TURN YOUR CREDIT PROFILE INTO
APPROVAL POWER

TURN YOUR CREDIT PROFILE INTO
APPROVAL POWER

TURN YOUR CREDIT PROFILE INTO
APPROVAL POWER

Generic credit tips won’t get you funded.
Take the Borrower Type Quiz to see which path fits your goals.

Generic credit tips won’t get you funded.
Take the Borrower Type Quiz to see which path fits your goals.

Generic credit tips won’t get you funded.
Take the Borrower Type Quiz to see which path fits your goals.

Start the Quiz — It’s Free

HOW WE HELP

In 2023, 42% of small business applicants were denied for an SBA loan or line of credit…

In 2023, 42% of small business applicants were denied for an SBA loan or line of credit…

In 2023, 42% of small business applicants were denied for an SBA loan or line of credit…

According to a 2024 Fed Small Business Report on Employer Firms. Further, only 34% received approval for the full amount requested.

According to a 2024 Fed Small Business Report on Employer Firms. Further, only 34% received approval for the full amount requested.

According to a 2024 Fed Small Business Report on Employer Firms. Further, only 34% received approval for the full amount requested.

Do you know what kind of credit profile you actually have?

Do you know what kind of
credit profile you actually have?

Get matched to your borrower type and stop wasting time on the wrong strategy.

Get matched to your borrower type and stop wasting time on the wrong strategy.

Get matched to your borrower type and stop wasting time on the wrong strategy.

Take the Quiz

Transparent criteria

Transparent criteria

Personal roadmap

Personal roadmap

Faster approvals

Faster approvals

Lower interest

Lower interest

No guesswork

No guesswork

No guesswork

Expert coaching

Expert coaching

Expert coaching

Live support

Live support

Live support

Real outcomes

Real outcomes

Assess.

Assess.

Get your current borrower profile analyzed and see your strengths and blind spots.

Get your current borrower profile analyzed and see your strengths and blind spots.

Optimize.

Optimize.

Follow your step-by-step roadmap to make your business irresistible to lenders.

Secure.

Secure.

Unlock the credit and capital you need to grow, with expert help at every step.

Unlock the credit and capital you need to grow, with expert help at every step.

From Denial to Full Funding


From Denial to Full Funding

Real client stories

Real client story

Derek has been one of my most trusted sources for financial information for the better part of a decade now. I know that regardless of whatever my current financial situation and struggles might be, I can talk to him about them without fear of judgement or harsh criticism.


One quality I've found to be crucial in a financial advisor is their ability to be brutally honest without losing any feelings of empathy. You don't want a 'yes man' when it comes to managing your finances, but you don't want a drill sergeant either. In my experience working with him, Derek walks that line perfectly.


I've also yet to meet somebody with more passion and commitment to helping the everyday individual turn their financial world around. Working with him, you can finally start to feel like achieving your financial goals is actually within your realm of possibility. You get a sense of control over your finances that makes it feel like you can catch your breath. It's nice to feel hope for your financial future for a change. That's what working with Derek Gardner and Skuld House LLC gives you


5 stars

DJ MCK

Business Owner

Download the Funding Blueprint

Download the
Funding Blueprint

See the exact checklist lenders use.

See the exact checklist
lenders use.

Get the free guide plus a short email series that shows you how lenders really assess credit profiles. And what actually gets borrowers approved.

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Choose the Plan That Fits Your Growth Goals

Choose the Plan That Fits Your Growth Goals

For continued full access, consider our Fundability Coaching.

For continued full access, consider our Fundability Coaching.

Borrower Type Checklist

$9

Optimal profile checklist by
borrower type

Easy PDF download

Not customized to your
specific profile

COMING SOON!

Strategy Call

$97

One time strategy session

Credit worthiness overview

Single loan preparation

Book Strategy Call

Fundability Coaching

$197/mo

1:1 expert guidance

Custom roadmap

Fast-action bonus: Business Credit Blueprint

Reserve Now

Frequently Asked Questions:

What makes Skuld House different?

We don’t just chase scores. We teach you how to build full credit profiles that lenders actually approve. Additionally, we do not provide lending. So, there is no conflict of interest and our strategies work regardless of who you bank with.

Can I use this for personal credit too?

Yes. Strong personal credit opens doors to business funding. So, we help optimize both. We’ll show you how to bridge the two.

Do I need good credit to get started?

You don’t need perfect credit, but the Fundability Coaching subscription is designed for borrowers with average to great scores who want better rates, higher limits, or access to business funding. If you're rebuilding from major damage, a one-time strategy session may be a better fit.

What makes Skuld House different?

We don’t just chase scores. We teach you how to build full credit profiles that lenders actually approve. Additionally, we do not provide lending. So, there is no conflict of interest and our strategies work regardless of who you bank with.

Can I use this for personal credit too?

Yes. Strong personal credit opens doors to business funding. So, we help optimize both. We’ll show you how to bridge the two.

Do I need good credit to get started?

You don’t need perfect credit, but the Fundability Coaching subscription is designed for borrowers with average to great scores who want better rates, higher limits, or access to business funding. If you're rebuilding from major damage, a one-time strategy session may be a better fit.

What makes Skuld House different?

We don’t just chase scores. We teach you how to build full credit profiles that lenders actually approve. Additionally, we do not provide lending. So, there is no conflict of interest and our strategies work regardless of who you bank with.

Can I use this for personal credit too?

Yes. Strong personal credit opens doors to business funding. So, we help optimize both. We’ll show you how to bridge the two.

Do I need good credit to get started?

You don’t need perfect credit, but the Fundability Coaching subscription is designed for borrowers with average to great scores who want better rates, higher limits, or access to business funding. If you're rebuilding from major damage, a one-time strategy session may be a better fit.

Will working with you affect my credit score?

Any updates to your profile may impact your score, even temporarily. We help you plan around these shifts so you’re application-ready when it counts.

Do you offer refunds for coaching?

Because funding outcomes depend on individual implementation, all coaching sales are final. We’re happy to clarify anything before you sign up.

How long does it take to get funding-ready?

Timelines vary based on your current credit profile and funding goals. Some clients are ready in weeks, others in a few months. We'll give you a roadmap.

Will working with you affect my credit score?

Any updates to your profile may impact your score, even temporarily. We help you plan around these shifts so you’re application-ready when it counts.

Do you offer refunds for coaching?

Because funding outcomes depend on individual implementation, all coaching sales are final. We’re happy to clarify anything before you sign up.

How long does it take to get funding-ready?

Timelines vary based on your current credit profile and funding goals. Some clients are ready in weeks, others in a few months. We'll give you a roadmap.

Will working with you affect my credit score?

Any updates to your profile may impact your score, even temporarily. We help you plan around these shifts so you’re application-ready when it counts.

Do you offer refunds for coaching?

Because funding outcomes depend on individual implementation, all coaching sales are final. We’re happy to clarify anything before you sign up.

How long does it take to get funding-ready?

Timelines vary based on your current credit profile and funding goals. Some clients are ready in weeks, others in a few months. We'll give you a roadmap.

Book Your Strategy Call

Ready to Secure Better Funding?

Ready to Secure Better Funding?

Book your strategy call and start your journey.

Book your strategy call and start your journey.

Book your strategy call and start your journey.

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Learn

Blueprint

FAQ

Legal

Terms

Privacy

Disclaimer

Learn

Blueprint

FAQ

Legal

Terms

Privacy

Disclaimer