Free Consultation
CREDIT REPAIR

Bad credit shouldn't stop your business.

Poor credit blocks funding, raises rates, and limits your options — but it doesn't have to stay that way. We connect you with specialists who repair credit for business owners specifically. Free consultation, no upfront cost.

Timeline
3–6 months
Avg Score Gain
+80–150 pts
Monthly Cost
$79–$149
Timeline
3–6 months
Avg Score Gain
+80–150 pts
Monthly Cost
$79–$149
Consultation
Free
— PROCESS —

How it works

Step 1

Free Credit Assessment

We review your credit reports across all three bureaus and identify every item that can be disputed or removed.
Step 2

Expert Dispute Management

Our specialist partners challenge inaccurate, unverifiable, and outdated negative items on your behalf under FCRA and CROA.
Step 3

Score Improvement + Funding

Once your score hits your target, we reconnect you with Bridge for the capital you originally needed — at better rates.
— ADVANTAGES —

Why this product works for you

  • Built for business owners
    We work on both personal FICO (required for most small business loans) and business credit profiles — Dun & Bradstreet, Experian Business, and Equifax Business.
  • FCRA-protected disputes
    Every dispute is backed by the Fair Credit Reporting Act. Bureaus legally must investigate and remove items they can't verify within 30 days.
  • No long-term contracts
    Month-to-month enrollment with most partner firms. Cancel anytime if you're not seeing results.
  • Bridge to funding
    The goal isn't just better credit — it's getting you funded. We track your progress and reconnect you with capital options as your score improves.

Ideal for businesses with

  • US-based business owner
  • Personal credit score below 650 (if you qualify above 650, you likely don't need repair)
  • History of late payments, collections, charge-offs, or other derogatory items
  • Wants to qualify for business funding, a commercial real estate loan, or better rates
Speed
3–6 months
Term
Month-to-month

Start your free credit assessment

Takes 5 minutes. Our specialists will pull your reports and tell you exactly what can be removed — no cost, no obligation.

Get my free assessment

— WHAT WE DISPUTE —

Common items our specialists remove

Late payments and charge-offs
Collections and judgments
Bankruptcies (Chapter 7 & 13)
Tax liens and civil judgments
Identity theft and fraud items
Inaccurate personal information
Duplicate accounts and errors
High utilization reporting

— SCORE TARGETS —

What each score unlocks

550–599

Working Capital Eligible

Qualify for most working capital advances. Higher factor rate.

600–639

Better Terms + Lower Cost

Access to better factor rates, longer terms, higher advance amounts.

640–679

SBA + Term Loans Unlock

SBA 7(a) loans, traditional term loans, and equipment financing become available.

680+

Full Product Suite

All products available at best rates. Commercial real estate, lines of credit, SBA preferred.

— FAQ —

Common questions

How long does credit repair take?

Typically 3–6 months for meaningful score improvement. Most clients see their first disputed items removed within 30–45 days. Complex cases with multiple derogatory items may take 6–12 months.

What credit score do I need to qualify for business funding?

Most working capital lenders require a minimum 550 FICO score. For better rates and terms, a 600+ score is preferred. SBA loans and commercial real estate typically require 640+.

Can you repair business credit as well as personal credit?

Yes. Our specialists work on both personal FICO scores (which affect most small business loans) and business credit profiles (Dun & Bradstreet, Equifax Business, Experian Business). Building your business credit separately from your personal credit is one of the most valuable long-term strategies.

Is credit repair legal?

Yes. Credit repair involves legally disputing inaccurate, unverifiable, or outdated negative items on your credit report — a right protected under the Fair Credit Reporting Act (FCRA). Our partner firms operate under the Credit Repair Organizations Act (CROA) with full compliance.

How much does credit repair cost?

Typically $79–$149 per month with no long-term contracts. The referral consultation through Bridge Capital is completely free. You only pay once you're enrolled directly with the specialist firm.