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Pre-Approvals • Sequencing • Underwriting Logic This guide is designed to help you confidently pre-qualify clients, structure clean data points, and sequence personal funding approvals the right way — whether you’re brand new or already funding at a high level. BASELINE FUNDING QUALIFICATIONS Before you run any pre-approval, the client should meet most or all of the following: ✅ Credit Profile Requirements - Credit Score: - 🚀Minimum 700 - 🚀Ideal 720+ - Late Payments: - 🚨None preferred - 🚨If present → must be 24+ months old - Derogatories: - ❌ No collections - ❌ No charge-offs - ❌ No repos - ❌ No bankruptcies - Inquiries: - ***Less than 3 inquiries in the past 6 months - Utilization: - 🚀 Under 20% ideal ⭐ Utilization Side Note (IMPORTANT):If utilization is high but everything else is clean: - We can pay balances down - Add a temporary tradeline - Use a personal loan to restructure utilization➡️ We can circle back before applying ✅ Credit Depth - Primary Accounts: - 🌟Minimum 5 - 🌟Ideal 7+ - 🌟Not AU-only profiles

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