Free Lenders List

The lenders list, and which bureau each one pulls.

Applying blind is how you collect inquiries instead of approvals. This is the list of who lends to newer businesses, what each one checks, and the order to approach them in.

  • Who actually approves newer businesses Not the household names that decline everyone under two years.
  • Which bureau each lender pulls Experian, Equifax, Dun & Bradstreet or SBFE. Applying to three that all pull the same file is three inquiries for one answer.
  • What they want to see first Entity, EIN, business bank account, and the profile depth each tier expects.
  • The order to apply in Sequence is most of the game. The easy approvals build the file that earns the hard ones.
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Why it matters

Most denials are avoidable.

They come from applying to the wrong lender, in the wrong order, before the file was ready — not from anything wrong with the business.

Inquiries are not free

Each application marks the file. A scattershot round of applications can make the next real one harder.

Bureaus are not interchangeable

A lender that pulls SBFE cannot see the file you have been building at Experian.

Questions

Before you start.

Is this really free?

Yes. Enter an email and it sends.

Is it current?

The list is maintained. Lender criteria move, so it is worth re-checking before a funding round rather than working from a copy saved last year.

Do I need an established business?

No, and that is the point — the list marks which lenders will look at newer entities.

The lenders list, and which bureau each one pulls.

Send me the lenders list

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