Get the business in shape
before you need it to be.
We work with business owners on the things that decide whether an application succeeds: the credit profile behind it, how the entity is set up, and how the file is put together. One conversation tells you where you stand and what to fix first.
No cost to find out. No hard pull to get a range.
What we help with
Most of what decides an outcome happens before anything is submitted. These are the pieces we work on with you.
Funding strategy
Where the business stands today, what's realistic, and the order to do things in so nothing works against you.
Credit optimization
Disputing inaccurate items and strengthening the personal credit profile sitting behind the business.
Business credit building
Establishing credit in the business's own name so it stops resting entirely on you.
Entity structuring
Making sure the entity, registrations and records are set up the way they should be.
Document preparation
Getting statements, records and paperwork organised and consistent before anything is submitted.
Ongoing review
Checking in as things change, so the file stays in good shape rather than going stale.
Why owners come to us
One file, prepared properly
Applying everywhere at once means a string of hard inquiries and a string of chances to be scored down. We help you prepare one strong file and go about it in the right order.
You hear it before you apply
The likely range, the likely terms, and what would need to change to do better — while you can still act on it.
The file is usually the problem
Most denials aren't about the business. They're about how the business is presented: the entity, the records, the credit profile behind it. That's the part we work on.
Straight answers on cost
What the money costs, what we're paid and where it comes out. You'll see all of it before you sign anything.
When the credit is what's in the way
Funding is the goal, but a weak personal credit profile is the most common reason a file gets declined. These are client reports after a few rounds of disputes — the same work we do to get a file fundable.
How it works
Most of the work sits with us. Your part is the first ten minutes and the paperwork at the end.
- 1
Answer a few questions
How much you need, what it's for, and where the business stands today. About two minutes.
- 2
We call you
We go through the numbers and tell you honestly what's realistic right now and what isn't.
- 3
We build the file
Entity, records, credit profile, documents. This is the part most people never get right.
- 4
We prepare the application
Your package assembled and organised so it presents the business accurately and completely.
- 5
You see where you stand
We walk you through what's in front of you and what each option would really cost over its life.
- 6
What comes next
We map the next stage so the progress holds instead of slipping back.
Not ready yet? That's fixable.
Sometimes the honest answer is that the business isn't ready today — the score is too low, the entity is set up wrong, or the records don't hold together. That's a starting point, not a verdict.
We also do the work that gets a file ready: disputing the errors dragging a credit report down, structuring the entity properly, and building a stronger credit profile. Clients typically gain 35–100 points in three to six months, and then we look at the options again.
Knowing which door to knock on is most of this business.
Blue Ribbon Consulting exists because good businesses get turned down for reasons nobody explains to them. A file goes out before it was ready, and the owner walks away thinking the answer is no everywhere.
We work the other way round: understand the business first, fix what's weak, and only then move forward. When the timing isn't right yet, we say so and tell you what it would take.
Getting this right matters to you and to everyone counting on the business. We use what we know to get you there and to keep you there.
Office
80 S.W. 8th Street, Suite 2000
Miami, FL 33130
Talk to us
Hours
Monday to Saturday, 9am – 8pm
Sunday closed