Business Funding
Working capital, expansion, equipment or payroll — matched to lenders who actually fund businesses shaped like yours.
Business & Personal Funding
Get Funded on Your Numbers, Not Your Story
Most funding declines come down to a file that wasn’t ready, not a business that wasn’t worth it. We prepare the profile first, then take it to the lenders that fund businesses shaped like yours.
No hard pull to check Takes about two minutes Straight answer either way
Demo figures — replace before launch$25K – $250KTypical funding range
640+ FICOWhere most programs start
1 – 10 daysTypical time to decision
Funding placed for
CONTRACTORSTRUCKINGREAL ESTATE INVESTORSE-COMMERCERESTAURANTSSERVICE BUSINESSESSTARTUPS
CONTRACTORSTRUCKINGREAL ESTATE INVESTORSE-COMMERCERESTAURANTSSERVICE BUSINESSESSTARTUPS
What We Help With
Six Ways We Get You Fundable
Funding isn't one thing. Most declines come from a gap in one of these six areas.
Personal Funding
When the business is too new to stand on its own, the personal profile carries the application. We prepare it first.
Credit Optimization
Utilization, balances, account age and inquiry timing — adjusted deliberately before an underwriter ever sees the file.
Business Credit
A credit profile in the company's name, built in the right order, so the business can eventually borrow without you signing personally.
Fundability
Entity, address, phone, licensing, bank statements and the dozens of small details lenders verify before they say yes.
Strategic Funding Plans
Which lenders, in what sequence, at what intervals — so one application doesn't quietly sink the next three.
How It Works
Four Steps. No Runaround
You'll know where the application stands at every stage, and what's coming next.
01
Apply
A short form, no hard pull. Enough for us to see what programs are realistically in reach.
02
Review
We look at the personal profile, the business profile, and the gaps between you and the lenders that fit.
03
Strategy
Anything that needs fixing gets fixed first — in a set order, so applications land when they'll be approved.
04
Funding
Applications submitted to matched lenders, tracked through to decision, with the next round already planned.
Meet the Founder
Andy Flanders
Founder, Flanders Advisory
Andy Flanders
FounderFor more than 15 years, I built my career in the automotive industry, eventually becoming a General Sales Manager. During that time, I reviewed credit profiles every day, worked with lenders, and helped thousands of people navigate financing and get into vehicles.
But my relationship with credit became personal, too.
After going through the process of repairing and rebuilding my own credit, I gained a firsthand understanding of how overwhelming credit can feel when you don't know what's holding you back or what your next move should be.
I didn't go looking for credit. Credit found me.
Years of reviewing thousands of credit profiles taught me to look beyond the score — to understand the overall profile, recognize potential weaknesses and opportunities, and better understand what lenders may be looking for.
That experience, combined with my passion for helping people reach their goals, became the foundation of Flanders Advisory.
Today, my mission is simple: help individuals and business owners better understand their credit, strengthen their financial position, and strategically prepare for funding opportunities that can help move them toward their goals.
Because sometimes you don't just need an approval. You need the right strategy behind it.
— Andy FlandersFounder, Flanders Advisory
Client Results
What Clients Say
Real words from owners who got funded after being told no elsewhere.
Paste the client's own words. The strongest funding testimonials name what the capital was for and what it changed — the truck, the second location, the payroll gap that closed.
—Client NameIndustry, City
Second testimonial. Owners who'd been declined elsewhere first make the strongest case — say where they'd already tried.
—Client NameIndustry, City
Third. A client who went through credit work first and funding second shows the whole arc — that's the one to lead with if you have it.
—Client NameIndustry, City
Questions
Answers Before You Ask
The things owners actually ask on the first call.
Will checking eligibility hurt my credit?
No. The eligibility check is a soft review of what you tell us — no hard inquiry is placed. Hard pulls only happen later, with your consent, when an actual application goes to a lender.
How much can I get?
It depends on time in business, revenue, and what both your personal and business profiles look like. Anyone quoting you a number before seeing your file is guessing. We'll give you a realistic range after the review.
Can I get funded with bad credit?
Sometimes — revenue-based and asset-backed programs weigh the file differently. Often the honest answer is that a few weeks of credit work first turns a decline into an approval at far better terms. We'll tell you which situation you're in.
Are you the lender?
No. Flanders Advisory is not a lender or a bank. We prepare your profile and connect you with lending partners. Every credit decision, rate, and term is set by the lender, not by us.
How long does it take?
If the file is already strong, some programs decide within days. If there's credit work to do first, plan in dispute cycles of 30 to 45 days. We'll tell you which path you're on before you commit to anything.
What do you charge?
Depends on the scope, which is why we don't quote before looking. You'll have the full cost in writing before you agree to anything.
Your Next Step
Check Your Funding Eligibility
About two minutes, no hard pull. Tell us where the business stands and we'll tell you what's realistically in reach — including if the answer is "not yet, and here's why."
No hard inquiry No cost, no obligation