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March 20, 2025 65 mins

The 5-Step FICO Funding System for Real Estate Investors


Hey Note Closers! Scott Carson here with an extraordinary episode featuring Merrill Chandler from GetFundable.com. Merrill shares insider secrets to unlocking funding approvals, gleaned from his unique access to FICO’s top executives. This isn’t just theory; it’s a proven system for achieving high-value credit lines and maximizing your real estate investment potential.


The 5-Step System to Funding Success:

Merrill reveals a five-step process designed to help you overcome common roadblocks and obtain the funding you need, regardless of your credit history or business circumstances. Here’s a breakdown:

  1. Minimize Negative Credit Effects: Address any negative items on your credit report (late payments, collections, etc.) before proceeding.
  2. Align Borrower Behaviors: Optimize your behavior patterns to match lender guidelines. This goes beyond your credit score. It's about how you manage credit accounts and overall financial interactions.
  3. Optimize Business Data & Identity: Ensure your business information is consistent across all reporting systems. Accuracy and clarity are crucial for lender trust.
  4. Build Profitable Banking Partnerships: Establish relationships with influential bankers who can champion your applications and provide preferential treatment.
  5. Leverage Lender Balance & Deposit Formulas: Use effective strategies to demonstrate financial stability and strength to lenders.


Insider Access & Proven Results:

Merrill’s unique access to FICO executives provides unprecedented insight into how lenders make approval decisions. He’s helped his clients secure hundreds of millions in funding approvals and shares countless success stories demonstrating the power of this five-step system.


Learn the 5-Step System:

Want to transform your funding prospects? Schedule a free discovery call with Merrill today to discuss your individual needs and explore how his system can benefit you.


Schedule Your Call with Merrill Chandler HERE!


Watch the original VIDEO HERE!


Book a call with SCOTT HERE!


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