How it works
A funding process built around what lenders actually evaluate
Most rejections come from the wrong strategy, not bad credit. Here is exactly how we get you from first call to funded.
The process
Four steps to funded
01
Free strategy call
We learn your goals and review your credit across all three bureaus: Equifax, Experian and TransUnion.
What you get
A clear picture of where you stand today.
What you get
A clear picture of where you stand today.
02
Funding readiness assessment
We determine exactly why banks would approve or decline you, and which products and amounts you can realistically access.
What you get
A realistic funding number and product list.
What you get
A realistic funding number and product list.
03
Strategy and execution
We build your application roadmap and handle the process: the right institutions, in the right order, at the right time.
What you get
Applications submitted with maximum approval odds.
What you get
Applications submitted with maximum approval odds.
04
Funding and growth
You activate your accounts and receive guidance on deploying the capital for real growth.
What you get
Capital in hand, with a plan for using it.
What you get
Capital in hand, with a plan for using it.
What we review
The six factors lenders weigh
We look at your profile the way an underwriter does, then position every factor before you apply.
01
Credit utilization
How much of your card limits you use. Under 30% is a must, under 10% is ideal.
02
Payment history
On-time payments across every account and bureau.
03
Account structure
The age, type and number of your open accounts.
04
Hard inquiries
Recent applications. Too many in a short time can trigger declines.
05
Debt ratios
Your debt compared with your income and revenue.
06
Credit mix
A healthy blend of revolving and installment credit.
Are you funding-ready?
What most of our funded clients start with
650+
Personal credit score
≤ 30%
Credit card utilization
5+ yrs
Since any bankruptcy, or none
20 days
Approvals in as little as
Who we work with
Built for people who build
Business owners and founders
Capital to hire, stock up, open a new location or take on bigger contracts.
Real estate investors
Funding for flips, rentals and new construction without waiting on a bank.
Professionals and high earners
Doctors, consultants, engineers and executives turning strong credit into business capital.
Not there yet?
We'll get your profile lender-ready
If your score, utilization or a recent bankruptcy is holding you back, our Credit Optimization Program builds your profile step by step with a personal consultant. When you're ready, you come straight back to us for funding.
Credit Optimization Program by Lion Investments
Full three-bureau review
A personal roadmap and consultant
A direct path back to Koval funding
Ready to scale?
Join 1,200+ entrepreneurs funded at 0% intro APR
Your strategy call is free. Answer a few questions and we'll match you with the right advisor.
Business funding strategy and execution for owners, investors and professionals.
Company
Funding
Contact
145 W Ostend St, Baltimore, MD 21230
Mon – Fri, 9 AM – 6 PM
© 2026 Koval Investments. All rights reserved.
Koval Investments is a funding advisory firm and is not a lender. All funding is subject to lender approval, underwriting and terms. 0% APR refers to introductory promotional rates offered by card issuers on qualifying business credit products; standard rates apply after the promotional period. The card shown is an illustration. Results vary and are not guaranteed. Credit optimization services are provided by Lion Investments.