Blueprint
The operating plan that holds every member to the minimum standard before the file moves into live funding readiness and capital rounds.
Primary Goal
800+
Across all bureaus
Readiness Line
700+
Once the minimum standard is met
Funding Goal
$350K
Per business
Readiness
71%
Current standard completion
Minimum Standard
The system should enforce this minimum before the file is treated as funding ready. If the five twos are in place, 700+ means the profile is ready to move. The long-term target remains 800+ across all three bureaus.
2^5 + 700+
Profile Health
2 years with no negative actions
No recent charge-offs, collections, or late actions
Personal profile
running- Resolve negative items
- Build the 2-2-2-2-2 minimum standard
- Move all three bureaus toward 800+
Business file
running- Confirm 2-year LLC standing in-state
- Register core business bureaus
- Open the first vendor and banking relationships
Capital readiness
paused- Verify banking
- Organize documents
- Move to 700+ when the minimum standard is in place
Stack Architecture
The original blueprint was not just a checklist. It was a full stack: personal banking, profile mix, business banking, business profile, and readiness markers.
5 Tiers
Tier 01
Personal Banking Stack
Multiple institutions, clean account history, and diversified banking relationships.
Primary checking relationship
Reserve savings relationship
Secondary institution for diversification
Tier 02
Personal Profile Mix
The right blend of primaries, age, and repayment history before larger funding moves open.
2 primary profile lines
24+ months of history
Installment and revolving depth
Tier 03
Business Banking Stack
Every entity needs its own banking posture, address match, and operating records.
Dedicated account per business
Entity and bank record match
Stable deposit pattern
Tier 04
Business Profile Stack
Vendor accounts, business bureau presence, and the early trade structure behind approvals.
Vendor reporting setup
Business bureau registrations
First revolving business relationships
Tier 05
Funding Readiness Markers
The markers that tell Fundboo the file is ready to move into real capital sequencing.
700+ readiness line
2^5 minimum standard
Verified documents and banking
High Priority
The blueprint only works if the minimum standard is protected
Keep the five twos, document readiness, business setup, and the first capital round moving in order. That is what protects the file from wasted applications and early denials.
Move into Build