No. The Fundability Quiz does not pull your credit at all. When you submit a funding application, it runs a soft pull

only — which has no impact on your credit score. A hard inquiry only occurs if a lender formally extends a credit

offer and you accept it.

Timelines vary by product and profile. For business funding and personal credit lines, approvals through our FinTech network can come as quickly as a few days after submission — significantly faster than traditional bank timelines. HELOC timelines vary based on the lender and appraisal process. Your Financial Specialist will give you a realistic timeline estimate on your strategy call based on your specific profile.

For business funding and credit card stacking, a 680+ personal credit score produces the best results. That said, every profile is different. Take the Fundability Quiz — it evaluates more than just your score, including utilization, derogatory marks, revolving capacity, and business setup. Your Financial Specialist will tell you exactly where you stand on your strategy call.

Not necessarily. Some personal funding products are available to entrepreneurs before their business is formally established. For business funding, having an LLC or corporation, an EIN, and a dedicated business bank account significantly strengthens your application. Your Financial Specialist will tell you exactly where you stand on your strategy call.

That’s what our Funding Readiness Program is for. Our law firm partner works directly on your credit profile — addressing inaccuracies, building positive history, and positioning you for the strongest possible approval. Most clients in this program reach fundable status within 90 days. You enroll, we work, you come back ready.

Business funding — lines of credit and credit card stacking — is tied to your business entity and builds your business credit profile over time. Personal funding is tied to your personal credit and can serve as a bridge strategy: use personal funding to pay down utilization, improve your personal score, then move to business funding with a stronger profile while keeping your personal credit free and clear. Your Financial Specialist will recommend the right sequence for your situation.

A HELOC (Home Equity Line of Credit) lets you borrow against the equity in your home as a revolving line of credit — typically at lower rates than unsecured credit. It’s a powerful option if you own real estate and want to put that equity to work. The Fundability Quiz will flag this as an option if it applies to your profile.

The Fundability Quiz is completely free. The funding application is free to submit. SYP is compensated through our lender partner relationships when funding is successfully placed. If your profile needs readiness work first, our Funding Readiness Program is $99 enrollment plus $299/month, month-to-month, for up to 6 months.

You'll see your personalized Fundability Score and recommended next steps. If your score is strong, you'll be guided to submit a funding application. Your Financial Specialist will review your full profile before your strategy call and reach out within 1–2 business days. From there, it's a 30-minute call that maps your exact path forward.

No. SYP is not a lender. We are a funding strategy and access firm. We connect you with the right FinTech lenders for your profile, manage the process, and stay with you through approval and beyond. The lenders in our network make the final credit decisions.