DEEM
DEEM Credit Builder
CAPITAL READINESS INTELLIGENCE
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DEEM Credit Builder · FLO + REX Intelligence Layer

Credit Readiness Builder

Build the credit infrastructure required to access capital. Score your credit readiness, identify risk flags, plan business credit development, assess debt capacity, build your documentation vault, and generate the 12 NPP-mapped credit intelligence artifacts that answer the question every lender, funder, and institution asks first.

What must become more credible, documented, and fundable?

💳
Build Your Credit Readiness Plan

Select a mechanism, complete the credit intake, score your readiness across all dimensions, review risk flags, build a 90-day action plan, and generate the 12 NPP-mapped credit intelligence artifacts that prepare your mechanism for capital access.

FLO · Credit Profile Intake

Credit Profile Builder

Document your current credit profile — business and personal. This intake feeds all 12 credit intelligence artifacts and the credit readiness score.

Business Profile

Entity & Credit Foundation

yrs
$
$
Business Credit Profile

Business Credit Status

BUSINESS CREDIT BUREAUS
accounts
Net-30/60/90 vendor accounts that report to business credit bureaus.
yrs
Personal Credit Profile

Founder / Owner Credit

Personal credit is reviewed for most business loans, SBA loans, and lines of credit under $250K.
yrs avg age
Payment History & Documentation

Track Record & Vault

PAYMENT HISTORY
DOCUMENTATION VAULT
FLO · Credit Readiness Assessment

Credit Readiness Scoring Engine

Score your credit readiness across 8 dimensions that lenders, funders, and institutional partners evaluate. The composite score benchmarks your capital access readiness.

Dimensions 1–4

Credit Foundation

/10
10 = Paydex 80+, Intelliscore 76+, 5+ trade lines. 0 = no business credit file.
/10
10 = 750+ FICO, no derogatory marks, <10% utilization. 0 = below 580, collections.
/10
10 = 100% on-time, all accounts, 3+ years. 0 = multiple late payments or collections.
/10
10 = strong positive monthly cash flow with 6+ months reserves. 0 = negative or erratic cash flow.
Dimensions 5–8

Capital Access Readiness

/10
10 = 3-yr financials, tax returns, business plan, all legal docs ready. 0 = no documentation.
/10
10 = clean lien search, no judgments, entity in good standing. 0 = active liens or judgments.
/10
10 = dedicated business bank 2+ years, multiple products (checking, LOC, merchant). 0 = no business bank.
/10
10 = existing lender relationships, CDFI connections, SBA pre-qualification. 0 = no lender relationships.
FLO · Business Credit Development

Business Credit Build Plan

Map your business credit building strategy — from entity foundation to trade lines to credit products. Business credit separates entity credit from personal credit, protecting owners and expanding capital access.

Business Credit Foundation

Entity & Registration

Trade Line Strategy

Vendor Credit Accounts

Net-30 vendor accounts that report to Dun & Bradstreet are the fastest way to build a Paydex score. Target 5+ reporting vendors for a strong business credit profile.
accounts
accounts
Credit Products

Business Credit Cards & Lines

SBA & Government Credit

Federal & State Programs

FLO · Debt Capacity Analysis

Debt Capacity Planner

Determine how much debt your mechanism can responsibly carry, what it can borrow today, and what you need to qualify for higher credit limits.

Current Debt Load

Outstanding Obligations

BUSINESS DEBT
$
$
$
PERSONAL DEBT (if guarantor)
$
$
$
Capacity & Capital Target

How Much Can You Borrow

$
$
$
$
FLO + REX · Credit Risk Register

Credit Risk Flag Review

Review the credit risk flags that lenders, funders, and institutional partners flag in credit due diligence. These are the issues that most commonly block or delay capital access.

FLO · 90-Day Credit Improvement Plan

Credit Action Plan Generator

Enter your credit goals and constraints to generate a prioritized 90-day credit improvement action plan.

Credit Goals

What You Are Working Toward

$
Constraints & Resources

What You Have to Work With

$/mo
FLO + REX AI Engine · 12 NPP-Mapped Artifacts
Credit Intelligence Artifact Generator
Generate all 12 credit readiness artifacts mapped to the NOVELOPMENTS Pathway (N1–S12).