Business funding · Credit repair
We help startups and established businesses find the right funding with our bank partners. If your credit isn't ready yet, we repair it first.
What we do
Main service
Any type of funding, for startups and established businesses. We work with different banks to find the options that fit you.
Capital to get a new business off the ground.
Funding to expand, open a location or take on bigger jobs.
The tools, vehicles or stock your business runs on.
Breathing room to cover payroll and day-to-day costs.
How it works
On a free call, we look at your credit score, your credit profile and your business. The profile matters as much as the number.
If you're not funding-ready yet, we repair your credit first: review all three reports, dispute what's wrong and build a stronger profile.
When you're ready, we match you with the banks and funding that fit, and guide your applications.
The full process usually takes 100 to 180 days, depending on where your credit starts.
Where do you stand?
Slide to your credit score. Most of our clients need around 680 and a strong credit profile to get funded.
Close. Let's get you ready.
You may be a few steps away. We'd start with credit repair and profile building, then go for funding.
A quick guide, not a credit decision. Banks look at your whole profile, and approval is never guaranteed.
A steady record of on-time payments.
How much of your available credit you're using.
How many times you've applied for credit lately.
How long your credit has been open and the mix of accounts.
Who we help
You're launching and need capital to get going. Banks lean hard on your personal credit at this stage, so we make sure your profile is ready before you apply.
You're growing and need capital to expand, hire or stock up. We look at where your business and your credit stand, then match you with banks that fit.
Results
Screenshots and video shared by RJ's clients. Names and personal details are hidden. Results vary from person to person and aren't guaranteed.
Meet RJ
RJ founded Living Heat Consulting to help business owners get funded, and to get their credit ready first when it isn't. His approach is simple: look at where you really stand, fix what's holding you back, then go to the banks with a profile that's ready. No guesswork, and no promises he can't keep.
Questions
Book a free funding call and find out where you stand.
Or DM "HEAT" on Instagram