Capital Placement — assessed first, then matched
We don’t push everyone into an “apply now” form. Start with a quick eligibility snapshot. If you’re a fit, we route you to the right program and protect you from wasted time and unnecessary inquiries.
How placement works
Simple, transparent, and built to avoid the “broker spam” experience.
- Step 1: Eligibility snapshot (2–3 minutes)
- Step 2: We assess fit by revenue, time-in-business, and goals
- Step 3: If qualified, we route you to the right funding program
Who this is NOT for
This is where trust is built. If any of these apply, don’t submit yet.
- Anyone seeking “guaranteed approvals” or unrealistic timelines
- Businesses with no verifiable revenue or no bank activity
- Applicants looking for personal loans (not business purpose)
Who we can help
- New / planning stage: Startups, pre‑revenue, or owners mainly checking options often fit best with a funding & credit snapshot first.
- Young but earning: Businesses doing around $10k+/month with at least a few months in business can often see revenue‑based working capital offers faster than banks.
- Established & growing: Stronger revenue ($25k–$100k+/month) and 1–2+ years in business can open up multiple programs and larger approvals.
- Credit situations: From “needs work” to excellent – different partners focus more on revenue, others on overall profile; your Snapshot helps route you correctly.
- Use of funds: Working capital, inventory, marketing, equipment, expansion, or consolidating higher‑cost obligations are all common uses.
Your answers on the Funding Snapshot form help us match you to the path that fits you best instead of forcing you into a one‑size‑fits‑all product.
How your options break down
- Funding Snapshot & credit path: Best for startups, pre‑revenue, lower current revenue, or owners who want to understand their borrowing profile and map out next steps before applying.
- Fast revenue‑based offers: For businesses already doing roughly $10k–$15k+/month, with 4+ months in business, needing quick working capital tied mainly to revenue, not just credit scores.
- Broader / larger‑ticket programs: For stronger, more established companies seeking higher amounts or multiple structures (term‑style, larger revenue‑based, or blended solutions) based on full profile review.
The logic on our form uses your time in business, monthly revenue, requested amount, purpose, and credit estimate to send you to the partner most likely to fit your situation.
Find Your Best Path: Rehab, Settle, or Dispute-First
Answer a few questions. We’ll tell you the smartest move **right now** and send the plan to Premium Capital California.
Earn Recurring Commissions as an Affiliate Partner
Promote Premium Capital California’s proven credit repair services and earn up to 30% lifetime commissions on every client you refer. Perfect for bloggers, influencers, financial educators, and online marketers. No experience required — just share your unique link.
Join Our Affiliate ProgramHow Our Affiliate Program Works
1. Sign Up Free
Complete a 2-minute application. Get instant access to your affiliate dashboard, links, and marketing assets.
2. Promote & Earn
Share your unique link via blog, email, social media, or YouTube. Earn 30% recurring commissions for every paid client.
3. Get Paid Monthly
Track real-time earnings in your dashboard. Payouts via PayPal or direct deposit every 30 days. No minimums.
What Our Affiliates Are Saying
“I made $2,400 in my first month just sharing on Instagram. The support team is incredible.”
“Recurring commissions are a game-changer. My audience loves the results — and I love the payouts.”
“Best affiliate program I’ve joined. High conversion rate and lifetime commissions.”
“Made over $18k in 6 months. The marketing materials convert like crazy.”
Choose Your Affiliate Niche
Select your audience type to get tailored marketing materials and strategies that convert.
Personal Finance Bloggers
Earn by recommending credit repair to your readers. Get pre-written articles, email swipes, and banners.
YouTube Creators
Monetize your audience with review videos and tutorials. Access scripts, thumbnails, and affiliate links.
Social Media Influencers
Promote via Instagram, TikTok, or Facebook. Get swipe-up templates, stories, and high-converting creatives.
Email Marketers
Send high-converting email sequences to your list. Access proven subject lines and full campaigns.
Partner With Premium Capital California
Become part of our referral and affiliate network and empower your clients to qualify faster, while you earn more and build your brand. We support real estate professionals, lenders, dealerships, tax & finance advisors — with trusted credit repair solutions that turn prospects into closings.
Explore Partnership OptionsHow Our Partnership Works in 3 Clear Steps
1. Refer Your Client
Send your client our way — we handle the credit recovery process while you retain the relationship and move toward close.
2. They Improve & Qualify
We deliver transparent, compliant service — your client becomes credit-qualified while your brand remains front and center.
3. You Close & Earn
You keep your client, build trust, and earn commissions — while we deliver the credit readiness that turns leads into revenue.
What Our Partners Say
“My referrals converted at half the time. This partnership elevated my business.”
“As a lender, having PCC on my side means fewer stalled deals and more closings.”
“Dealerships love that we refer ready-to-buy customers. It’s a game-changer.”
“I added an entire income stream by partnering — and my clients thank me for it.”
Select Your Partner Path
Choose the category that best fits your business and start referring high-value clients with confidence.
