Business Funding & Capital Solutions
Above N Beyond & Associates connects businesses and individuals with the right capital. We repair your credit first, then we fund your future. Lines of credit, SBA loans, equipment financing & more.
Why Most Businesses
Get Denied Funding
Every year, hundreds of thousands of business owners and entrepreneurs are denied the funding they need — not because their business isn't viable, but because of fixable credit and documentation issues.
Business Funding Options We Offer
From startup capital to expansion funding — we have the right product for every stage of your business journey.
The most flexible funding tool for businesses. Draw funds when you need them and pay interest only on what you use — perfect for cash flow management, inventory, payroll, and seizing new opportunities.
Government-backed loans with the lowest interest rates available. SBA 7(a) and SBA 504 loans are ideal for business acquisition, expansion, real estate purchase, and long-term capital needs.
Finance or lease business-critical equipment — vehicles, machinery, medical equipment, and technology — with the equipment itself serving as collateral, making qualification more accessible.
Fast capital based on your business's future sales and revenue. Ideal for businesses with strong cash flow that need quick capital without going through a lengthy traditional bank approval process.
Fix-and-flip loans, DSCR loans, hard money lending, bridge loans, and private money for residential and commercial real estate investors and developers at every stage of their portfolio.
Premium business credit cards with high limits, 0% intro APR periods, cashback rewards, and travel perks — perfect for managing day-to-day business expenses while building your business credit history.
Do You Qualify for Business Funding?
Here's what most lenders look for — and how we help you meet every requirement, even if you don't today.
Don't meet all the requirements yet? That's exactly what we're here for. We'll repair your credit, build your business profile, and prepare your documentation — then submit you to the right lenders at the right time.
From Application to Funded in 4 Steps
A simple, guided process that takes the guesswork out of business funding — we handle everything.
Complete our free funding survey. We assess your credit, business details, and goals to identify the best options for your situation.
We repair your credit first — removing negative items, boosting your score, and building your business credit profile to lender standards.
We strategically submit your application to the right lenders in our network — matching your profile to maximize approval odds and best terms.
Approval confirmed. Funds deposited directly to your business account — often within 24–72 hours of final approval. Growth starts now.
Build a Powerful
Business Credit Profile
Most businesses fail to qualify for maximum funding because they never established a proper business credit profile. We build yours from scratch — creating a strong, independent business credit identity that unlocks higher funding limits without a personal guarantee.
We establish your business with all three major business bureaus, get you listed with primary vendors, and build a business credit file that impresses every lender.
The Only Credit-to-Funding Pipeline
You'll Ever Need
We're the only company that takes you all the way — from fixing your broken credit to depositing funded capital in your bank account. Everything under one roof.
We pull and review all three of your credit reports and identify every item holding you back from approval — nothing is missed.
We dispute and remove negative items, boost your score to lender-qualifying levels, and build your business credit profile from the ground up.
We match you with the right lenders, submit your application strategically, and guide you to funding approval and funded capital in your account.
Frequently Asked Credit Repair
Questions
Get clear, honest answers about our credit repair process before you begin.
Most clients see their first measurable score improvements within 30–45 days of beginning the program. Full results — where we've removed all viable negative items — typically take 3–6 months depending on the complexity and number of items on your reports.
Our clients see an average credit score increase of 100–150 points over the course of their program. Some clients with multiple negative items and a starting score below 550 have seen increases of 200+ points. Individual results depend on what's on your current reports.
Yes, bankruptcies can be disputed. While they are difficult items, we challenge them for accuracy, proper reporting procedures, and compliance issues. In many cases, inaccuracies in how bankruptcies are reported across all three bureaus provide grounds for full or partial removal.
If an item is successfully removed, the creditor has the right to re-verify and reinsert it — but they must notify you within 5 days of reinsertion. We monitor your reports and will dispute any improper reinsertion immediately. Our client education program also helps you prevent new negative items from appearing.
No. We never need access to your bank accounts or credit card accounts. We only need your credit reports (which we help you pull for free), a valid ID for verification purposes, and a signed authorization form allowing us to dispute on your behalf — that's it.
Technically yes — the dispute process is available to everyone. However, our team's expertise in FCRA law, bureau psychology, and dispute escalation strategies produces significantly better results than DIY disputes. Our clients save time, avoid costly mistakes, and achieve results they couldn't on their own.
Ready to Get Your
Business Funded?
Whether you need $5,000 for working capital or $5,000,000 for business expansion — we have the right funding product, the right lenders, and the proven strategy to get you approved. Take the free funding survey now and find out exactly what you qualify for.