FIX YOUR CREDIT. FUND YOUR FUTURE.
The DIY platform to optimize your personal credit (400 to 850) and set up business credit — then get matched to real funding programs. No middleman, no upfront fees. Just a clear roadmap to funding readiness.
From 400 to 850 — we guide every step of the way.
DIY credit optimization + business credit setup + lender matching — one navigator, one goal: funding.
Your funding, in motion
Move your cursor — the scene follows you
Three steps to funding readiness
From credit check to funded — a clear DIY path, no middleman required.
Assess Your Readiness
Run a DIY credit and funding readiness check — personal (400 to 850) or business. The AI scores where you stand today and what's holding you back.
Get Your Roadmap
Receive a personalized 30/60/90-day action plan that fixes credit, preps documents, and builds business credit — step by step, no guesswork.
Match & Apply
Get matched to real funding programs — SBA, CDFI, grants, online lenders — and apply with confidence using your readiness score and roadmap.
One navigator. Everything you need to get funded.
Kreative Technology brings personal credit, business credit, lender matching, and AI guidance together — one DIY platform, one goal: funding readiness.
The same platform guides both sides of your funding journey
Kreative Technology combines personal credit optimization with business credit setup. One navigator, one goal — move from where you are today to funding-ready, step by step.
Personal Credit Optimization
From 400 to 850
- AI analyzes your full credit profile across 4 dimensions
- Dispute letters, goodwill letters & next-step guidance
- Score tracking with progress timeline
- Utilization & payment history coaching
Business Credit Setup
From first vendor to first funding round
- Entity setup & business credit fundamentals
- Vendor credit & net-30 account guidance
- Lender matching — SBA, CDFI, grants, online lenders
- Funding application tracking & roadmap
Ask your funding assistant about either path — it can help you fix personal credit and set up business credit for funding. That's what we mean by The Best of Both Worlds. All in One.
Already a customer? Log in to access your dashboard, credit analysis, and AI tools.
New here? Create an account to start your DIY credit and funding journey.
From any score to funding-ready — step by step
Your funding navigator analyzes your full credit profile across four dimensions, then gives you a personalized suggestion box with exact next steps. Follow the path from where you are today all the way to 850 — and ask your AI funding advisors for help at any step.
Credit Repair
Remove negative items dragging your score down.
Dispute the 2 collections and 1 charge-off on your report. Send goodwill letters for the late payments on your Capital One account.
Payment history is 35% of your score — fixing negatives is the fastest way up from a low score.
The full path, tracked end to end
Free assessment → AI profile analysis → personalized action steps → score tracking → funding readiness. Every milestone visible on your dashboard.
Built for every stage of your funding journey
Whether you're fixing personal credit or building business credit for funding, the navigator meets you where you are.
For Individuals
Fix your credit and get funding-ready.
- Personal credit roadmap (400 to 850)
- Dispute letter & goodwill letter tools
- 3-bureau credit tracking
- Cancel anytime
For Business Owners
Build business credit and get funded.
- Business credit setup from scratch
- Vendor credit & net-30 account list
- Lender matching (SBA, CDFI, grants)
- Dedicated funding specialist support
One navigator for your entire funding journey
Everything you need to assess, build, match, and apply — all in one place.
Funding Readiness Assessment
AI scores your personal or business readiness and flags exactly what's holding you back from funding.
30/60/90-Day Roadmap
A personalized action plan that fixes credit, preps documents, and builds business credit — step by step.
Lender Matching
Get matched to real programs — SBA, CDFI, grants, microloans, and online lenders — based on your profile.
Dispute & Document Tools
Generate dispute letters, goodwill letters, and prep the documents lenders actually ask for.
Educational & Honest
Guidance is educational only — no preapproval claims, no guaranteed outcomes. Verify directly with lenders.
10 AI Funding Advisors
Specialized agents for readiness, documents, grants, applications, and roadmap — chat with any of them.
Simple, monthly funding plans
Start where you are. Scale your funding readiness as your credit grows. Cancel anytime.
DIY Funding Starter
Start your funding journey — assess, plan, and learn.
- AI funding readiness assessment
- Personal credit roadmap (400 to 850)
- Dispute letter tools
- Educational resource library
- AI funding assistant
- Email support
Funding Builder
Build credit, match lenders, and prepare for funding.
- Everything in Starter, plus
- 3-bureau credit tracking
- Real lender matching (SBA, CDFI, credit unions)
- Business credit fundamentals guide
- Funding application tracking
- Priority email support
Business Credit Pro
Full business credit setup — from first vendor to first funding round.
- Everything in Builder, plus
- Complete business credit setup guide
- Vendor credit & net-30 account list
- Advanced matching (grants, investors, SBA loans)
- Dedicated funding specialist
- Priority phone & email support
64 AI Prompt Shortcuts
to Grow Your Business
Get our free guide packed with 64 ready-to-use AI prompts for marketing, sales, customer service, operations, finance, and strategy. Just copy, customize, and paste into any AI tool.
Questions, answered
Everything you need to know before starting your funding journey.
Take Kreative Technology everywhere
Install our app on your phone or tablet for instant access to your AI receptionist, business agents, CRM, and customer dashboard — right from your home screen.
Android
Add to Home Screen
- 1Open this site in Chrome on your Android device.
- 2Tap the menu icon (three dots, top right).
- 3Select Install app or Add to Home screen.
- 4Tap Install — the app icon appears on your home screen.
iPhone & iPad
Add to Home Screen
- 1Open this site in Safari on your iPhone or iPad.
- 2Tap the Share button at the bottom of the screen.
- 3Scroll down and tap Add to Home Screen .
- 4Tap Add — the app icon appears on your home screen.
Ready to get
funding-ready?
Join the individuals and businesses using Kreative Technology to fix credit, build business credit, and get matched to real funding programs — all in one DIY platform.