Real Estate Professionals
Send buyers who aren’t yet credit-ready. We get them ready; you close faster and more often.
Loan Officers & Brokers
Give declined applicants a second chance. Our credit work helps them qualify — keeping your pipeline active.
Auto Dealerships
Close more buyers who need credit improvement. We prep them; you sell them cars faster.
Tax & Financial Advisors
Offer your clients an elite credit-recovery option while you earn referral revenue. Everyone wins.
Earn Recurring Commissions as an Affiliate Partner
Promote Premium Capital California’s proven credit repair services and earn up to 30% lifetime commissions on every client you refer. Perfect for bloggers, influencers, financial educators, and online marketers. No experience required — just share your unique link.
Join Our Affiliate ProgramHow Our Affiliate Program Works
1. Sign Up Free
Complete a 2-minute application. Get instant access to your affiliate dashboard, links, and marketing assets.
2. Promote & Earn
Share your unique link via blog, email, social media, or YouTube. Earn 30% recurring commissions for every paid client.
3. Get Paid Monthly
Track real-time earnings in your dashboard. Payouts via PayPal or direct deposit every 30 days. No minimums.
What Our Affiliates Are Saying
“I made $2,400 in my first month just sharing on Instagram. The support team is incredible.”
“Recurring commissions are a game-changer. My audience loves the results — and I love the payouts.”
“Best affiliate program I’ve joined. High conversion rate and lifetime commissions.”
“Made over $18k in 6 months. The marketing materials convert like crazy.”
Choose Your Affiliate Niche
Select your audience type to get tailored marketing materials and strategies that convert.
Personal Finance Bloggers
Earn by recommending credit repair to your readers. Get pre-written articles, email swipes, and banners.
YouTube Creators
Monetize your audience with review videos and tutorials. Access scripts, thumbnails, and affiliate links.
Social Media Influencers
Promote via Instagram, TikTok, or Facebook. Get swipe-up templates, stories, and high-converting creatives.
Email Marketers
Send high-converting email sequences to your list. Access proven subject lines and full campaigns.
The Last Credit Repair Company You'll Ever Need
We challenge inaccurate items on your credit report to help you qualify for the home, auto, and personal loans you deserve. Backed by over 30,000 credit repair agents, attorneys, and financial specialists, we've seen every credit repair scenario. As a compliant-driven, bonded, and insured company, we offer lifetime support to our clients. Your financial freedom starts now.
Start Your Free ConsultationYour Path to a Better Score in 3 Simple Steps
1. We Challenge Your Past
Our experts analyze your credit reports and challenge any inaccurate, unfair, or unverified items with the bureaus and creditors.
2. You Track Your Present
Access your 24/7 client portal to see live updates, track deletions in real-time, and watch your score improve.
3. We Empower Your Future
We provide personalized coaching to help you maintain and continue building excellent credit long after our work is done.
Real Results from Real Clients
“From 598 to 703 in 75 days — the lender said yes. I couldn't have bought my new car without them.”
“Finally crossed the 700 mark! It's a huge milestone. They removed a collection and a late payment.”
“Refi approved after 3 removals. Clear updates in the portal every round. So easy.”
“Closed on our home after the repairs. We are so thankful for the entire team!”
How Would You Like to Get Started?
We offer two paths to begin your journey to better credit. Choose the option that's right for you.
Have Questions? Let's Talk.
Schedule a free, no-obligation consultation with a credit specialist. We'll review your situation and answer all your questions.
Ready to Start Now?
If you're ready to begin repairing your credit, you can enroll directly through our secure client portal.
Success Stories
Real client outcomes with redacted proof on file. Examples below are anonymized (initials & city). Individual results vary and no outcome is guaranteed.
Important: We dispute inaccuracies and unverifiable items with the credit bureaus and furnishers, and submit debt validation requests where applicable. We cannot remove accurate, timely information. Outcomes and timelines differ by client and case complexity.
Case Studies
Real client outcomes with redacted proof on file. Examples below are anonymized (initials & city).
Important: Individual results vary and no outcome is guaranteed. We dispute inaccuracies and unverifiable items with the credit bureaus and furnishers. We cannot remove accurate, timely information. Outcomes and timelines differ by client and case complexity.
Gold
Collections & charge-offs only
- Targeted disputes for collections & charge-offs
- Coordination with all three bureaus & furnishers
- Debt validation where applicable
Platinum
Unlimited deletions & disputes
- Lifetime credit services after 12 payments
- Unlimited deletions and disputes
- Household add-ons: $69/mo each
- Debt validation where applicable
Black Badge
1-year audit fee + pay-per-deletion
- Comprehensive 3-bureau audit
- Disputes across eligible negative items
- Only pay for verified deletions
- Debt validation where applicable
- Collections & Charge-offs$50
- Repossessions & Late Payments$75
- Judgments, Bankruptcies, Foreclosures & Child Support$100
- InquiriesFree
- Personal information correctionsFree
All packages include free deletions of inquiries and updates of personal information.
Third-party credit monitoring service $19.95/mo is required to perform the work and is not included.
