Our personal funding solution transforms your W-2 or 1099 income into launch capital—perfect for starting a business, investing in real estate, or funding your next big idea. Designed for individuals with steady income and strong credit, we help you access the funds you need to fuel your entrepreneurial journey.
Unsecured fixed-term loans with competitive rates and predictable monthly payments—no collateral required.
Flexible credit lines available when you need them perfect for ongoing projects or managing cash flow efficiently.
Business credit cards offering rewards, 0% intro APR, and higher limits than typical personal cards.
Getting started is simple—just follow three easy steps. Tell us your goals, review your options, and access the capital you need.
Begin by booking a consultation and sharing your basic income and credit information for a personalized review.
We’ll provide personalized unsecured funding options tailored to your specific needs and financial situation.
Once approved, you’ll access the capital needed to launch your business—while keeping your full-time job.
680+
$45,000 (W-2 Income or 1099)
7-8 business days
Hassle Free
"Credixify helped us stack funding fast without the red tape. Their team truly understands small businesses."
"Thanks to Credixify, we secured no-doc capital that didn’t touch our personal credit. Game-changer!"
"Credixify simplified real estate funding like no one else. Fast approvals and expert support."
"Their credit repair service was professional, fast, and effective. We qualified for better terms within weeks."
"I leveraged my 1099 income for business capital thanks to Credixify. The process was smooth, and solid."
"As a startup, traditional banks weren’t an option. Credixify gave us flexible funding and expert insight to grow."
"Credixify's strategy helped us expand our retail chain without sacrificing cash flow. Their team was amazing."
"From credit improvement to securing capital, Credixify handled everything with integrity and efficiency."
Explore the answers to our most common questions—so you can move forward with confidence and clarity in every decision with Credixify.
We provide a range of personal funding options—loans, lines of credit, debt consolidation, and more—customized to your needs. Our specialists guide you to the best-fit solution for your goals.
While a 680+ credit score is ideal for the best terms, we offer solutions for various credit profiles. If your score is below 680, we can assist with credit repair or connect you with funding programs tailored for lower scores.
Most of our personal funding options are unsecured—no collateral required. We primarily assess your credit, income, and financial history. For larger amounts, secured options may offer better rates and higher approvals.
Personal funding is based on your individual credit and income, ideal for personal use or smaller ventures. Capital stacking, however, combines multiple funding sources—like debt, equity, and alternative financing—to support larger business projects or investments. While personal funding typically uses one product, capital stacking builds a layered, strategic funding structure.
The personal funding approval process is fast initial approval often comes within 24–48 hours of a complete application. Final funding timing depends on the product, lender, and how quickly documentation is submitted.
Yes, many clients use personal funding to start or grow their businesses. Since approval is based on your personal credit—not business history—it’s ideal for startups or newer ventures. Funds can be used for any legitimate business need, including inventory, staffing, or expansion.
We charge a one-time 15% success fee on the total amount funded only after you receive your funds. There are no upfront costs, and the fee can be paid directly from the funding. This covers expert strategy, optimized applications, and access to top lenders to maximize your funding with minimal credit impact.
