Three Verticals. One Data Layer.
We structure entity formation, compliance documentation, and tax posture to maximize funding readiness. Business credit is developed strategically, aligning entity structure with lender program requirements from day one.
Services
Taking your business to the next level
Facts and Figures
Outcomes Engineered
752+
Average Credit Score Achieved
$18.5M+
In Loans and Funding Secured
480+
Verified Subcontractors
Nationwide
97%
Client Success Rate Across All Services
How The Engine Works
Our platform doesn't "fix credit" or "help you get approved." It reconstructs borrower truth, models lender reality, and engineers the optimal capital stack.
Multi-Source Reconstruction
Pull data from credit bureaus, open banking APIs, IRS transcripts, business entity filings, and vehicle title records. Reconcile conflicting sources into a single evidentiary profile.
Banking Reality Check
Compare bureau-reported data against live banking transactions. Identify discrepancies (late payments vs. cleared ACH, utilization vs. paid balances). Document evidence for disputes.
Lender Intelligence Mapping
Model 12,000+ historical placements to understand program-specific approval thresholds, stipulation waiver behaviors, and compensating factor trade-offs by lender and product type.
Capital Stack Optimization
Run combinatorial analysis to identify the optimal mix of banks,
products, and loan amounts that minimizes blended cost while
maximizing approval probability.
About Us
Pushing Capital operates as infrastructure, not a consultancy.
We transform fragmented data—credit reports, banking feeds, IRS records, vehicle titles, business filings—into a unified Financial Profile object. This object powers underwriting, compliance verification, and multi-vertical transaction coordination across finance, automotive, and business services.
We Model Both Sides
Most services only look at the borrower. We model both:
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Borrower Truth: Multi-source reconstruction with evidentiary reconciliation between bureau claims and banking reality.
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Lender Reality: Program-specific intelligence from 12,000+ placements showing observed approval patterns, stipulation behaviors, and compensating factor trade-offs.
This dual-sided approach is what enables 97% success rates and 2.7x approval limit increases.
Fewer Than 10 Companies Operate At This Scale
Building borrower-side capital infrastructure requires:
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Technical: Multi-source APIs, database architecture, optimization algorithms, real-time reconciliation engines
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Regulatory: FCRA compliance, GLBA frameworks, state licensing, SOC 2 Type II certification
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Institutional: Direct bank relationships, lender intelligence databases, DMV access, 480+ subcontractor networks
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Operational: 12,000+ profiles processed, $18.5M+ capital orchestrated, multi-state operations
This takes years and millions to build—not months and thousands. Fewer than 100 companies globally attempted this. Fewer than 10 operate at scale. We're one of them.
Not Loan Shopping. Capital Stack Engineering.
We don't find "a good loan." We engineer the optimal combination of capital sources.
Example: $60K funding need
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Single loan @ 16.5% = $9,900/year interest
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Optimized stack: $35K @ 8.5% + $25K @ 13% = $6,225/year
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Savings: $3,675/year (37% cost reduction)
Our platform runs combinatorial analysis across available products to minimize blended cost while maximizing approval probability—delivering outcomes that single-lender approaches cannot achieve.
Testimonials
What our clients say
I was coming off a failed business with maxed-out credit cards, no bank willing to lend, and a credit score stuck at 489. After working with Pushing Capital, my score climbed to 760. They didn’t just patch the surface—they went straight to the root causes: overused credit, inaccurate reporting, and bureau errors. Today, I’m in a position to secure funding and successfully relaunch my luxury watch business.
Alex R.
When I first came to Pushing Capital, my credit score was stuck at 580 and I couldn’t get approved for anything. Within six months, they helped me hit 752 by cleaning up my report, verifying my income, and optimizing my accounts. They made every step easy to understand and delivered exactly what they promised.
Louise M.
I was paying over 12% on my car loan and getting rejected for refinancing everywhere. Pushing Capital analyzed my entire financial setup, restructured my credit profile, and got me approved at 5.4%. They literally cut my payment in half.
Gabriella S.
My credit report was full of old, inaccurate accounts, and I didn’t know where to start. Pushing Capital handled every dispute, verified all my records, and boosted my score by over 140 points. The difference was night and day.
Josh P.
Pushing Capital took my vehicle consignment and financing from chaos to completion. They handled every detail—from title verification to lender coordination—and even improved my credit in the process. It’s the first time I’ve seen a company manage both finance and automotive this seamlessly.
David S.
They built my business credit from the ground up and increased my limit from $25K to $100K. Every move was strategic and intentional. Pushing Capital turned my small operation into a fundable business.
Darcy S.
Trusted Clients
We’re proud to serve individuals and businesses who trust us to manage their credit, vehicle, and financial operations with precision.