The tools we built to actually move your file.
These are our proprietary products — the assessments, dashboards, AI systems, and calculators built by our team. Separate from our high-touch programs & pricing and our un-affiliated marketplace.
Funding Readiness Dashboard
Know exactly what funding you qualify for — before you apply.
A 3-minute assessment that scores your business file against real lender underwriting criteria. See your readiness percentage, matched loan products, and the exact action items to move from 'maybe' to 'yes'.
- ▸10-factor lender-grade assessment
- ▸Personalized product matches with confidence scores
- ▸30/60/90-day action items
- ▸Retake anytime as your file evolves
90-Day AI Growth Plan
A personalized playbook written for you by AI — not a template.
Claude Sonnet 4.5 combines your Funding Readiness result with your self-reported credit scores to produce a personalized 90-day playbook with Quick Wins, 30/60/90-day milestones, funding strategy, and a weekly ritual.
- ▸Written specifically to your profile
- ▸Emailable branded copy
- ▸Regeneratable as your numbers change
- ▸Compliance-safe language throughout
Business Credit Scores Dashboard
See your bureau scores climb month over month.
Log your D&B PAYDEX, Experian Intelliscore, Equifax Business, and FICO SBSS. Track the trend line with visual charts and get automated milestone emails when you cross thresholds that unlock new funding tiers.
- ▸4 bureau categories tracked
- ▸Recharts progress visualizations
- ▸Automated milestone email triggers
- ▸Historical trend log
Document Vault
Every loan-app document you'll ever need, in one encrypted place.
Upload EIN letters, formation docs, bank statements, tax returns, financials and voided checks. Files are TLS-encrypted and only accessible via your paid subscription email. Grab them any time you need to prep a lender package.
- ▸10 document categories
- ▸25 MB per file, all common formats
- ▸TLS 1.2+ in transit, encrypted at rest
- ▸Delete or export anytime
Financial Calculators Suite
The exact math bankers use to underwrite you.
Five real calculators used by CFOs and lenders: Loan Amortization, DSCR, Business Valuation, Cash Runway, and true-APR Comparison. Instant results, no data stored, works on any device.
- ▸Loan Amortization + total interest
- ▸DSCR with lender-tier labels
- ▸Business Valuation by industry
- ▸Cash Runway with status alerts
- ▸APR compare with fee math
Business Bank Directory
8 business-friendly banks vetted for real small-business use cases.
Chase Business, Bank of America, Wells Fargo, Novo, Bluevine, Mercury, Relay, Live Oak — each with strengths, watch-outs, ideal-fit profile, and a direct visit link. We take zero referral fees.
- ▸8 curated banks with side-by-side profiles
- ▸Traditional / Digital / SBA-specialist tiers
- ▸Strengths + watch-outs for each
- ▸No affiliate fees, no partnerships
Products alone won't get you funded. People will.
Our technology is designed to work alongside our high-touch programs. Combine the two for the fastest path from where you are to actually funded.
Smarter Choice Investment Holdings LLC is a financial technology company, not a bank or lender. Millionaire Mindsetters Foundation is a 501(c)(3) nonprofit organization. Our products are educational tools and do not guarantee approvals, funding amounts, interest rates, credit score changes, or financial outcomes.