FIX THE FILE.
THEN ASK FOR
THE MONEY.
Banks don't reject people. They reject files. We rebuild yours, put the business on its own credit, and show you the board before you play it.
Where does your personal credit sit today?
Illustrative only. Real options depend on your full profile, documents, revenue and the lender.
A DENIAL IS A DOCUMENT PROBLEM
WEARING A PERSONAL INSULT.
Nobody at the bank hates you. A system read your file in four seconds and found three things wrong with it. Here's what they usually are.
YOU APPLIED BLIND
No idea what tier you were in, which lenders fund your profile, or what the pull would cost you. The answer was already no before you hit submit.
YOUR NAME CARRIED IT
Personal credit, personal guarantee, personal risk. The business had no file of its own, so it had no borrowing power of its own. You were the collateral.
NOBODY SEQUENCED IT
Order matters. The wrong application in the wrong month burns inquiries you were going to need six weeks later. Timing is a strategy, not an accident.
THREE PHASES. ONE FILE.
Funding is not luck and it is not a favor. It is a sequence, run in the right order, on a file that has been made ready.
POSITION
We pull all three bureaus and read the file the way an underwriter reads it. Inaccurate and unverifiable items get challenged through the proper channels. Utilization, age and mix get restructured on purpose.
BUILD
The business becomes its own borrower. Entity, EIN, address, bank and a tradeline sequence that actually reports — so your personal name stops being the thing on the hook.
FUND
You see the board before you play it. We match your profile to lenders who fund profiles like yours, and you understand the structure and the cost before a single hard pull lands.
WHAT WE POSITION YOU FOR
Six ways money comes into a business. Most owners only ever hear about one of them.
BUSINESS LINES OF CREDIT
Revolving access you draw on as jobs land and pay back as they clear. The workhorse for payroll gaps, material runs and the month a client pays late.
0% INTRO BUSINESS CREDIT
Stacked and sequenced so the introductory window gets spent on growth instead of interest — and so the exit plan exists before the promo period ends.
TERM LOANS
Fixed money against a fixed plan. Buildout, hiring, acquisition, a second location. You should be able to name the return before you sign the note.
EQUIPMENT FINANCING
The asset secures itself, so the file carries less weight. Often the first real yes a young business can get — and the tradeline that opens the next three.
REVENUE-BASED ADVANCES
Fast, expensive and situational. We will tell you plainly when this is the wrong tool — which is most of the time — and when it genuinely is not.
SBA READINESS
The paperwork war, prepped months in advance. Clean books, clean entity, clean story — so you are not assembling a package the week the bank asks for it.
THREE FILES WE SEE EVERY WEEK
THE 540 WITH A REAL BUSINESS
Revenue is coming in. The personal file got wrecked in a hard few years. Every lender sees the score first and stops reading right there.
Audit and dispute what is inaccurate, then build the business file in parallel so you are not waiting on one number.
THE BRAND-NEW LLC
Filed last month. No history, no tradelines, no bank relationship. Technically a business, functionally invisible to every underwriter alive.
Compliance cleanup and a reporting tradeline sequence. A file has to exist before anyone can call it strong.
MAXED OUT AND PROFITABLE
Good income, good work, cards sitting at ninety percent. Utilization alone is holding an otherwise fundable profile hostage.
Utilization restructure and business-side limits, so personal cards stop being the operating account.
YOU GET A STRATEGIST,
NOT A SUBSCRIPTION.
Most people don't need more hustle. They need somebody who has read the file before.
Laster Capital was built by an operator who financed a company the slow, expensive way first — and then went back and learned the system that would have made it cheap. That's the whole reason this exists.
Every client works with one strategist. Same person from the audit through the approval. You will know what is happening to your file, why it is happening, and what it should do next. No portal you log into alone. No script.
WE'D RATHER TELL YOU NOW
This work is specific. It is excellent for some people and a waste of money for others.
BUILT FOR YOU IF
NOT FOR YOU IF
THE QUESTIONS THAT ACTUALLY MATTER
CAN YOU REMOVE ACCURATE NEGATIVE ITEMS?+
No. Nobody legitimately can, and anyone promising it is selling you a problem. What we challenge is information that is inaccurate, unverifiable or improperly reported — documented, through the proper channels. The rest of the work is structure: utilization, mix, age, and a business file that can stand on its own.
HOW LONG DOES THIS TAKE?+
It depends entirely on what's in the file. Utilization changes can move a profile in a cycle or two. Building business credit that lenders respect is usually several months of deliberate sequencing. Anyone who gives you a date before reading your report is guessing.
WILL THIS PUT A HARD PULL ON MY CREDIT?+
The review starts soft. Hard pulls only happen when you are actually applying, and only after you have seen who we're applying to, why that lender, and what the structure looks like. Inquiries are a resource. We spend them on purpose.
DO I NEED REVENUE TO START?+
No. Startups are welcome, and honestly it's the best time to start — you get to build the file correctly instead of repairing it later. We'll tell you plainly which doors are open at your stage and which ones we are building toward.
WHAT DOES IT COST?+
It depends on the scope of the audit and the build, and you'll get a flat number in writing before anything starts. No percentage of your funding. No fee that appears later.
DO YOU GUARANTEE FUNDING?+
No, and be careful with anyone who does. What you get is a file built to be fundable and a plan that stops you applying blind. That is the part inside our control, and it is the part almost nobody does.
YOU ALREADY KNOW
WHAT THE SCORE SAYS.
FIND OUT WHAT THE
FILE CAN DO.
The audit is where every client starts. Soft review, full read, honest answer about whether we can help you at all.
REQUEST YOUR FILE AUDIT
Four fields. That's the whole gate.
No hard credit pull is performed to schedule an audit.