My Business Credit, Inc.

What My Business Credit, Inc. does

My Business Credit, Inc. (legal entity Oxford Pierpont Capital, LLC) is a U.S.-only, cloud-based SaaS platform that helps small business owners assess pre-qualification for unsecured growth financing of up to $250,000 and, for those who do not immediately qualify, provides structured credit-building education and coaching. The platform's entry point is a free Pre-Qualification Scan that checks 150+ data points against business credit bureaus (Experian, Equifax, Dun & Bradstreet, CreditSafe) without a personal credit pull, then routes qualified users to a network of 200+ lenders and un-qualified users into a step-by-step credit remediation curriculum. The product surface includes three Business Credit Builder courses (23+ modules, 156+ topics), a 15-module personal credit repair course, vendor line-of-credit and business credit card databases, a lender-matching system, and the CreditSocial community platform for peer networking. Supporting features include virtual and live one-on-one coaching and a Business Marketplace vendor directory.

The company operates a tiered membership model: a free tier, a Basic tier at $29.97/month (7-day trial) granting full course and community access plus business/personal credit scores, and a Premium tier at $99/month (currently waitlisted) adding FICO SBSS, a score simulator, identity theft protection, and dark-web monitoring. A secondary B2B revenue layer is built around the Finance Pro Partner Program — a white-label platform with CRM, email/SMS marketing automation, milestone alerts, and lifetime client linking for commercial loan brokers — plus a Lead Generation Service delivering up to 50 qualified leads per week. Distribution combines product-led growth (free scan), direct sales/account management, and a 33% affiliate program with residual commissions on subscription renewals.

The company was founded by Bob Hunter (circa 2013 per company history), is headquartered at 3343 Peachtree Rd. NE, Suite #180-1125, Atlanta, GA, operates as a private LLC with 1–10 employees, and targets the roughly 90% of U.S. small businesses that are denied traditional financing. There is no disclosed institutional investment, revenue figure, or employee growth, though the company maintains an Investor Portal suggesting an intent to raise outside capital.

Name

My Business Credit, Inc.

Legal name

Oxford Pierpont Capital, LLC

Website

https://mybusinesscredit.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

My Business Credit is a U.S.-only SaaS platform that runs a free 150+ data point pre-qualification scan to match small business owners with 200+ lenders for up to $250K in funding, and provides tiered credit-building courses, coaching, and a partner network for declined applicants.

Ownership category

akta.pro rank

Product category

Business Credit Building & Small Business Funding Platform

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAKAGAL

SME Credit Underwriting, Scoring & Risk Analytics

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSAKAKAJ

Credit Education, Monitoring & Consumer Credit Management Tools

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

SECONDARYFSAGALAD

Embedded Lending & Credit (POS, Working Capital, Credit Lines)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAGADAE

Credit Score Monitoring & Credit Building

Financial & Insurance/Financial Technology (Fintech)/Personal Finance & Financial Wellness (PFM)

Keywords

• Business credit building
• Small business lending
• Credit education software
• Lender matching platform
• Funding pre-qualification

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Subscription Memberships: Tiered subscription model with Free, Basic ($29.97/month), and Premium ($99/month) tiers offering progressive access to credit builder courses, databases, coaching, and credit monitoring
2. Affiliate Commissions: Earn 33% commission on all revenue generated from referred clients who receive funding, with average earnings of $742.50 per funded referral on typical $75,000 business loans
3. Residual Commissions: Ongoing monthly commissions when referred clients renew their premium training platform subscriptions, providing passive income streams for affiliates

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

My Business Credit operates a cloud-based membership platform that helps small business owners access growth financing. The free Pre-Qualification Scan analyzes 150+ data points against business credit bureaus to identify funding eligibility and credit report errors, while the Business Credit Builder Course and related databases teach owners how to establish and strengthen business credit and connect them with 200+ lenders. For those who do not pre-qualify, the company offers step-by-step credit building software, virtual and live coaching, and the CreditSocial community.

Product overview

My Business Credit operates as a membership-based platform offering a suite of interconnected tools for business credit building and funding access. The core offering centers on a Pre-Qualification Scan that analyzes businesses against 150+ data points, combined with an educational Business Credit Builder Course spanning three parts (Starting With The Basics, Building Credit & Getting Funded, Increasing Your Odds of Approval) and a personal credit repair course. The platform provides tiered membership access (Free, Basic at $29.97/month, and Premium at $99/month) to databases of vendor lines of credit, business credit cards, and 200+ lenders. Additional offerings include the CreditSocial™ Community for networking, a Finance Pro Partner Program for loan brokers, an Affiliate Program for referrals, Lead Generation Services for brokers, and a Business Marketplace directory. The products work together as a funnel: free scanning identifies gaps, courses teach remediation, databases provide vendors and lenders, and community supports ongoing learning.

Differentiator

Problem solved

Functional benefit

Brands

• CreditSocial: A private social media platform for business owners to network, share products and services, and connect with others.

