Process ยท Funding fulfillment

The path to funding

How a client who just paid becomes a funded client with 0% business credit cards. Eight steps, one gate, one clock.

The path to funding Eight steps from a paid client to a funded client. Sale, intake, plan, action call, packet build, dispute submission call, optimization, then the funding sequence. FIRST 48 HOURS AFTER THE ACTION CALL, RIGHT TO LEFT 0-2H 2-12H 24-48H SAME DAY BOOKED DAY 5 GATE SALE Closer takes payment Books Action Call 24 to 48h out Sends form and report links The clock starts at payment INTAKE Form and report come in Alfred posts the credit breakdown Missing? Phone the client same day No waiting on a $30 report PLAN Plan built in 24 hours Score the Cinderella checklist Inquiries, LLC, paydown, 5KO Portal built before the call CALL Action Call, 60 min Sign agreements, walk the plan Freezes and paydown date live LLC filed, dispute call booked BUILD Packets built between calls Client: police report, notary Us: FTC letters, full packets Business checking open day one DISPUTE Dispute Submission Call One Zoom, one batch, all bureaus Client reads 2FA codes live Day 5: we call each bureau CLEAN Optimize until it is clean Refresh report, rescore checklist Every card under 30% Runs 30 to 90 days FUND Funding sequence runs Five factors set the bank order All applications on one Zoom Client's device, home IP LEGEND STEP FUNDED LABEL ON AN ARROW = TIME FROM THE PREVIOUS STEP, OR THE GATE TO PASS

What the client gets

$30K to $75K

Round one, typical

$100K+

Full sequence target

30 to 90 days

Optimization before funding

The gate

Nothing moves to funding until every box is true

  • 700+ score, no negatives, same info on all 3 bureaus
  • Every card under 30% utilization, not the average
  • 4+ personal accounts, 3 revolving in the client's name, one with a $10K+ limit
  • 2+ years average age
  • LLC 30+ days old, consulting NAICS 541611, home state

The branches

Where the plan forks

  • Cash on hand: Chase first. No cash: Elan and Amex first, no deposit needed, liquidate, then open the deposit banks
  • Negatives on file: 5KO packet, results in 5 to 10 business days
  • LLC bad or missing (about 90%): file fresh the same day, open checking right away
  • 3 negative inquiries on a bureau: stop that bureau, remove, continue

The clock

The client never waits on us

  • Red at 48 hours pending, purple at 96
  • Waiting on a bureau, bank or client does not stop the clock
  • Blocked: escalate in Slack the same day
  • Every call ends with the next call booked

Source: Commando Operating System (SOP 00 to 11) and the Aug 2026 funding bootcamps. Dollar figures are typical, never guaranteed. The client's only homework: police report, notarization, agreed payments. No applications on their own.