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Credit as capital

Turn your credit profile into deployable capital

Personal and business credit are collateral. See what your current profile can access, what is holding it down, and the exact sequence that raises your approvals.

No bank connection. No credit pull. Cancel any time.

0–100
OPM Score™
Ranked
Highest-impact fixes first
No linking
You enter your own numbers

What you get

  • What your credit unlocks today across cards, lines, and term debt
  • The specific factors capping your approvals, ranked by impact
  • A staged build plan — personal, then business credit
  • How each move changes your OPM Score™ and borrowing power
What the output looks like

Worked examples, not vague promises

These are illustrative models produced by the platform's own math on representative profiles — not client testimonials and not a promise of results. Your numbers produce your own figures.

Illustrative model
W-2 earner, $145k, 741 credit

$38k liquid, no business entity, rents.

  • Entity + S-corp election modeled on a $60k side income
  • Borrowing power mapped across HELOC, SBA microloan, 0% business lines
  • House-hack structure at 5% down with rental offset underwriting
$310k
Modeled accessible capital
Illustrative model
Business owner, $420k profit, LLC

Taxed as a partnership, no depreciation strategy.

  • Entity posture review: LLC → S-corp with reasonable-comp modeling
  • PTET election screened for the owner's state
  • Cost segregation modeled on two owned properties
6 elections
Eligible this tax year, with deadlines
Illustrative model
Investor, 3 rentals, $610k equity

Equity trapped, DSCR unknown, no entity separation.

  • Per-asset DSCR and LTV computed, weighted blended rate
  • Idle-equity extraction estimate against 75% LTV ceilings
  • Capital recycling sequence into a fourth acquisition
$182k
Modeled idle equity available

The tools behind it

Straight answers

Do you pull my credit?

No. We never pull credit and never link accounts. You enter your score and numbers yourself.

Is this credit repair?

No. We do not dispute items or contact bureaus. We show you a strategy sequence you execute yourself.

Can I cancel?

Yes, any time — access runs to the end of the month you paid for.

Start with one real number

Three minutes, five inputs, no account required to see your first result.

Get my OPM Score™ free

Educational strategy software — not tax, legal, or investment advice.

OPM