good credit personal guarantor, you can then typically secure money quickly on top of the business credit you acquire.

How much money can I really get with you?

Our clients can be approved for millions-of-dollars in funding if you have equivalent collateral or financials.

Even businesses new startup businesses with no collateral can obtain up to $150,000. While businesses with collateral can secure hundreds-of-thousands of dollars to millions-of-dollars depending on the value of the collateral and/or cash-flow you have.

How quickly can I get money with you?

To obtain business funding lenders typically want to see that you have either Collateral, Cash flow, or Credit, whether it’s personal or business credit. If you have collateral, cash flow, or good personal or business credit, then you can typically secure money within 30 days or less.

If you have challenged personal credit, no collateral, no business cash flow, you can still secure money using a good credit personal guarantor. With no guarantor or collateral or cash flow, you will need to build business credit to obtain funding which can take up to 12 months.

How do I know if I am a good fit for your company to work with?

If you have great credit, you can secure money through the finance suite even if you are looking for funds to start a business. And you won’t need to show financials to qualify. Even if you have a co-signer, or a good credit personal guarantor, you can secure money with this program.

If your business has some type of legitimate business collateral, you can also qualify for funding, even if you have challenged personal credit now. Acceptable collateral includes purchase orders, account receivables, inventory, equipment, credit card sales, commercial real estate, 401ks and IRAs, securities such as stocks, and most other forms of legitimate business collateral. You can even qualify for funding if your business has consistent cash flow each month.

You can also qualify for funding if you have good business credit built. If you don’t have this built, our system will help you build your business credit so you can secure funding based on your business credit profile.

If you don’t have good credit, or good business credit, and if you have no cash flow yet for your business, no acceptable collateral, and if you also have no co-signer, you will not secure money quickly through the finance suite. If you are in a rush to get money and you don’t have any of these essentials, it will take you a year of business credit building to truly secure cash money.

So if you are in a hurry and don’t have these essentials, we might not be the best solution for you.

But if you do have one of the essentials, not all of them like a bank requires but even just one, you stand a good chance of benefiting from the Business Finance Suite.

Credit Repair

What Is Credit Repair?

Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).

How Does Our Service Work?

Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).

What Items Can Be Removed?

This is a tricky question. For one, we can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, MANY items on most people’s reports could fall into one of those categories.

How Long Does This Service Take?

We provide all our clients with an estimated time frame for service. In general, clients are usually with us from 3 to 6 months. However, this is not saying all items will be removed in that time frame or that all items will be removed at all. This is just the usual time frame people choose to stay in our program. Since we do not charge deletion fees until we achieve results, we work to achieve those results as fast as possible.

Why Do I Have To Prove My Identity?

The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don’t supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proofs. You must send at least two of the following:Driver’s License Utility Bill Pay Stub with Social Security number W2 Form Lease Agreement Bank Statement Cancelled Check

How Much Will My Score Go Up?

As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. REMEMBER! EFC is hired only to help remove items from your report that you wish for us to work on, the score change is simply a byproduct of our service.


We must make it very clear, EFC does not give any type of loans or financing. Therefore, we can not tell you if you will be approved for any of those things. Many people come to us with very poor credit and hope to be approved for loans or funding programs with very strict financing guidelines. Remember from above, if we can’t promise you ANY item is going to be removed from your report, how could we possibly assure you that you will be approved for a loan after working with our program? We are here to help and we help hundreds of people, but please do not expect miracles.


Credit repair is kind of like getting your car fixed… The mechanic is going to need to see under the hood. You keeping a monitoring service is our way of looking under your proverbial credit “hood”. It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed.Keeping a monitoring service is a requirement of our service. As per our Terms of Service, failure to keep an active monitoring account could result in a $100 cancellation fee.

Why Don't My Scores Match?

Many people are confused by the online services that offer credit scores. People obviously assume that their credit score is the same at all these sites. This simply is not the case. Each site uses their own scoring model which could be a little (or a lot) different than the next.