StoicCredit analyzes your actual credit reports with AI and generates a step-by-step plan to raise your score and access $50K–$250K in business funding. Upload PDFs from Experian, TransUnion, or Equifax, and get instant guidance on which cards to apply for, when to request limit increases, and how to manage utilization.

Track personal and business cards in one place, see bureau pull intelligence, and follow goals through clear phases. Coaches can manage clients with mentor tools and AI Copilot support.