What we tell our own family.
If Josh or Chris wouldn’t tell a client to use it, it’s not on this page.
Some links pay us a commission — it never changes your price or what we recommend, and nothing can guarantee credit outcomes. Full disclosure.
Credit Monitoring
MyScoreIQ — monitor your personal credit
The personal-credit monitoring we have clients use: the FICO® scores lenders actually pull — including auto and mortgage variants — plus full three-bureau reports, daily monitoring, and identity alerts.
Subscription pricing and terms are set by MyScoreIQ.
Partner offer — we may earn a commission.
Nav Prime — monitor your business credit
How we track business credit: the Expand plan (about $75/mo) adds a reporting tradeline and shows your FICO SBSS business scores. Reports to D&B, Equifax, and Experian.
Plan pricing is set by Nav; results depend on your business’s activity — no product can guarantee credit outcomes.
Partner offer — we may earn a commission.
Personal Loans
SoFi Personal Loans — borrow $5K–$100K
Fixed-rate personal loans from $5,000 to $100,000 with no origination fees or prepayment penalties — same-day funding is possible once approved.
Amounts, rates, and approval are set by SoFi and based on creditworthiness; not all applicants qualify.
Partner offer — we may earn a commission.
Compare personal loan options
Declined, or want to see more options? A free matching marketplace built for every credit situation — offers from multiple lenders, up to $750K, with no impact to your credit score to check.
Rates and approval are set by the participating lenders; checking offers does not affect your credit.
Partner offer — we may earn a commission.
Business Owners
ZenBusiness — form your LLC
Starting out? Step one is making the business real on paper — ZenBusiness handles the LLC filing, registered agent, and paperwork online.
Formation pricing and state fees vary by state; terms are set by ZenBusiness.
Partner offer — we may earn a commission.
Kick — the bookkeeping we actually use
Paying for QuickBooks or a bookkeeping team? Kick replaced both for us — AI bookkeeping with real-time P&L your CPA can work with. Free up to $25K in annual expenses.
Pricing tiers are set by Kick; paid plans carry a 30-day trial.
Partner offer — we may earn a commission.
Capital On Tap — business card, no credit check
Already doing revenue? An EIN-only business credit card with no personal credit check — 1.5% uncapped cash back and no annual fee. Reports to D&B, Equifax, and Experian.
Generally for businesses doing $10K+/month in revenue; approval and terms are set by Capital On Tap.
Partner offer — we may earn a commission.
Revenued — business card + flexible capital
A business card and funding line that qualify on your revenue, not a personal credit check — funding can land within a day. Reports to D&B and SBFE.
Generally $20K+/month in deposits, 1+ year in business, and a business checking account; terms are set by Revenued.
Partner offer — we may earn a commission.
Ramp — corporate cards & spend management
EIN-only corporate cards with no personal guarantee, unlimited virtual cards, and built-in spend controls — free to start. Reports to D&B, Equifax, and Experian.
Generally requires $25K+ held in your business bank account; approval and terms are set by Ramp.
Partner offer — we may earn a commission.