How it works

8 steps, one picture each

What happens at each step, who does it, what you need and how long it takes. You decide at every step.

Status. Interest list only. Enrollment and credit applications are closed. The proposed program is under legal review and may change or may not launch.

01
Join the interest list
A five-minute form, then a code we text you to confirm your phone.
YouConsent: To be contacted
You do
Fill in a short form and confirm your phone with a code.
We do
Read every form and send a thank-you text and email.
You need
5 minutes and your phone
How long
5 minutes. We aim to reply within 2 business days.
Credit impact
No credit check. Shares: your contact details and self-reported answers.
More detail
Tell us your state, who you are, a rough self-reported credit range, your goals and the best time to reach you. Your answers can be saved on your device so you can finish later. We text a 6-digit code to confirm the phone number is yours.
Enrollment and credit applications are not open yet, so this form puts you on the interest list. It is free and it does not touch your credit report.
Never asked: Social Security number or date of birth
Never asked: Account numbers or passwords
Never asked: A credit report upload
Join the interest list
Thank-you textIllustrative
BCP Team
🌟 Hey Jordan, thanks for joining the BCP interest list 🌟
✅ Form received
📱 Phone verified
Next steps:
1️⃣ Confirm your email
2️⃣ We reach out when enrollment opens
02
Consultation call
A free call about how it works, the role, the risks and whether it may fit you. No fee. No purchase required. Not credit repair.
YouOur teamProposed, not open yet
You do
Join a free call and ask anything. No fee. No purchase required. Not credit repair.
We do
Explain the role and the risks, and tell you whether your answers meet our preliminary criteria today.
You need
30 to 45 minutes
How long
One 30 to 45 minute call.
Credit impact
No credit check. Shares: what you choose to tell us on the call.
More detail
We walk through how the partnership works, what you would do, what the business does, the risks and the agreement. Ask anything. There is no cost and no obligation.
We do not do credit repair and we do not give financial advice. We assess whether your credit profile and a business profile make this a working partnership.
What the call covers
Your callIllustrative
How the partnership works10 min
Your pathReady now or roadmap
Risks and the guarantee10 min
Your questionsAny
4/6marked
Not ready yet?
You can use our free roadmap: general articles and a checklist you track yourself. It is not a plan for your file and not credit repair. You can apply again at any time; everyone is reviewed the same way. Free general education. Not credit repair. No fee, no purchase, no commitment.
What the roadmap covers
03
Credit profile review: connect your credit
Share your 3-bureau report by written permission. Never a password.
YouOur teamConsent: Written permission for your reportProposed, not open yet
You do
Sign a written permission, then connect your credit report. No password.
We do
Review your profile with you, only for the purpose you allowed.
You need
Your signed permission
How long
About 10 minutes.
Credit impact
Not an inquiry. Shares: a view of your credit report, with your written permission, seen only by BCP.
More detail
You sign a written permission that names us, the purpose, who sees your report and how long we keep it. Then you connect your credit through our credit monitoring partner link, using the same email you applied with. You never give us a password, and you can stop sharing at any time.
We review your profile against plain criteria. We assess whether the proposed role may fit your circumstances. Only lenders decide eligibility, approval amounts and terms. A profile that does not fit is declined in writing, not repaired.
Before you enroll, we tell you in writing what the monitoring plan costs and who pays it. The credit monitoring service we use may pay us a referral fee when you enroll through our link.
How connecting your credit works
Connect your creditIllustrative
You
Secure connection
Our review
No password shared. Ever.
04
Business profile and company setup
We set up a new company owned by BCP, with you as a real officer.
Our teamYouProposed, not open yet
You do
Review the written terms first, then decide whether to accept a real officer role.
We do
Form the LLC, get its tax ID and open its bank account.
You need
Your ID and officer details
How long
About 1 to 3 weeks.
Credit impact
No credit check on you. Shares: your ID and officer details for the business filings.
More detail
The borrower is a new LLC owned by BCP, one per partner. We form it, get its tax ID and open its business bank account, and you are named as a real officer and signer, with duties you actually perform.
We also review the business side lenders look at, such as the entity documents and bank statements, so every application is complete and true.
