Credit Repair & Back Office Accounting
Bad credit and disorganized books are the #1 reason businesses get declined for financing. We fix both — repairing your credit profile and cleaning up your financials so you qualify for the capital your business deserves.
Why Businesses Get Declined for Financing
If any of these sound familiar, our services are built for you.
Low personal credit score (below 650-680)
No established business credit profile
Messy or incomplete financial statements
Unresolved collections, liens, or judgments
Bank statements that do not match reported revenue
Missing or disorganized tax returns
We address every one of these — so your next application gets approved.
Credit Repair Services
We repair both personal and business credit profiles using FCRA-compliant processes.
Business Credit Building
Establish and grow your business credit profile with Dun & Bradstreet, Experian Business, and Equifax Business. We guide you through tradeline building, vendor credit applications, and credit utilization optimization.
Personal Credit Repair
Dispute inaccurate items, negotiate with creditors, optimize credit utilization, and implement strategic credit-building tactics. Most clients see a 50-150 point improvement within 90-180 days.
Derogatory Item Resolution
Collections, charge-offs, late payments, tax liens, and judgments — we analyze every negative item and pursue removal or settlement through FCRA-compliant dispute processes.
Back Office Accounting Services
Clean books unlock better financing. We bring your financials into compliance.
Bookkeeping & Financial Cleanup
Catch up on months or years of neglected bookkeeping. We reconcile accounts, categorize transactions, and bring your QuickBooks, Xero, or FreshBooks up to date so your books tell an accurate story.
Tax-Ready Financial Statements
Properly formatted P&L statements, balance sheets, and cash flow statements that meet CPA standards and lender requirements. No more scrambling at tax time or before a loan application.
Lender-Ready Document Preparation
Banks want specific financial documents in specific formats. We prepare your financial package exactly the way lenders expect to see it — including debt schedules, aging reports, and pro forma projections.
Frequently Asked Questions
How long does credit repair take?
Timelines vary based on the severity and number of negative items. Most clients see meaningful score improvements within 90-180 days. Simple disputes can resolve in 30-45 days, while complex items like tax liens may take longer. We set realistic expectations upfront during your free assessment.
Is credit repair legal?
Absolutely. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Our processes are 100% FCRA-compliant. We never make guarantees or use illegal tactics.
Can you help if my books are years behind?
Yes. We regularly catch up clients who are 1-3+ years behind on bookkeeping. We gather your bank statements, receipts, and records, then reconcile everything in your preferred accounting software. The result is clean, accurate financials ready for tax filing or lender review.
How does this connect to getting a loan?
This is the direct pipeline to financing. Once your credit is repaired and financials are organized, we introduce you to our lending team who can match you with the right loan product. Many clients who were previously declined get approved after our credit repair and accounting services.
Ready to Get Lender-Ready?
Schedule a free credit and financial assessment. We will show you exactly what needs to be fixed and how long it will take.
Free Credit Assessment