The Funding add-on
Repair opens the doors.
Funding walks through them.
The same client file that carries the disputes now carries a funding readiness score, a fit against 109 lenders, a what-if simulator, an AI roadmap, a plan the client works from their portal, a complete business credit builder program, and a ledger that invoices your success fee the day an application funds. One file. Two invoices.
Software, not a lender. Nothing here is a promise of credit — lenders decide. Add-on terms.
How it works
Five steps. The client sees three of them.
The latest parsed report becomes a readiness score from 0 to 100 — score, utilization, derogatories, inquiries and depth, each named, each with its weight. Ready at 75. Blocked under 55.
Every lender in the directory is scored against the file: the gates it publishes (floor, entity, state, bankruptcy lookback, revenue, 5/24), the distance from its preferred floor, and your own logged outcomes once you have three.
Pick the fixes — pay a card under 10%, let inquiries age, add an entity, place an authorized user — and watch the readiness score, the capacity estimate and the lender bands move before the client does any of it.
An AI roadmap classifies the file into one of ten funding scenarios and drafts the order: soft pulls first, one bureau at a time, the 0% stack before the term loan. You edit it, then publish it to the portal.
Log each application and the lender's decision. The first funded outcome drafts the success-fee invoice on the file at the rate you set — percent of funded, flat, or none.
The engine
Descriptive, not predictive. Every number explains itself.
Middle score the way a mortgage lender reads three; utilization in the bands lenders actually use; derogatories weighted by kind; inquiry velocity against Chase 5/24, Amex 2/90 and US Bank; account depth and age. A 40-point spread across bureaus is flagged — it changes which bureau you apply through.
Income or revenue × a product multiplier (term loans 2.5×, card stacking 1.5×, lines 1.0×, personal 0.5×) × a score-tier factor (750+ at 100%, 700+ at 85%, 650+ at 70%, under at 50%), halved when DTI passes 43%. Every multiplier is yours to tune in Settings.
Strong, good, fair, poor or blocked — with the reason in one line: “FICO 22 under their preferred floor · 4 inquiries against a 2/90 rule.” Rules you write push a lender up on files that meet your condition; your own approvals at a lender override the baseline once there are three.
Which bureau each lender pulls, hard or soft, so the sequence never burns the same bureau twice in a week. Soft pre-qualification is flagged on every lender that offers it, and the plan opens with those.
Every inquiry by bureau with its age, in 90-, 180- and 365-day buckets, and the date each lender’s rule clears. “Wait 41 days, then Chase” is a step in the plan, not a guess.
The funding side never suggests a dispute, a goodwill letter or a pay-for-delete — that is the repair side of the same file, and the two are kept separate on purpose. Halo follows the same rule when she talks to the client.
The directory
109 lenders, with what they pull and what they want.
Banks, credit unions, fintech, MCA and equipment lenders — the Big 8 first, then the rest by fit. Score floors and preferred floors, amount ranges, entity and revenue requirements, time-in-business, bankruptcy lookbacks, inquiry rules, bureau pulls per product, the pro tips and the common denial reasons. Add your own lenders, write your own routing rules and playbooks, keep notes and favorites your whole team sees.
Business credit builder
From “I have an idea” to a fundable business. Step by step, in the portal.
A complete program the client works through from their own portal, with your team watching every step: the foundation that makes an entity real to an underwriter, then four tiers of credit in the only order that works. Twenty-nine steps, each with the why, the how and what to have ready. Forty-one vendors and lenders with what they report to and what they want.
LLC or corporation, EIN, a low-risk NAICS code, a real business address, a phone listed in 411, domain email and a website, the business bank account, licenses and DBA, the D-U-N-S number, bureau monitoring, the owner's personal credit, and the consistency audit that catches the mismatch every automated decline is really about.
Three to five starter vendors that report to D&B, Experian and Equifax Business. Pay early, verify the tradelines land, run three clean cycles. PAYDEX 80 is the exit.
Commercial accounts at the retailers a business already buys from, a fleet card for account mix, utilization under 30%, and the three-bureau score check before Tier 3.
No-personal-guarantee charge cards underwritten on the bank balance, a first line of credit, equipment financing, six clean months.
Bank cards, a bank line and SBA — where the Funding plan takes over and sequences the applications against the lender directory.
Operators add their own vendors and steps beside the platform program. Clients check steps off; your team logs the accounts and whether each one reports. Vendor terms change without notice — every row is dated and says how confident we are.
Your numbers
What your book is worth funded.
A repair client pays you once. A repair client who then gets funded pays you twice, and the second cheque is usually larger. Put your own numbers in.
Price
On any plan, month to month, cancel any time. Included on Enterprise. Turns on from Settings → Funding inside your workspace; the Funding tab appears on every client file and the lender directory opens to your team the same minute.
No per-client fee, no share of your success fee, ever. Your fee is your fee.
Questions
Answered straight.
Is this a lender, or a broker?
Neither. SCAIL scores the file and drafts the sequence; you advise the client; the client applies; the lender decides. SCAIL never touches an application or a dollar of the funding, and never takes a share of your fee.
Does it guarantee approvals?
No, and be suspicious of anyone who says theirs does. Every score is descriptive — how the file compares to what the lender publishes and to what you have seen at that lender before. The whole point of the simulator is to make a weak file strong before it is put in front of an underwriter.
How is this different from a funding-only platform?
They start where the file is already clean. SCAIL starts with the disputes, watches the deletions land, and scores the same file for funding the day it is ready — so the client you spent months repairing is the one you fund, on the same portal, with no re-onboarding and no second tool.
Personal, business, or both?
All three. Personal mode scores cards and personal loans; business mode adds term loans, lines of credit, MCA, equipment and SBA, and gates on entity, revenue and time in business; hybrid stacks both. The mode is set per client.
What does the client see?
Their readiness score with the reasons, the plan you published in the order to work it, each step’s playbook (what the underwriter asks, how to present, what figures to have ready), the underwriting read if you recorded one, and every outcome. Not the lender scores, not the simulator, not your draft.
How does the success fee get billed?
You set it once — a percent of the funded amount, a flat figure, or none. Logging an application as funded drafts an invoice on the file for exactly that; you send it. Your client agreement is what makes it collectable, and state law on advance fees is yours to follow.
Does it teach a client how to build business credit from zero?
Yes — the Business Credit Builder is part of the add-on. It walks a client from forming the entity through EIN, NAICS, address, 411, domain, bank and D-U-N-S, then Tier 1 net-30 vendors, Tier 2 store credit, Tier 3 fintech cards and lines, and Tier 4 bank credit. Every step has the why and the how; the vendor directory says who reports to which business bureau. The client works it in their portal and your team logs what was opened and when it started reporting.
Can I add lenders that are not in the directory?
Yes — a local credit union, a private lender, a broker you work with. Yours score on every file beside the platform’s 109 with the same gates, and only your workspace sees them.