Skip to content
+1 (631) 212-1341 Free Credit Analysis

Business and personal funding

Get funding-ready before you apply, and apply with confidence.

Applying too early costs you twice: a likely denial, plus hard inquiries that lower your score. Aunify reviews your credit, helps you prepare your documents, and connects you with lending partners for personal and business funding when you’re ready.

Check My Funding Readiness See How It Works

Personal funding

For major purchases, debt consolidation, auto financing or a financial cushion.

  • Personal loans
  • Debt consolidation loans
  • Auto financing
  • Personal lines of credit

Business funding

For startups and established businesses looking to launch, grow or cover cash flow.

  • Business lines of credit
  • Term loans
  • Equipment financing
  • Business credit cards

How funding readiness works

Four steps from credit review to lender match

  1. Credit review

    We review all three credit reports, your utilization, inquiries and debt-to-income ratio.

  2. Readiness plan

    If your profile isn’t ready yet, we tell you what to fix first, and how long it should take.

  3. Document prep

    We help you organize the tax returns, bank statements and business documents lenders ask for.

  4. Lender match

    When you’re ready, we connect you with lending partners that fit your profile and goals.

What lenders look at

Know your numbers before a lender does

Lenders weigh several factors beyond your credit score. We review each one with you so there are no surprises.

  • Credit score and payment history
  • Credit utilization
  • Debt-to-income ratio
  • Recent inquiries and new accounts
  • Time in business, revenue and cash flow (business funding)

Document checklist

What you’ll commonly need

  • Government-issued ID
  • Recent pay stubs or proof of income
  • Tax returns, often for the last two years
  • Bank statements, often for the last 3 to 6 months
  • Business formation documents and EIN confirmation
  • Profit-and-loss statement for business applicants

Exact requirements vary by lender and product. We help you gather and organize everything before you apply.

Funding pricing

Clear pricing, disclosed before you commit

You’ll receive a written disclosure of any Aunify fee, and any compensation we receive from lending partners, before you proceed.

The honest part

  • Aunify is not a lender and does not make credit decisions
  • Lending partners set all approvals, amounts, rates and terms
  • We never promise approval or a specific funding amount
  • If your credit isn’t ready, we’ll tell you, and show you what to fix first

Free funding readiness check

Find out if you’re ready to apply

Tell us about your goals. We’ll review your credit profile and tell you honestly whether to apply now or what to fix first. Our review does not affect your credit score.

Required