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WEBINAR: Unsecured Bank Credit, Financing, and Funding a Prime +1%

Online event
Tuesday, May 26 • 4 PM – 5:30 PM PDT

Overview

Gain Insight on How to Acquire $100,000 – $1,000,000+ in Unsecured Bank Credit, Financing, and Funding at Prime +1%. This Webinar is a Must!

1. PRESENTATION INFORMATION: Get $100,000 – $1,000,000+ in Unsecured Bank Credit, Financing, and Funding at Prime +1%,

No Tax Returns. No Financials. No Collateral.

The Bank Approval-Readiness System™ That Eliminates Approval Guesswork and Reclassifies You for Lowest-Cost Institutional-Grade Capital Reserved for the Bank’s Preferred Clients



WHY YOU CAN’T AFFORD TO MISS THIS PRESENTATION

In this workshop, Merrill will break down bank and institutional approval mechanics and walk through real-world real estate investor case studies demonstrating how institutional capital becomes predictable — not guesswork.

He will reveal how The Bank Approval-Readiness System™ positions real estate investors to secure multiple six figures in unsecured business credit lines and loans at Prime +1% from top-tier banks — without relying on tax returns, financial statements, or collateral.

This structured framework aligns your borrower profile, entity structure, and banking behaviors with the exact internal criteria banks use to approve or deny applications.

YOU’LL DISCOVER…

• Why most entrepreneurs are unknowingly classified as “high risk” — and how to reposition yourself into the bank’s elite approval tier

• The hidden approval triggers banks use to set your limits, rates, and instant decisions — that never appear on your credit report

• How to access $100K–$1M+ in unsecured funding at Prime +1% — without tax returns, financials, or collateral

• The 4 borrower profiles banks eagerly approve — and which one you’re closest to right now

• How to engineer approvals across multiple institutions — without triggering risk flags or weakening your borrower profile

• The fastest way to upgrade from “consumer” borrower to institutional-grade “preferred” bank client

• How to build a funding infrastructure that produces predictable, repeatable bank approvals

WHAT YOU GET FOR ATTENDING…

In this workshop, you will see clearly whether you are positioned for denials—or engineered for institutional approvals…and you’ll know exactly what you must do to step into the elite approval tier that produces:

  • Six-figure revolving lines
  • Seven-figure capital capacity
  • Prime + 1% unsecured capital
  • Repeatable multi-bank approvals

The shift does not take years…

It takes positioning.

And it can be executed within 120 days.

THE BENEFITS OF MERRILL’s PROGRAM

The Bank Approval-Readiness System™ is built on three decades of borrower behavior analysis, bank underwriting strategy, and direct FICO® feedback.

Merrill Chandler has spent over 30 years dissecting how approval algorithms interpret borrower behavior — including deep work with FICO® score models and the behavioral variables lenders use beyond the score itself.

This System positions real estate investors for multiple six figures in unsecured business credit lines and loans at Prime +1% from elite, top-tier banks — without financials, tax returns, collateral, partners, or high-cost hard/private money.

• No private lenders controlling your deals.

• No 12–18% interest drag.

• No begging underwriters for exceptions.

• No explaining how you plan to use the funds.

This is a strategic, step-by-step approval engineering framework that aligns your borrower behavior, entity structure, liquidity positioning, and banking relationships with the internal criteria banks actually use.

In this session, Merrill will break down documented investor case studies demonstrating how institutional capital becomes systematic — not emotional, not capricious, and not guesswork.

If you’re serious about operating at a higher leverage tier, this session is where your capital capacity changes.



MERRILL’S BIO – Learn More!

With over 35 years in the credit and finance industry, Merrill Chandler is widely recognized as one of America’s leading authorities on funding strategy and borrower behavior. He is the architect of the Bank Approval-Readiness System™ — a disciplined framework that positions real estate investors for multiple six figures in institutional-grade bank credit lines and loans.

What distinguishes Merrill is that he operates beyond traditional “credit repair” or short-term “credit card stacking” tactics. His work centers on borrower optimization — the structured alignment of borrower profile, entity architecture, liquidity positioning, and banking behaviors with the exact internal criteria banks rely on to approve or deny applications.

Merrill has guided thousands of investors, entrepreneurs, and high-income professionals in securing $100K to $3M+ in low-cost bank approvals. Collectively, members of his community have secured over $300 million in funding, maintaining a documented 93% first-time approval rate by implementing his system to meet institutional underwriting guidelines.