- Client portal access
- Round updates every 30–45 days
- Email & SMS status updates
- Phone & email support
- Secure document upload
- Personal info corrections
- Personalized credit repair plan
- Challenges to all 3 bureaus
- Creditor intervention letters
- Score tracking
- Challenge hard inquiries
- 90-day money-back guarantee
- Cancel anytime
- Advice on better credit habits
- Unlimited financial consultations
- Business credit — free consultations
Clients are achieving 700+ scores across the country
“Everything is bigger in Texas, and my credit problem felt huge. The specialists here dug in, got my old repo gone, and my score shot up over a hundred points. Real, honest work.”
“Was trying to get pre-approved for a home up in Colorado but old collections were keeping my score grounded. They got me over the 730 mark fast. Now I’ve got a fantastic mortgage rate.”
“As a small business owner in West Virginia, credibility is everything. They fixed my late payments and collection issues fast, so I could focus on my customers. Solid support and transparent reporting.”
“Dealing with ID theft in New York felt like a huge, slow bureaucratic mess. My agent was sharp, got the fraudulent account blocked fast, and helped me reclaim my financial identity without a ton of runaround.”
“I needed this handled fast so I could close on a boat loan down here in Florida. The team moved quicker than a summer lightning storm. Two collections gone, score up, and I’m out on the water.”
“I felt stuck in the mud after my bankruptcy, which is a big deal in Oklahoma when you’re trying to move forward. They kept pushing until my reporting was fixed and the old collections were cleared out.”
Business Funding — fast, clear, and guidedCheck your funding readiness in minutes… transparent next steps to get capital. Soft pre-check (no score impact) · Bank & SBA partners · No obligation; cancel anytime |
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Do I qualify?
- Credit Score: 600–680+ (SBA/bank often prefer 680+)
- Time in business: 6–24+ months; SBA typically 2 years
- Revenue & Cash Flow: Positive; healthy bank statements
- DSCR (Debt Service): ~1.25× improves approvals for term/SBA
- Documentation: ID, EIN, bank statements, P&L, tax returns (product-dependent)
Your Funding Snapshot helps show exactly where you stand.
Products at a glance
- SBA 7(a): Up to $5M · ~11%–16% APR · Up to 10 yrs — best terms; slower; prefers 680+ and 2 yrs
- Bank/online term loan: $25k–$500k+ · ~7%–30% APR · 1–5 yrs — fixed payments; faster than SBA
- Line of credit: $10k–$250k+ · ~6.5%–8% avg APR · Revolving — flexible draw; banks cheaper; online can be higher
Averages vary by market and your business profile.
Inventory & Growth
Stock up for peak seasons, launch new products, or negotiate bulk purchase discounts.
Check options →Equipment & Vehicles
Finance the tools that pay for themselves — with terms that match their useful life.
Check options →Marketing & Cash Flow
Smooth out receivables, run advertising campaigns, or bridge short-term cash gaps.
Check options →How it works
Get your Funding Snapshot
See your personalized options & identify any gaps in your profile without impacting your score.
Upload simple docs
Securely provide the basics, like bank statements, so lenders can verify your business health.
Apply & fund
Choose the best rate and term for your needs. Many options fund in just 1–7 business days.
Term Loan Estimator
Estimate for illustrative purposes only. Actual payments, fees, and terms will vary by lender.
Frequently Asked Questions
What's the difference between a soft and hard pull?
The Funding Snapshot is a "soft pull" or "soft inquiry," which does not affect your credit score. It allows us to see your credit profile for pre-qualification. A "hard pull" or "hard inquiry" occurs only when you formally apply with a lender, and it may have a small, temporary impact on your score.
What credit scores are needed for different products?
Generally, online lenders may accept scores of 600+, while traditional banks and SBA loans often prefer 680 or higher. A stronger credit profile typically unlocks better rates and terms. Your Funding Snapshot will help clarify which options are most viable for you.
How fast can I get funded?
Funding speed depends on the product. Online term loans and lines of credit can often fund in 1-3 business days once approved. SBA and traditional bank loans are more thorough and typically take several weeks.
Who is approving and funding my loan?
Premium Capital California is a funding advisor. We connect you to our network of third-party lenders, including banks, non-bank online lenders, and SBA-approved institutions. The lender you choose is the one who will approve, underwrite, and fund your loan.
Disclaimer: Premium Capital California (PCC) is not a direct lender. The Funding Snapshot is an informational tool and does not constitute a loan offer or guarantee of funding. All final terms, conditions, annual percentage rates (APRs), and approvals are determined by third-party lenders in our network based on their own underwriting criteria. The examples and calculations provided on this site are for illustrative purposes only and should not be considered financial advice.
Case Studies
Real client outcomes with redacted proof on file. Examples below are anonymized (initials & city).
Important: Individual results vary and no outcome is guaranteed. We dispute inaccuracies and unverifiable items with the credit bureaus and furnishers. We cannot remove accurate, timely information. Outcomes and timelines differ by client and case complexity.
