⚡ Business Tier
Lender Stacking — The $80K Same-Day Strategy
Apply to 4 personal lenders inside a single 24-hour window — before any hard pull posts to the other bureaus, so each approves independently. You can apply to all four right now below; the exact order, which bureau each pulls, the 24-hour inquiry-removal sequence, and real approval data unlock with the C3 Business tier.
🎯 The Four Lenders
Shop These Three Freely
Each of these three lets you check your rate with a soft pull — no inquiry, no score impact — so you can see real numbers before committing to anything. The hard pull only happens if you accept an offer. The fourth lender is different; it is below, on its own, for a reason. Precise sequencing, bureau targeting and inquiry-removal timing are in the Business playbook.
Upgrade
Personal loans up to $20,000 with same-day funding. Checking your rate does not affect your score; the hard pull comes only if you accept. Minimum score around 580–600.
Check my rate at Upgrade ↗Best Egg
Approves thinner files. Prequalification is a soft pull; the hard pull comes only if you accept. Minimum score around 600–640.
Check my rate at Best Egg ↗SoFi
Member ecosystem (bank, invest, insure); strong rates with verified income. Rate check is a soft pull; the hard pull comes only when you accept and finalise.
Check my rate at SoFi ↗⚠ Hard pull — different rules
LightStream Hard pull immediately
There is no way to check your rate at LightStream without a hard inquiry.
LightStream (Truist-owned) offers no prequalification — submitting the application is the
credit pull, and the inquiry posts whether you are approved or not. Reported minimum score is
680–695, higher than the three above.
Only apply if you are confident you already qualify. If your score is below the high 600s, use the three soft-pull lenders above first — you can see their real offers at no cost, and you keep the inquiry you would have spent here.
I understand — go to LightStream ↗
Only apply if you are confident you already qualify. If your score is below the high 600s, use the three soft-pull lenders above first — you can see their real offers at no cost, and you keep the inquiry you would have spent here.