Most credit repair companies stop when the report is clean. Most funding brokers take your file as-is. We built Colst Capital to do both, in the right order, because the report was never the goal. The funding was.
Nobody wakes up wanting a 720. They want the house, the truck, the business line, the fair rate. Credit repair alone hands you a cleaner report and a handshake. Funding brokers alone shop your damaged file to lenders and let you eat the pricing. Colst Capital was built on a simple observation: the person fixing your report and the person positioning you for funding should be the same team, because every decision in the repair phase should be made with the funding phase in mind.
No fees before services are performed on the repair side, as the law requires. No success fee before funds land on the funding side, as fairness requires. Our incentives sit on your side of the table.
We do not guarantee score increases, removals, approvals, or amounts. Anyone who does is either lying or breaking the law, usually both. We guarantee the work and show you all of it.
Written contract, written statement of your rights, a 3-business-day right to cancel, and a plain-English update after every dispute cycle. If we did it, you can read it.
One pipeline, three phases. Where you enter depends on your file. Where you exit is the same: funded.
Every inaccurate, outdated, and unverifiable item challenged under the FCRA until your file tells the truth about you.
Credit repair →Utilization strategy, tradeline guidance, and a funding readiness review, so your file reads like an approval before a lender ever sees it.
Get reviewed →Business loans, business credit cards, or personal loans through matched lenders, with our success fee due only after funds land.
Funding routes →Rough file? Start with the free audit. Clean file? Book the consultation. Either way, you will know exactly where you stand before you pay a dollar.
No upfront fees. No long contracts. Cancel anytime.