For more than eight years, Merrill has maintained an active working relationship within the FICO® ecosystem — including ongoing engagement with scoring liaisons and annual collaboration at FICO World with broader platform teams. His system is routinely reviewed and refined against model architecture, borrower behavior variables, and approval predictability mechanics that influence real-world underwriting decisions.

This institutional proximity is not promotional — it is operational. The Bank Approval-Readiness System™ is continuously pressure-tested against the same behavioral and scoring frameworks lenders use.

The result is a disciplined, data-driven methodology that consistently positions qualified clients for high-probability approval outcomes.

As founder of GetFundable.com, Merrill’s mission is to recalibrate the borrower–lender dynamic — equipping entrepreneurs with the structure, strategy, and behavioral intelligence required to access capital responsibly, repeatedly, and at the lowest institutional cost available.

Business Credit: Why the Old Way of Borrowing is Holding You Back

By Merrill Chandler

Many entrepreneurs still believe outdated myths about business credit, and it’s hurting their chances of getting approved for funding. The truth is, the way lenders decide who gets funding has completely changed. The old system relied on manual, full-document underwriting, but today, it’s all about automatic underwriting. Let’s break down the difference between these two approaches and show you how to adapt to the new way of doing things.



The Old Paradigm: Manual, Full-Doc Underwriting

Before 2008, lenders mostly relied on manual underwriting, where they reviewed every application by hand. You had to provide extensive documents, and they would base their decision on a Dun & Bradstreet PAYDEX Score. Back then, small businesses faced an uphill battle because lenders didn’t like making loans under $1 million. Why? Because approving smaller loans required just as much time and paperwork as big ones, and it wasn’t worth their effort.

For entrepreneurs, this system was inefficient and hard to navigate. Many applications were rejected simply because small businesses didn’t fit the mold of what lenders wanted.

The New Paradigm: Automatic Underwriting

In 2008, everything changed. Now, most lending decisions are made using automatic underwriting systems. These systems use algorithms to decide whether you’re fundable, based on specific criteria.

Here’s how it works:
80% of the decision comes from your personal credit profile.
20% is based on your business data and identity.

Lenders want borrowers who seem trustworthy, professional, and low-risk. Instead of viewing you as a “self-employed business owner,” they prefer to see you as an “employed professional” running a legitimate business.

The old PAYDEX Score? It’s no longer a key factor. What matters now is whether your business fits the automatic underwriting guidelines.

Becoming a “Qualified Fundable Entity”

To succeed in this new system, you need to structure your business as a Qualified Fundable Entity (QFE). This means:
1. Your business must appear legitimate, with clear ownership and real cash flow.
2. Your personal and business information must align with what lenders expect to see.

Think of your business as separate from yourself. You are the strategist—the one making decisions—while your QFE is the professional face of your business. When your business fits the lender’s automatic approval criteria, the process is smoother, faster, and more reliable.

Why Automatic Underwriting is Better

Automatic underwriting saves you time and improves your chances of approval. Lenders don’t need to spend hours analyzing your documents—they can quickly see that your QFE meets their standards. By creating this perfect model, you make yourself and your business more attractive to lenders.



The Bottom Line

Adapting to the new paradigm of automatic underwriting is essential for growing your business. By structuring yourself as a Qualified Fundable Entity, you can become a lender’s ideal customer. This approach builds trust, simplifies the funding process, and sets you up for long-term success.

Remember: You’re not your business deals—you’re the strategist. Separate your role from your business identity, and you’ll unlock more opportunities for funding. The funding game has changed. Learn the rules, and you’ll master it!

This version simplifies the language, makes the key differences clear, and emphasizes the importance of automatic underwriting.


Merrill Chandler

Since 1997, Merrill Chandler has led the transformation of the personal and business borrowing space. With its basecamp in Utah, GetFundable.com helps entrepreneurs, real estate investors, and business owners, supercharge their personal and business borrower profiles to reach their funding goals.

To us, borrower fundability begins with education. That’s why we offer a FREE web class (recorded live), Live Event, and Online Business Funding Master Course™ to anyone willing to take the time to educate themselves on how fundability can radically improve your funding approvals. In our presentation, you will learn about the power of Fundability Optimization™, and how it significantly AND positively impacts your funding approvals. We also offer a FREE Fundability Strategy Session™ to qualified inquiries. Ask us for details!