Funding & Score Match
Know what you qualify for before you apply.
Your Funding Score and Score Match compare your profile with 65 lending and card partners, so you apply where you already fit and see exactly what unlocks the next tier.
Storehouse is not a lender. Matches are not offers or guarantees of credit; each lender makes its own decision and may run a hard inquiry when you apply.
- American ExpressBlue Cash Everyday® CardStrong fit
- Capital OneQuicksilver Cash Back Rewards CardStrong fit
- SoFiSoFi Personal LoanAlmost
Next tier: bring card utilization under 10%
65 partners
Lending and card partners in Score Match
Funding Score 0–100
Built from 6 lender factors
Cards and personal loans
From partners like Amex, Chase and SoFi
No hard pull to look
Lenders may run one when you apply
How it works
From your file to a ranked list of partners.
Score Match does the comparison shopping before any lender sees an application.
- 01
Step 1
Storehouse reads your profile
Your three credit reports, plus the details you add (income, business age, existing accounts) and any bank accounts you link, read-only, through Plaid.
Linked accountsSample data- Checking ··1042$8,214
- Savings ··7730$21,560
- Card ··4821−$2,630
- Read-only via Plaid · we never move money
- 02
Step 2
Your Funding Score is calculated
Six lender factors (utilization, age of credit, inquiries, derogatory marks, income and tradelines) become one 0–100 readiness score.
Sample dataFunding ScoreLender readiness, 0–10074/ 100Strong- Utilization38% on revolving cards
- Age of creditOldest account 9 yrs
- Inquiries2 in the last 12 months
- Derogatory marksNone in 24 months
- IncomeStated income, verified by lender
- Tradelines9 open accounts, mixed
Biggest lift: bring card utilization under 10%.
- 03
Step 3
Score Match compares you with each partner
Every partner has its own criteria. Score Match checks your profile against each of the 65 and ranks them by fit: strong fit, almost, or not yet.
- Ranked by fit, not by ads
- The reason behind every match
Sample data- Strong fitAmerican ExpressBlue Cash Everyday® CardCash back credit card
- Funding Score 70+
- No late payments in 24 months
- Strong fitCapital OneQuicksilver Cash Back Rewards CardCash back credit card
- Utilization under 30%
- Oldest account 2+ years
- AlmostSoFiSoFi Personal LoanPersonal loan
- Lower debt-to-income first
- Verifiable income on file
Sample data: an illustrative match, not an offer. Partner and card names are trademarks of their issuers, shown as examples from Storehouse’s Funding Offers partners. Fit signals are sample Storehouse criteria, not issuer requirements. Approval, rates and limits are set by each lender.
- 04
Step 4
See what unlocks the next tier
If you’re close, Storehouse shows the specific change that would move you up, like bringing card utilization under 10%.
Sample dataFunding tiersYou’re in Tier 3 of 5- Tier 1 · Building✓ Unlocked
- Tier 2 · Developing✓ Unlocked
- Tier 3 · StrongYou are here
- Tier 4 · Very strongNext: utilization < 10%
- Tier 5 · Top tierLocked
- 05
Step 5
Apply where you fit, on your schedule
When you’re ready, you choose a partner and apply with them directly. The lender reviews your application and makes its own decision.
Storehouse is not a lender. Matches are not offers or guarantees of credit; each lender makes its own decision and may run a hard inquiry when you apply.
Inside the app
Your Funding Score, your tier and your matches.
- Strong fitAmerican ExpressBlue Cash Everyday® CardCash back credit card
- Strong fitCapital OneQuicksilver Cash Back Rewards CardCash back credit card
- AlmostSoFiSoFi Personal LoanPersonal loan
Sample data · illustrative match, not an offer. Lenders make final decisions.
- Credit utilizationHigh impact
- Payment historyStrong
- Hard inquiriesMedium
- Age of creditMedium
Product screens use sample data for illustration. Sample data: an illustrative match, not an offer. Partner and card names are trademarks of their issuers, shown as examples from Storehouse’s Funding Offers partners. Fit signals are sample Storehouse criteria, not issuer requirements. Approval, rates and limits are set by each lender.
Details
Built to cut down on guesswork, and on unnecessary applications.
Fit before you apply
See which partners your profile matches today, so you don’t collect hard inquiries on applications that don’t fit.
Real card and loan partners
Credit cards and personal loans from partners like American Express, Capital One, Chase, Citi, SoFi and LightStream.
Tiers with a path up
Five funding tiers, with the specific change that unlocks the next one spelled out.
Connected to your disputes
When a bureau corrects an item, your Funding Score and matches recalculate.
Ask the Advisor
Ask which balance to pay first or whether to wait for a dispute to resolve before applying.
Read-only data
Bank links are read-only through Plaid. Storehouse never moves money.
Start with the number
Want a quick read first? Try the calculator.
The Funding Score calculator gives you a 0–100 lender-readiness estimate from six inputs, with an explanation of each factor. No account needed.
- Utilization38% on revolving cards
- Age of creditOldest account 9 yrs
- Inquiries2 in the last 12 months
- Derogatory marksNone in 24 months
- IncomeStated income, verified by lender
- Tradelines9 open accounts, mixed
Biggest lift: bring card utilization under 10%.
FAQ
Frequently asked questions.
Score Match compares your profile (your Funding Score, credit reports and the details you share, like income) with the published criteria of 65 lending and card partners, and shows which ones look like a fit today and which are close.
No. A match means your profile looks like it fits a partner’s criteria. It is not an offer, pre-approval or guarantee of credit. The lender makes the final decision after you apply.
No. Viewing your matches in Storehouse uses your soft-inquiry data and doesn’t affect your score. If you choose to apply with a partner, that lender may run a hard inquiry.
Score Match includes 65 card and loan partners, such as American Express, Capital One, Chase, Citi, Discover, Wells Fargo, SoFi, LightStream and Upgrade. The partner list can change. Rates, limits and approval are set by each lender, not by Storehouse.
Your Funding Score and matches recalculate as your file changes, for example when a bureau responds to a dispute or a new balance is reported.
Funding Center access is part of Plus (30 days free, then $59.99/mo; card required, cancel before day 30 to pay $0) and Elite.
Related
Keep exploring
Funding Score
How the 0–100 readiness score works.
Funding Score Calculator
An instant estimate, no account needed.
Business funding guide
The factors lenders look at.
Build business credit
Separate your business and personal profiles.
See which partners fit your profile today.
Create an account, get your Funding Score and see your matches.
Plus: 30 days free, then $59.99/mo. Today’s total is $0.00. Card required up front. You’ll be charged $59.99/mo when the 30-day trial ends unless you cancel before then. Cancel anytime. New members only. Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score.