Most businesses are not declined because of their potential — they are declined because their credit profile, corporate structure, or documentation does not meet institutional standards. We fix that. Our fee is 10% of the funding you receive — nothing until you get paid.
Our Credit Enhancement service is built around one operating principle: alignment. Our fee is 10% of the total funding you receive — payable only after capital has been secured. If we don't deliver, you owe us nothing. That structure forces us to be selective, thorough, and fully committed to your outcome.
We work directly on your personal credit profile, business credit foundation, corporate structure, and funding documentation — repairing what is broken, building what is missing, and positioning you as the kind of borrower institutional lenders compete to approve.
"Banks do not lend to people who need money. They lend to people who want money — and who have the documentation, structure, and profile to demonstrate they don't need it. That is what we build."
Marcos Villa — Founder & CEO, Escher InnovationsDrag the slider to your expected funding amount. Our fee is always 10% — paid only after you receive capital.
These are the exact components underwriters evaluate when reviewing a funding application. We work on all of them — simultaneously — until the profile is fundable.
We systematically remove negative items — late payments, collections, charge-offs, bankruptcies, and public records — using bureau disputes, data furnisher challenges, and federal escalation when necessary.
We target the five components of your FICO score with surgical precision — prioritizing payment history and utilization, which together account for 65% of your score, because these are the fastest-moving levers.
Institutional capital flows through properly structured corporations — not individuals. We build or optimize your entity for maximum funding eligibility, ensuring the right officers, documentation, accounts, and tradelines are in place.
A fundable corporation needs a credit history. We build your business credit profile through primary tradelines, Paydex positioning, and strategic sequencing — creating the institutional track record lenders need to see.
An underwriter evaluates everything: SIC codes, business addresses, bank account age, website presence, stated income, and the narrative your documents tell. We make sure every element communicates institutional credibility.
Timing and sequencing determine whether you get $50,000 or $300,000. We manage the full funding execution — identifying the right lenders, sequencing applications to prevent inquiry stacking, and managing every submission through to close.
Click any step below to see exactly what happens, who handles it, and how long it takes.
Fill out the Escher onboarding form and credit report questionnaire. This gives us everything we need to pull your full four-bureau credit report and begin the assessment. We gather your legal name, address history, and authorization to access your credit file.
From your first audit through to funded capital in your account — every step is handled, tracked, and executed by the Escher team. You never have to wonder where you are in the process.
We pull all four bureau reports, assess your corporate structure, and conduct a complete fundability audit — identifying every item that would cause a lender to decline you before a single application is submitted.
We run the credit repair and build tracks simultaneously — filing disputes, enrolling you in credit-building services, structuring your corporation, and adding tradelines. Both tracks run in parallel to compress the timeline.
Once the profile hits the target threshold, we prepare your full funding package — documentation, business summary, SIC positioning, and lender selection — so every application goes in clean and correctly sequenced.
We manage every submission, respond to underwriter requests, and drive the process through to funded capital. Our 10% fee is due upon successful funding — not before. No funding, no fee.
Your funded amount depends on your starting credit profile, corporate structure, and the timeline you work within. These are the three ranges our clients typically fall into — each with the same 10% performance fee.
For clients starting with limited or damaged credit who need to build a fundable profile from the ground up. Timeline is typically 60–90 days from engagement start.
For clients with a repairable credit profile and a corporation that can be structured for institutional funding. This is the most common range for our clients. Timeline is typically 60–120 days.
For clients with strong or near-ready profiles looking to access maximum institutional capital across multiple entities and Personal Guarantors. Timeline varies based on existing profile.
Book your consultation. We audit your current position, explain exactly what needs to change, and tell you your realistic funding range — before you commit to anything.