# Credit Repair, Business Credit & Personal Funding | KREC

*Fix your personal credit, unlock $50K-$150K+ in 0% introductory APR business credit, or get unsecured personal funding — capital for your next deal without collateral.*

## Credit & Business Funding

Better credit. More capital.

Whether you're rebuilding your score, stacking 0% interest business credit, or looking for unsecured personal funding — we have a program built for it.

#### Credit Repair

Clean up your personal credit profile. We dispute inaccurate items, build positive tradelines, and coach you to the score you need to qualify for better financing.

- Inaccurate item disputes
- Score-building game plan
- Ongoing progress tracking

#### 0% Interest Business Credit

Access $50K–$150K+ in 0% introductory APR business credit — capital for marketing, materials, or your next deal without touching your savings.

- 0% intro APR (typically 12–18 months)
- No collateral required
- Doesn't report to personal credit

#### Personal Funding

Unsecured personal loans and credit lines based on your credit profile — flexible cash for down payments, reserves, or any purpose, with no collateral.

- Up to $100K+ unsecured
- No collateral or income docs on many programs
- Use the funds for anything

### How It Works

#### Submit the form

Tell us what you need. Add your documents now to skip a step later.

#### Strategy call

Our credit team reviews your goals and lays out your options and timeline.

#### We get to work

Disputes filed, credit lines opened, or your double close funded.

Wholesaling and need to double close? [See Transactional Funding](https://keyrealestatecapital.com/loan-products/transactional-funding)

#### Get Started

Tell us what you're looking for and our team will reach out with next steps.

Speed up your onboarding (optional)

Provide these now and we can start your file immediately. Your SSN and account logins are encrypted before storage and are never sent by email.

Photo of ID

Driver's license, passport, or state ID.

Utility Bill

A recent bill showing your name and address.

Current Credit Report

A recent report from Experian, Credit Karma, or any bureau — helps us build your game plan faster.

Encrypted with AES-256 before storage.

Experian Login

Credit Karma Login

Your information is transmitted over an encrypted connection. Sensitive details are encrypted at rest and never included in email.

Flexible, creative lending solutions to help real estate investors scale their portfolios.

NMLS ID: #2676974

##### Quick Links

- [Home](https://keyrealestatecapital.com/)
- [Loan Products](https://keyrealestatecapital.com/loan-products)
- [Real Estate Lending](https://keyrealestatecapital.com/real-estate-lending)
- [Answers](https://keyrealestatecapital.com/answers)
- [Calculator](https://keyrealestatecapital.com/calculator)
- [Recently Funded](https://keyrealestatecapital.com/deals)
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- [About Us](https://keyrealestatecapital.com/about)
- [Contact](https://keyrealestatecapital.com/contact)

##### Loan Products

- [Fix & Flip](https://keyrealestatecapital.com/loan-products#fix-and-flip)
- [Single Rental](https://keyrealestatecapital.com/loan-products#single-rental)
- [New Construction](https://keyrealestatecapital.com/loan-products#new-construction)
- [Rental Portfolio](https://keyrealestatecapital.com/loan-products#rental-portfolio)
- [Bridge Loans](https://keyrealestatecapital.com/loan-products#bridge)
- [Transactional Funding](https://keyrealestatecapital.com/loan-products/transactional-funding)

##### Contact Us

- Phone [(619) 369-4444](tel:619-369-4444)
- Email [lindsay@keyrealestatecapital.com](mailto:lindsay@keyrealestatecapital.com)
- Office 401 W A St Ste 200 San Diego, CA 92101

##### Markets We Serve

© 2026 Key Real Estate Capital. All rights reserved.

Service Hours: 24/7 | Monday - Sunday

## Links
- [San Diego](https://keyrealestatecapital.com/locations/san-diego)
- [Phoenix](https://keyrealestatecapital.com/locations/phoenix)
- [Dallas-Fort Worth](https://keyrealestatecapital.com/locations/dallas-fort-worth)
- [Houston](https://keyrealestatecapital.com/locations/houston)
- [Atlanta](https://keyrealestatecapital.com/locations/atlanta)
- [Tampa](https://keyrealestatecapital.com/locations/tampa)
- [Orlando](https://keyrealestatecapital.com/locations/orlando)
- [Miami](https://keyrealestatecapital.com/locations/miami)
- [Las Vegas](https://keyrealestatecapital.com/locations/las-vegas)
- [Denver](https://keyrealestatecapital.com/locations/denver)
- [Charlotte](https://keyrealestatecapital.com/locations/charlotte)
- [Nashville](https://keyrealestatecapital.com/locations/nashville)
- [Sacramento](https://keyrealestatecapital.com/locations/sacramento)
- [Riverside](https://keyrealestatecapital.com/locations/riverside)
- [Jacksonville](https://keyrealestatecapital.com/locations/jacksonville)
- [San Antonio](https://keyrealestatecapital.com/locations/san-antonio)
- [Columbus](https://keyrealestatecapital.com/locations/columbus)
- [Indianapolis](https://keyrealestatecapital.com/locations/indianapolis)
- [Kansas City](https://keyrealestatecapital.com/locations/kansas-city)
- [Memphis](https://keyrealestatecapital.com/locations/memphis)
- [Birmingham](https://keyrealestatecapital.com/locations/birmingham)
- [Cleveland](https://keyrealestatecapital.com/locations/cleveland)
- [Austin](https://keyrealestatecapital.com/locations/austin)
- [Privacy Policy](https://keyrealestatecapital.com/privacy-policy)
- [Terms & Conditions](https://keyrealestatecapital.com/terms-of-service)
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Related Key Real Estate Capital resources:
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- Loan calculator: https://keyrealestatecapital.com/calculator
- Contact: https://keyrealestatecapital.com/contact

Key Real Estate Capital — nationwide private capital lender.
Contact: lindsay@keyrealestatecapital.com | SMS 619-376-1161