
In this 50-minute workshop, you’ll see how real estate investors and business owners reposition themselves from a consumer borrower classification into the banking system’s top institutional borrower tier—where approvals become predictable.
Most entrepreneurs believe funding approvals are based on credit scores.
They’re not.
Banks classify borrowers into risk tiers based on behavior, liquidity, and identity signals.
That classification determines:
approval limits
interest rates
how much capital banks are willing to extend
Inside this workshop you’ll discover:
Why 90%+ of entrepreneurs are unknowingly classified as high-risk borrowers — even with good credit
The hidden underwriting triggers banks use that never appear on your credit report
How investors and business owners access $100K–$1M+ in unsecured capital at Prime +1%
The four borrower profiles banks are eager to approve
How to engineer approvals across multiple institutions without damaging your borrower profile
Merrill is America's Leading Funding Expert in bank approval optimization and institutional funding strategies.
After studying thousands of borrower profiles and analyzing how underwriting systems evaluate risk, Merrill developed the Bank Approval-Readiness™ System—a methodology designed to reposition business borrowers into the banking system’s top borrower tier.
He took his system to his contacts at FICO® who validated these bank approval-readiness strategies. Implementing his system has resulted in his community securing over $300 million in institutional-grade bank approvals.

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