No collateral. We give you a straight read on where your credit actually stands, fix what is in the way, and sequence the applications with you — from first call to funded. Japanese-owned businesses in the US welcome; calls available in Japanese.
The banks underwrite the person who signs, not the business. That is true whether you were born in Ohio or moved here from Tokyo — so the method is the same, and the starting point is not.
Most owners who get declined have a file with damage in it, or a file that is fine but structured badly for what they are asking for.
Owners who moved to the US usually have no damage at all. There is nothing to dispute — the file is simply thin or new. That is a build, not a repair, and it is a different plan.
Three stages. We tell you at the first call which one you are actually starting from.
Run the calculator or book a free call. No credit check, no obligation, and no cost to find out where you stand.
An honest read on your file — not the version that sounds good. Then repair the damage, or build the history, depending on which you actually have.
We structure and sequence your applications with you, built for the largest approvals, then you put the capital to work.
One application gets you one card. The size comes from sequencing — several issuers, in the right order, inside a tight window, each one underwriting your personal file and a personal guarantee you sign.
Illustration of the mechanism only. The issuers, the amounts, the order, and how many approvals come back differ for every applicant. This is not an estimate, an offer, a pre-approval, or a typical result.
Kengo knows what it feels like to have a plan you believe in and no way to fund it. Before Funding Kit, that was him — full of ideas, short on capital, watching good opportunities slip past for no reason other than access to money. He noticed something that bothered him: getting funded had almost nothing to do with how good your idea was, and almost everything to do with whether you understood the system. Most people never get taught that system. So they get told “no,” assume the door is closed, and give up.
Kengo built Funding Kit to be the person he wished he’d had back then.
His years at Apple reshaped how he works with people. The best in that room weren’t pushing anything — they were listening. Figuring out what someone actually needed, then pointing them to it, even when the answer was “not yet” or “not this.” He carries that into every client conversation at Funding Kit.
So here’s what working with Kengo actually looks like: he listens first. He gives you an honest read on where your credit and profile really stand — not the version that sounds good, the real one. Then he lays out a clear, step-by-step path toward qualifying for the funding you are after — whether that means strengthening your credit first or moving straight to financing. No pressure. No jargon. No selling you something you don’t need.
Check what you qualify for in 60 seconds, or book a free 30-minute call with Kengo.