Company setupIllustrative
LLC formed (owned by BCP)Done
Tax ID (EIN)Done
Business bank accountDone
Autopay from the businessSetting up
05
Choose your schedule
Same officer duties either way. Pick how often we meet.
YouProposed, not open yet
You do
Choose a schedule. Your duties and approval rights are the same either way.
We do
Write your duties into the agreement.
You need
Your choice
How long
Part of the agreement step.
Credit impact
No credit check. Shares: your schedule choice, written into the agreement.
More detail
Every partner reviews and signs each application, approves each use of the credit, holds signing authority on the business accounts, sees every account and can stop new draws. Core officers meet with us each quarter. Planning officers meet each month and help plan each funding round.
In both, you hold a real officer role and personally guarantee the debt. Both schedules are proposed, are under legal review and may change. Your final duties and approval rights are described in writing before you decide.
Compare the two schedules
Choose your scheduleIllustrative
Core officer
Quarterly meetings, every approval
Planning officer
Monthly meetings, help plan rounds
Both: the same duties and approvals, and you guarantee the debt
06
Sign the written agreement
Time to review with your own attorney, then you sign.
YouOur teamConsent: The agreements you signProposed, not open yet
You do
Read it with your own attorney. Sign only if you agree.
We do
Answer every question. Your fee is set in writing first.
You need
5 business days to review
How long
At least 5 business days to review.
Credit impact
No credit check. Shares: your signature on the agreement set.
More detail
You get at least five business days to review everything, and we recommend your own attorney and tax adviser read it. It covers your officer role, your fee, the reserve BCP funds before any application, an indemnity, the use of funds and the payoff plan.
If the program launches, you would be paid a fee set in a written agreement you sign before any application. It is not a share of profits or an investment return. The business could fail to pay, and what you could owe a lender could be more than you are paid. Payment is not assured. It is not a share of profits. You may withdraw before entering an agreement. After signing, cancellation depends on that agreement. Leaving your officer role does not release a personal guarantee.
Read the agreement outline
Your written agreementIllustrative
Your duties, written down
Your fee, set before any application
How to leave, and what stays with lenders
Read it with your own attorney. No pressure to sign.
07
Funding rounds
We prepare each application. You review it in full and sign it yourself.
YouOur teamConsent: Each application, one at a timeProposed, not open yet
You do
Review each application in full and sign it yourself.
We do
Plan each round and prepare every application.
You need
Your review and signature
How long
Rounds over several weeks.
Credit impact
Hard inquiry on each lender application. Shares: each application you review and sign goes to that lender.
More detail
We plan a round of applications and prepare each one. You review it in full, including its certifications, and submit it yourself with your own authorization. One approval never covers the next application.
Every application states truthful ownership, control, revenue, business age and use of funds. Each one can add a hard inquiry to your credit reports.
Application statusIllustrative
📋 Credit Card Application Status 📋
LenderBravo Demo Bank
Card typeBusiness card
StatusUnder review
Signed byYou, after review
08
Track everything in your portal
Accounts, payments, documents and your compensation, in one place.
Our teamYouProposed, not open yet
You do
Sign in with a code to your email and phone.
We do
Keep accounts, payments and documents current, with update times.
You need
Your secure sign-in
How long
For as long as the partnership runs.
Credit impact
No credit check. Shares: account and payment data for the business accounts.
More detail
The business pays each account on autopay from its own bank account. The business is responsible under our agreement for making payments. It may fail to pay. Your obligations to the lender remain enforceable under the lender's documents.
The portal shows available account and payment information, with its last update time. Confirm payment status directly with each issuer; portal information may be delayed or incomplete. You also keep your own login at each issuer. The lender can hold you personally liable for the debt.
When the partnership ends, each account is paid to zero and closed, or you are replaced as signer where the lender allows it. Your guarantee ends only when each lender confirms it.
See the portal demo
Your portalIllustrative
Alpha 1047Posted
Bravo 6630Pending
Charlie 2291Scheduled
Last updated times on every account. Confirm with each issuer.

