Funding Readiness Assessment
Credit snapshot, fundability score, limited AI insights, and recommended path.
Start freeMembership ladder
Start free. Upgrade into credit repair, business credit, and funding readiness.
Credit Orchard is priced like a financial advancement platform: free assessment first, then paid support for AI credit repair, monitoring, business credit builder, funding concierge, and capital acceleration.
Five-level monetization ladder
Capture buyers at every stage of the journey.
The public offer should not be one credit repair service. It should create a clear path from free assessment to monitoring, credit repair, business credit, funding concierge, and growth capital strategy.
Monitoring + AI Action Plans
Progress tracking, credit check-ins, alerts when supported, and weekly AI recommendations.
See monitoringAI Credit Repair
Credit repair assistance, issue tracking, utilization coaching, and customer dashboard updates.
Start GrowthBusiness Credit + Funding Prep
Business credit builder, Funding Readiness Score, document checklist, and marketplace guidance.
Get funding-readyCapital Accelerator
White-glove strategy, CDFI matching, credit union matching, SBA preparation, and expansion planning.
Choose AcceleratorPaid plans
Simple paid paths after the free scorecard.
Growth is the core credit repair plan. Funding Ready is the best-value business owner plan. Capital Accelerator is for urgent goals, complex files, and funding strategy.
AI Credit Repair Growth
$99per month
For customers who want personal credit repair, progress tracking, and AI action plans started without a heavy upfront decision.
- AI-assisted credit file review
- Issue organization and repair workflow
- Utilization and inquiry guidance
- Dashboard progress tracking
Credit Orchard Funding Ready
$149per month
For business owners who want personal credit repair connected to business credit builder and funding preparation.
- Everything in Growth
- Business Credit Builder Roadmap
- Funding Readiness Score
- Potential marketplace pathway guidance
Capital Accelerator
$249per month
For urgent goals, business funding strategy, mortgage/car timing, identity concerns, or complex files.
- Everything in Funding Ready
- Priority workflow cadence
- CDFI, credit union, and SBA planning
- Expansion capital preparation
What unlocks after checkout
Each plan opens a different dashboard experience.
Customers should understand what they are buying before the Stripe page. The plan is not a mystery service; it is a clearer operating path.
Personal credit repair path
Unlocks AI issue map, repair workflow, progress updates, utilization timing notes, and monthly customer check-ins.
Best next step: fix the credit file first.Credit + business readiness path
Adds Funding Readiness Score, business foundation checklist, document readiness, and funding-preparation pathway notes.
Best next step: prepare before applying.Priority timing path
Adds priority sequencing for urgent purchases, identity concerns, complex files, denial timing, and higher-touch capital planning.
Best next step: move fast with guardrails.Plan detail
Each plan opens a different operating path.
The buttons should not feel like three versions of the same checkout. Each plan routes the customer into a different level of review, readiness, and dashboard visibility.
Best for personal AI credit repair
Use Growth when the customer mainly needs collections, charge-offs, late payments, utilization, inquiries, or reporting inconsistencies organized into a repair workflow.
- Week 1 focus: AI-assisted credit issue map
- Dashboard focus: repair workflow and progress updates
- Upgrade trigger: business funding, mortgage timing, identity concerns, or complex documentation
Best for business owners
Use Funding Ready when personal credit repair should connect to business credit builder, funding-readiness scoring, document preparation, and ongoing monthly check-ins.
- Week 1 focus: personal credit plus business-readiness blockers
- Dashboard focus: repair, readiness score, and document needs
- Upgrade trigger: urgent deadlines, partner-readiness review, or higher-touch timing
Best for urgent or complex goals
Use Capital Accelerator when the customer is preparing for a car, house, apartment, business funding conversation, identity issue, or deadline-sensitive decision.
- Week 1 focus: expanded review and priority sequencing
- Dashboard focus: urgent tasks, readiness gaps, and next best action
- Important limit: no score, deletion, approval, funding, or timeline guarantees
Business owner path
Business and funding readiness are included in the higher plans.
Instead of selling a confusing menu of add-ons, Credit Orchard routes business owners into Funding Ready or Capital Accelerator when their goal involves business credit, funding preparation, documentation, or application timing.
Business Credit Readiness Check
Personal credit blockers, business profile basics, document gaps, and readiness priorities.
Funding Readiness Blueprint
Use-of-funds notes, likely funding blockers, application timing, and a safer preparation path before applying.
Urgent Goal Support
For customers working toward a car, house, lease, business funding conversation, or tighter timing window.
Credit Progress Tracking
Dashboard updates, next-step reminders, and plain-language progress notes while the plan is active.
Pricing FAQ
Important pricing expectations.
Which plan should most people start with?
Most visitors should start with the free Funding Readiness Assessment. Personal-credit customers can then upgrade to Growth. Business owners, funding-prep customers, and people who want broader readiness support should choose Funding Ready.
Do these prices guarantee a credit result?
No. Pricing covers AI-assisted review, organization, dashboard access, progress tracking, correspondence workflow support, readiness support, and plan-specific services. Outcomes are not guaranteed.
Can business owners still get funding-readiness support?
Yes. Business and funding readiness are included in Funding Ready and expanded in Capital Accelerator. Credit Orchard helps prepare and organize; it does not guarantee funding, approvals, credit lines, rates, or terms.
Compliance-safe pricing note
Pay for support and preparation, not promised outcomes.
Credit Orchard does not guarantee score increases, item removals, approvals, funding, credit lines, interest rates, or timelines. Any customer-facing credit repair step remains subject to authorization, review, applicable disclosures, and applicable cancellation rights.