Most Business Owners Qualify for Far More Capital Than They're Offered.
We match you with the right lenders, products, and sequence so you can access the funding your business has earned, without guessing or getting denied.
Why Good Businesses Get Underfunded.
It's rarely about whether you qualify. It's about where, how, and in what order you apply.
Wrong Lender, Wrong Product
Your bank only offers what it has, not what you qualify for.
Denials Hurt Your Credit
Applying blindly creates inquiries and lowers approvals.
You're Leaving Money on the Table
Without a strategy, most owners get a fraction of their real capacity.
Funding Solutions Built
Around Your Business.
The right capital, matched to where your business is today and where it's going.
Business Credit Cards
Access 0% intro APR options to fund growth with flexibility.
Lines of Credit & Term Loans
Revolving and fixed capital matched to your business profile.
Revenue-Based Funding
For businesses with steady monthly revenue that need speed.
Credit Consulting & Repair
Get fundable before you apply, so approvals come easier.
Three Steps to the Capital You've Earned.
A simple, founder-led process from first call to funds in your account.
Free Assessment
We review your credit, revenue, and goals.
Custom Funding Strategy
The right lenders, in the right order, to maximize approvals.
Capital Deployed
Funds in your account to grow, hire, buy inventory, or market.
Who We Help.
Business owners and entrepreneurs at every stage.
The Difference a Strategy Makes.
Same business. Same credit. Very different outcome.
Meet Jamal Hyman,
Founder & CEO.
In 2019, Jamal started out with bad credit — until a mentor showed him what was possible. Within a year of investing in that mentorship, he fixed his credit and unlocked six figures in funding for himself. Along the way, he helped friends and family repair their credit and secure funding too. Mismanaging some of his own funds taught him an even greater lesson: capital means nothing without a plan. That experience became his deployment system — and today, Jamal doesn't just help people get funded, he helps them put every dollar to work in the right places so their businesses can scale the right way.
Book a Free ConsultationWhat Clients Say.
Real business owners. Real capital.
I couldn't have done it without this team. They got me six figures, and I don't know how I would've done it on my own.Sean ShawConsulting
This team got me way more than I expected. My funding goal was 250, and I got 75,000 more.Watik AleemReal Estate
Me and my husband needed this to start my business. Shout out to the Patience Pays team. We couldn't have done it without them.Brooklyn WilliamsConsulting
Book Your Free Funding Strategy Call.
Pick a time that works for you. We'll review your credit, revenue, and goals and show you what you qualify for.
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Frequently Asked Questions.
Straight answers before you book.
What can I use the funding for?
Inventory, equipment, hiring, marketing, payroll, expansion, acquisitions — any legitimate business expense. Most entrepreneurs use it to move faster without touching personal savings.
What credit score do I need?
We typically look for a credit score of 680 or higher to unlock the best funding options. Not there yet? We'll give you a plan to get there.
Will this hurt my credit?
Applications create hard inquiries, which can cause a small, temporary dip. Our sequencing strategy keeps inquiries to a minimum and targets the lenders most likely to approve you, so every inquiry counts.
How long does it take?
Most clients are funded in two to four weeks, depending on their profile and the funding products involved.
Do you work with startups?
Yes. We work with startups and brand-new businesses, not just established companies.
How do you get paid?
We get paid on the back end, after your funding is secured. No upfront fees.
What if my credit isn't ready yet?
We give you a strategy and blueprint to build or fix your credit, and we offer credit restoration to clean it up — so you reach your funding goal faster.