Step 5, in detail

One officer role. Two schedules.

Every partner approves each application and each use of the credit and personally guarantees the debt. The schedules differ only in how often we meet and whether you help plan each round. Both are proposed and under legal review.

Core officer

Proposed · Quarterly meetings

You do

Review and sign every credit application yourself
Approve each use of the credit, from a file we prepare
Hold signing authority on the business bank and reserve accounts
Review the monthly statement package
Meet with our team each quarter

We do

Propose each funding round for your review
Prepare each application and each funding file
Set up and watch autopay on every account
Keep your portal and records current

Time: Approvals as they come up, plus a quarterly meeting, as set in your agreement

Still yours: the same approval rights in either schedule, the right to stop new draws, and your personal guarantee on every account. Leaving the role does not release a guarantee.

Core officer

Proposed · Quarterly meetings

You do

Review and sign every credit application yourself
Approve each use of the credit, from a file we prepare
Hold signing authority on the business bank and reserve accounts
Review the monthly statement package
Meet with our team each quarter

We do

Propose each funding round for your review
Prepare each application and each funding file
Set up and watch autopay on every account
Keep your portal and records current

Time: Approvals as they come up, plus a quarterly meeting, as set in your agreement

Still yours: the same approval rights in either schedule, the right to stop new draws, and your personal guarantee on every account. Leaving the role does not release a guarantee.

Planning officer

Proposed · Monthly meetings

You do

Everything a core officer does
Help plan each funding round and the order of applications
Meet with our team each month

We do

Plan each funding round with you
Prepare each application and each funding file
Set up and watch autopay on every account
Keep your portal and records current

Time: More of your time: monthly meetings and round planning, as set in your agreement

Still yours: the same approval rights in either schedule, the right to stop new draws, and your personal guarantee on every account. Leaving the role does not release a guarantee.

Every partner holds the same officer duties and approval rights. This is not a passive investment. If the program launches, you would be paid a fee set in a written agreement you sign before any application. It is not a share of profits or an investment return. The business could fail to pay, and what you could owe a lender could be more than you are paid. Payment is not assured. Both schedules are proposed, are under legal review and may change. Your final duties and approval rights are described in writing before you decide.

Who does what

Your part, and the business's part

Your signature and your credit sit behind a business you do not own. Here is the split.

You, the partner

The business, and BCP

Your role: YouBe a real officer of the business, with duties you actually do.; The business, and BCPA new LLC owned by BCP is the borrower, named on every lender's documents.
Applications: YouRead each application in full and sign it yourself.; The business, and BCPUses the money only for the purposes in the agreement, stated truthfully on every application.
Payments: YouPersonally guarantee the debt. The lender can hold you personally liable for the debt.; The business, and BCPResponsible under our agreement for making the payments, on autopay. It may fail to pay.
Your credit: YouEach application can add a hard inquiry, and balances can show on your reports.; The business, and BCPBCP funds a reserve before your first application and keeps your portal current. The reserve can run out.

Autopay can fail. A reserve can run out. An indemnity is only as good as the company behind it. None of these changes what you owe a lender.

What can go wrong

Consent

Each consent is separate and in writing. You may withdraw before entering an agreement. After signing, cancellation depends on that agreement. Leaving your officer role does not release a personal guarantee.

1
Step 1. To be contacted, when you join the list and verify your phone.
3
Step 3. To any credit report being shared, in a separate written permission. If a credit report is ever needed, we'll explain why and who sees it, and ask for your written permission first.
6
Step 6. To the agreements, after a review period and your own attorney's read.
7
Step 7. To each application and any credit inquiry it causes, which you review in full and submit with your own authorization. There is no blanket consent for future applications.

Want to hear when step 1 opens?

The interest form takes about five minutes and does not enroll you in anything. Not ready yet? Free general education. Not credit repair. No fee, no purchase, no commitment.

Status. Interest list only. Enrollment and credit applications are closed. The proposed program is under legal review and may change or may not launch.

Join the interest list Read the FAQ

The lender can hold you personally liable for the debt. Read the risks
BCP charges no enrollment fee. Possible costs, such as a credit monitoring plan or your own attorney, are disclosed before you incur them. Costs and who pays
Read the draft agreement terms

8 steps, one picture each

Join the interest list

Consultation call

Credit profile review: connect your credit

Business profile and company setup

Choose your schedule

Sign the written agreement

Funding rounds

Track everything in your portal

One officer role. Two schedules.

Core officer

You do

We do

Core officer

You do

We do

Planning officer

You do

We do

Your part, and the business's part

Where you give consent

Want to hear when step 1 opens?