Products and services

• Pre-Qualification Scan Free assessment tool that checks over 150 data points on a business to determine pre-qualification status for funding programs, identifies errors on business credit reports, and provides recommendations for improvement. Designed for small business owners who want to assess their eligibility for up to $250,000 in unsecured funding without a personal credit check, completable in about 5 minutes.
• Business Credit Builder Course Multi-part educational software platform teaching business owners how to establish, build, and optimize business credit. Includes a Starting With The Basics course, a Part 2: Building Credit & Getting Funded course (10 modules, 73 topics covering personal and business credit scores, credit bureaus, FICO, and loan options), and a Part 3: Increasing Your Odds of Approval course (46 topics, 7 knowledge checks on SBA-compliant business plans, UCC filings, bank ratings, and securing financing without personal guarantees). Includes video coaching, step-by-step guides, and knowledge checks.
• Personal Credit Repair Course Comprehensive personal credit repair course with 15 modules and 75 topics covering credit fundamentals, legal rights, dispute strategies, debt management, and identity theft protection. Aimed at business owners who also want to improve their personal credit profile.
• CreditSocial Community Platform Private social media platform for business owners featuring networking capabilities, private groups and forums, messaging, event hosting, and the ability to share products and services. Members can connect, share experiences, and access curated resources within a vetted peer community.
• Vendor Line of Credit Database Searchable database of vendors for building business credit, including contact info, service description, credit tier, approval guidelines, credit bureau reporting info, and net terms. Helps business owners identify vendors willing to extend trade credit and report to business credit bureaus.
• Business Credit Card Database Searchable database helping business owners find business credit cards based on their current qualifications, with categorized listings to match approval likelihood.
• Lender Matching Service Access to over 200 lenders through the platform's pre-qualification system, with Account Manager support helping identify the best funding options for specific business needs (e.g., trucking equipment vs. commercial real estate). Well-qualified businesses can access funding in as little as 5 business days.
• Business Growth Membership Tiered subscription membership providing progressive access to credit builder courses, CreditSocial community, vendor and lender databases, business and personal credit scores (Experian, Equifax, TransUnion, FICO SBSS), credit monitoring and alerts, score simulator, identity theft protection, and dark web fraud monitoring. Includes a 7-day free trial for paid tiers.
• Finance Pro Partner Program White-label platform for loan brokers to help declined applicants get pre-qualified, featuring custom branding, client tracking dashboard and CRM, tailored email and SMS marketing campaigns, automatic milestone alerts, lifetime client linking, and passive residual commissions on premium service purchases.
• Affiliate Program Referral program paying 33% commission on revenue from referred clients who get funded, with average earnings of $742.50 per funded referral and up to $2,000 per referral on typical $75,000 business loans. Includes passive residual income from training platform renewals.
• Lead Generation Services for Loan Brokers Service for commercial loan brokers providing up to 50 qualified business loan leads per week through customized campaigns targeting specific niches. Includes a customized CRM with email/SMS campaigns, social media management, and a 30-day risk-free trial with free CRM tools.
• Business Marketplace Directory Curated database of verified vendors and partners categorized by service type (startup resources, phone systems, virtual mailbox, marketing, web hosting, taxes) and industry (trucking, real estate, legal, general business). Helps business owners find vetted service providers to establish and grow their business.

Quantifiable outcome

• Well-qualified businesses can access funding in as little as 5 business days
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Nav: Nav matches SMBs to financing products and monitors business credit across bureaus. Competes directly on the same business-credit-plus-lender-matching proposition My Business Credit offers.
• Lendio: Lendio operates an SMB loan marketplace connecting applicants with 75+ lenders. Directly comparable marketplace model and target SMB borrower segment.
• Fundera: Fundera (now part of NerdWallet) is an SMB loan marketplace comparing lenders across credit, term loans, and SBA products. Closely comparable SMB financing-match product and audience.
• Biz2Credit: Biz2Credit operates an SMB lending marketplace with proprietary credit scoring and a network of 1.2M+ borrowers. Comparable SME underwriting + lender-matching combination.
• Credibly: Credibly provides working capital and SMB financing with an online application and lender/funder match. Comparable SMB-focused funding-access platform.

Broad incumbents

• Credit Karma: Credit Karma offers free credit scores, monitoring, and education to consumers. Overlaps on the credit-monitoring and credit-education side of My Business Credit's product.
• Funding Circle: Funding Circle is an established SMB lending marketplace with institutional scale. Competes indirectly on SMB loan access and serves as a benchmark for marketplace scale.
• BlueVine: BlueVine provides SMB banking, lines of credit, and invoice factoring. Comparable SMB financing focus with broader banking-product portfolio.
• OnDeck: OnDeck is an established online SMB lender offering term loans and lines of credit. Comparable short-term SMB capital product, broader incumbency and balance sheet.
• Experian Business: Experian Business supplies commercial credit reports and scores used in SMB underwriting. Comparable on the credit-data and credit-monitoring layer of My Business Credit's stack.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/mybusinesscred
• YouTubeyoutube.com/channel/UC3evbUSpPUyoD8Jo0FN6y1g
• Facebookfacebook.com/mybusinesscred
• LinkedInlinkedin.com/company/mybusinesscred
• Instagraminstagram.com/mybusinesscred

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about My Business Credit, Inc.