Personal loans priced on a clean, positioned credit profile instead of the damaged one. Consolidate expensive debt, cover the emergency, or fund the next move, with our fee due only after the money lands.
The gap between a rough file and a clean one is not approval or denial. It is thousands of dollars in interest on the exact same loan.
Roll high-interest card balances into one fixed payment at a lower rate. The better your file reads, the more the consolidation actually saves you.
Medical bills, the transmission, the roof. A personal loan at a fair rate beats a maxed card or a predatory lender every time it happens.
A relocation, a certification, startup costs before the business bank account exists. Personal funding is often the first brick of the bigger plan.
We review your reports and tell you honestly: apply now, or run a repair cycle first so the same application prices hundreds of dollars a year cheaper.
We match you with lenders whose criteria you meet and package the application, so your inquiries are spent on real chances instead of guesses.
You review every offer with us before signing. Our 9% success fee is invoiced only after the funds are in your account. No funding, no fee.
A personal loan is priced on your credit report the day you apply. If that report is carrying inaccurate, outdated, or unverifiable items, you pay for them in every installment for years. That is why our funding service is built on top of our credit repair service: fix the report, then apply. Same you, same income, better file, better loan.
It depends on your credit profile, income, and each lender's criteria. No amount, rate, or approval is guaranteed. At your consultation we give you an honest range based on your actual file, not a billboard number.
No. Colst Capital is not a lender or a bank. We are advisors: we prepare your file, match you with third-party lenders, and manage the process. We may receive compensation from lenders in connection with placements, and we disclose that plainly.
The consultation is free. If we secure funding, our success fee is 9% of the amount funded, invoiced after the money is in your account. The loan itself costs whatever the lender charges in interest and fees, which we walk through with you before you sign.
Usually, if your file has questionable items on it, yes. A few months of repair can change what the same loan costs you for years. We will tell you which order makes sense for your file at the consultation, even if the answer is "apply now, you are ready."
One free consultation. An honest read on your file, your options, and whether to repair first or apply now.
No retainers. No funding, no fee.