Pass the
foundation gate.
EIN registered, business bank account open, two years of clean personal credit, and a real revenue signal. We don't promise outcomes to profiles that won't fund.
01
Now · accepting founding members
Businesscredit,considered.
Meridian reads your bureau profile, matches you to lenders, and coaches you to 750+ across a structured twelve-week climb — once your foundation qualifies.
Dun & Bradstreet+ 26
78
Experian Business+ 41
86
Equifax Small Biz+ 18
744
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Pass the
Read your
bureau profile.
We pull live D&B, Experian, and Equifax files, surface what's hurting your score, and rank fixes by lender impact.
02
Twelve weeks
of coaching.
Voice check-ins every Monday. Vendor reports, cycle choreography, dispute drafts — done with you, not at you.
03
Graduate
fundable.
Twelve weeks in, qualifying members hold a fundable profile, three reporting trades, and approved limits north of $50k.
04
The product
Everything you need to graduate fundable.
A live bureau dashboard, a matching engine, a vendor playbook, a voice coach, and a referee for every dispute. One subscription.
Live score
Watch your three scores move in real time.
Refreshed nightly from D&B, Experian and Equifax. We tell you which actions caused which delta.
300744 today850
Lender match
Approval odds, ranked.
Amex Business Plus96%
Chase Ink Cash91%
Capital One Spark72%
Voice coach
Mondays, 10 minutes.
M
Nice work — Quill reported on time. This week: open Uline net-30 and pull your Equifax
Cycle Choreography Founder + Studio
Move balances before the bureaus see them.
We map every card's statement-close and due date, then schedule transfers so utilization shows under 10% on the day each card reports — even when cash flow is tight.
Amex Plus
7%
Chase Ink
9%
Cap One Spark
6%
The twelve-week method
A structured climb, not a hopeful one.
No outcome promises until you clear the foundation gate. From there, twelve weeks of single-objective playbooks. Miss a week, we surface it; finish it, we unlock the next.
Week 0 · Foundation gate
Qualify before you climb.
We don't enroll profiles that won't fund. Clear these five and you're in.
- 1EIN & entity in good standingState filings current, registered agent active.
- 2Business bank accountOpen 60+ days, separate from personal funds.
- 3Personal credit ≥ 660Two years no 30-day lates, no open collections.
- 4Verifiable revenue$3k+/mo for three months, statements or POS feed.
- 5Address & phone match411-listed, matching EIN, with a real P.O. or commercial address.
01
Week oneBureau audit
Pull D&B, Experian, Equifax. Reconcile EIN, NAICS, address. Fix mismatches that block approvals.
02
Week twoVendor stack opens
Open Uline, Quill, Grainger and Crown net-30 lines. Three reports = first Paydex.
03
Week threeVendor reporting
Place small orders, pay early. Verify each vendor reports to D&B and SBFE before moving on.
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Week fourTradeline #1
Secured business card opens, reports to all three bureaus. Cycle choreography rules from day one.
05
Week fiveDisputes & cleanup
Templated disputes for inaccurate trades, wrong industry codes, stale collections.
06
Week sixCycle choreography
Map every statement-close and due date. Move balances so reported utilization stays under 10%.
07
Week sevenTradeline #2
Stack a second reporting account. Sequencing matters — we run it for you.
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Week eightTradeline #3
Third reporting trade unlocks the bureau's depth criteria. Now you're a real file.
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Week nineUtilization shaping
Hit the 9% utilization sweet spot before each statement close. Auto-payments mapped per card.
10
Week tenBureau aging
Hold the line. Trades season, file deepens, scores climb without new inquiries.
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Week elevenApplication sequence
Apply to the lender stack in order. Maximum approval probability, minimum hard pulls.
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Week twelveGraduate fundable
Score above 700, three reporting trades, a fundable profile and a written growth plan.
“Meridian is the first product that treated my company like a real borrower, not a credit score on a chart.”
Lina Park · founder, Northwind Logistics
By the numbers
Real outcomes, audited quarterly.
0
Average graduate Equifax score
+0
Median 12-week score lift, qualified members
$0M
Member credit lines approved YTD
0%
Qualified members hitting 700+ by graduation
Pricing
One subscription. Twelve weeks. Done.
Pass the foundation gate, then cancel any time. Founding members lock the rate for life.
$49/mo
For one business, one operator.
- Live three-bureau dashboard
- Lender match engine (10/mo)
- Self-guided 12-week method
- Email coach support
$129/mo
For operators serious about getting funded.
- Everything in Solo
- Voice coach, weekly check-ins
- Unlimited lender matches
- Cycle Choreography — close/due timing engine
- Dispute drafting + filing
- Vendor stack auto-provisioning
$349/mo
For multi-entity owners and CPA firms.
- Everything in Founder
- Cycle Choreography across all entities
- Up to 10 entities
- White-label client portal
- API + Supabase export
- Priority human coach
Twelve weeks from now, you'll be fundable.
If you clear the foundation gate and finish the method, or your money back. Founding members keep their rate forever.
Claim your founding seat →