The Fundability™ Podcast

Always at the bleeding edge of the fundability sword, Merrill Chandler guides you away from the landmines that will blow up your credit approvals. In this episode, Merrill dives into the necessary things you need to do before submitting your business credit application. He lays down the step-by-step process on how your data points impact your approval, covering all the bases that will help you bec...

Besides the 80% that FICO requires from your personal credit profile, do you ever wonder about the other 20% they are measuring? In this episode, host Merrill Chandler dives deep into this 20% that will round up your fundability. If your personal credit identity is your 80%, then the 20% has to do with your business identity. Merrill shares with you how FICO uses your business data to evaluate you...

Seeking to become a fundable business is necessary for growth. In this episode, Merrill Chandler continues disrupting your fundability beliefs as he talks about several funding entity strategies and the fundable entity types you need. Sharing some examples, he outlines the different strategies that you can apply, noting how different approaches depend on the size and scope of your funding objectiv...

Did you know that the way you fill out an application in an attempt to get a business credit card or credit line is creating the opportunity for lenders to deny you? In today’s episode, Chief Strategist Merrill Chandler talks about the mysteries in business funding and the reasons why lenders will not lend to you. Merrill provides insights on how to frame you as a business and your relationship wi...

Do you want to be a Rockstar borrower? In this episode, Merrill Chandler continues his discussion on installment loans. He points out that using the rules of the game can show lenders that you are a superstar borrower. Comparing traditional auto loans, he shows how choosing the right lending schemes can contribute to your fundability. He also shares scenarios that exemplify these loans and how you...

This is a follow up on the episode about installment loans contributing to the weightiness of your credit profile. Today, Merrill Chandler shows how the system can support you in tripling fundability points for every single installment loan. Educating us on maximizing loan value, he shares insider secrets that allow such loans to blow up in the most powerful and positive way. Become eligible and t...

In this day and age, everyone can be lured by fake business credit and schemes. It’s up to us to identify the truth. In this episode, Merrill Chandler discusses the business credit equivalent to CreditKarma.com and does a deep dive into the misrepresentations of what business credit is and what these guys say they can do for us. He also talks about credit offers and Nav.com reports to get you fina...

There are so many credit-related scams these days, and more and more people are getting away with it. Today, Merrill Chandler gets to the bottom of these business credit-building scams. Using Dun & Bradstreet CreditBuilder Plus as an example, Merrill helps us understand the difference between business and personal credit reporting. He also shows how these scams work or how scammers lure you in...

Are you aware of business credit scams? Having a business credit does not mean that it actually is a business credit card. In this episode, Merrill Chandler discusses one of the most deceptive practices that business credit providers actually voiced upon us unsuspecting borrowers. He breaks down what business credit cards are and what is not and how lenders scam their customers. Learn about the “w...

Your personal profile is crucial to your fundability. In this episode, Merrill Chandler talks about how focusing on your personal profile, the goose that lays the golden egg, and optimizing it has powerful funding results on your timeline. He shares some amazing insider secrets and describes it one by one. He will show you how to set up the funding entity that circles and focuses around you. You w...

Still wondering if you are fundable? It depends on your current profile and how much work you need to put in to achieve that perfect fundability level. In this episode, Merrill Chandler gets animated with animal analogies to help us remember each fundability profile. He shares the lessons of playing by the rules and finding reliable financial information.   Love the show?  Subscribe, rat...

Have you ever wanted something so badly that when you are close to achieving it, you feel scared and anxious for the next chain of events? This is how Merrill Chandler feels as he is about to launch his upcoming book called Are You F***able? We can all relate to that feeling of excitement to show our achievement to the world, and yet at the same time fearful of the effects that success can bring t...

Should you close your revolving account or not? This is one of the few emailed answers from the question, “What would you like to know about fundability?” that Merrill Chandler and Brad Burnett tackles on today’s episode. As they share a way to close an account without harming your credit profile, they also give some amazing insights on fundability and how to avoid the landmines where you have bee...

Credit makes you look good but only if you play by the rules. In this episode, Merrill Chandler guides you on how to manage your installment loans to create positive scores for your FICO. He clarifies the difference between the types of credit and tiers of financial institutions. He also exposes the truth behind 0% interest offers for an auto loan. Catch his tips on how to create a 700+ FICO score...

Having many credit cards may have its advantages, but it can be a total headache when the bill comes especially when you’ve used one card after another. In this episode, Merrill Chandler talks about reporting dates and how to pay your bills on the right period without sacrificing your fundability. When talking about credit, it boils down to how lenders perceive you as a borrower. A lender withhold...

Building positive credit profile can oftentimes be tricky. In this episode, Merrill Chandler talks about how critical factors like utilization and aging may affect your profile. He also shares how to tell a lender that you’re a rookie borrower and how your application may be declined or approved. You will encounter some useful terms here such as debt shifters, reward hoppers, travel hackers, and a...

Your credit cards impact your profile either for the good or the bad. In this episode, Merrill Chandler guides us in determining where ours stand by helping us understand what is called a revolving account portfolio. He also talks about what FICO is measuring and how lenders’ software evaluates the different credit cards – from personal credit lines and personal charge cards to credit cards. Join...

If you’re starting a business and looking for funding, it’s easy to be lured by the promises of Seed Capital . In this episode, Merrill Chandler exposes one of the most of the notorious credit card stackers out there. Be a professional borrower, not a victim. Equip yourself and know the rules of the game.   Love the show?  Subscribe, rate, review, and share! Here’s How » Join the Get Fun...

An aim towards positive account scoring with the maximum number of points possible for your file is a necessary goal. Merrill Chandler shows how this can be achieved by sharing the actual secret list that FICO uses to evaluate your fundability and how it corresponds with the lender underwriting software. Merrill emphasizes on the essence of optimization – increasing fundability points and decreasi...

New borrowers can easily be misled by lenders when it comes to using credits scores for approval. In this episode, we are going to be talking about how lenders, FICO, and the entire funding game players use credit scores to distract rookie borrowers from what is being measured. Merrill Chandler talks about credit profile versus score and the true indicators of fundability. He also discusses an ide...

How can you have authority over your personal approval? Merrill Chandler reveals some insider secrets to hacking the new source of funding approvals. These days, applying for credit lines, loans, or mortgages can be daunting as the borrower. However, when you shift the power from lenders to you, approvals can be attained rapidly. To fully learn how to power shift, you must understand the underwrit...

Just like any relationship, the lender-borrower relationship has its disagreements that can often be solved when both parties reach a mutual decision. As borrowers, we have always felt some bad energy from lenders because at some point, we know they are taking more from us. In this episode, Merrill Chandler discusses a paradigm shift that’s going to change how we perceive lenders and how we can im...

A lot of people don’t have any clue how lenders are making more money out of them. The credit score pyramid invented by Merrill Chandler himself shows how lenders are making more money off of you without leaving you any clue whatsoever. These lenders are smart, but you can outsmart them if you know your way around the credit score system. Merrill talks about the credit score pyramid, explaining it...

There are people who want to take advantage of your ignorance for their profit. The good news is you can save yourself from all these scams if you are well-equipped with knowledge about credit scores and how they function. In this episode, Merrill Chandler reveals how merchants use their knowledge of different credit scores to rip you off and charge you the highest possible interest rate. Wit...

Today, it can be very easy to be lured by offers encouraging us to buy this and buy that. In this episode, Merrill Chandler teaches on how not to fall prey to companies like Credit Karma which attracts people to gain free credit scores and reports. Having used other methods for calculating scores and comparing it to FICO, Vantage scores, and the like, Merrill has concluded that Credit Karma is in...