Clean credit isn't the same as fundable credit.
Credit repair fixes what's wrong on your credit report. It doesn't build what's missing. Perno's AI funding coach tells you what to fix, what to leave alone, what to build next, and when you're ready to apply. $97/month, cancel anytime.
Join Perno, $97/monthThis is what you get when you log in.
Real screens from the Perno member area.
Decent credit, and the bank still said no?
The reason they gave you probably wasn't the real reason.
Fixes what's wrong
Cleans up what's wrong on your credit report. Important, but it doesn't build what's missing.
Has the right shape
Banks fund a profile with the right shape, not just a clean one.
Here's what usually happens: people spend months cleaning up, apply, and get denied again. So they apply faster, and more desperate. Every denial makes the next one harder.
That's running the wrong sequence. Perno shows you the right one: what to fix, what to build, and when to apply.
Most people find out they're not ready for funding the hard way.
A denial with no explanation.
Denials come with no roadmap
You get a "no," but not what to fix or what to do next.
Reports carry errors
1 in 5, per the FTC.
No one tells you where to start
Nobody tells you which bank to try first, or in what order.
Perno flips that. Upload your credit report and the AI reads every account, balance, inquiry and negative item. It flags what may be inaccurate, shows what's actually holding your profile back, and builds your plan: what to clean up first, how to set up your business so lenders take it seriously, and which banks fit your profile, in the order that makes sense.
Then you don't do it alone. Lisa, your AI coach, has your file open on every page. Every week there's a live Q&A call, and the community is full of business owners working the same plan.
Not the work. The direction.
You're staring at an application, second-guessing every field.
Instead of guessing, you ask, and you get the answer right then.
Not the work. The direction.
Three steps. One clear plan.
Upload your report
Add a recent credit report file (PDF or HTML) from any bureau or monitoring service.
Get your plan
What to clean up, which banks fit your profile, and what order to apply in.
Work it, with help
Lisa, your AI coach, weekly live Q&A calls, and the private community.
The day you join, Perno reads where you stand and gives you your first moves.
Everything you need to get fundable-ready.
AI credit analysis
All 3 bureaus read, with a 9-point Metro 2 audit on every negative item.
Your Action Plan
Prioritized next moves with reminders, so nothing stalls.
DIY dispute letters
Drafted for you; you review, approve and send (print yourself or use optional mail service).
Business credit builder
Fundability meter plus a 12-step foundation checklist (entity, EIN, phone, 411 listing, vendor credit).
Lender matching
A directory of 190+ lenders matched by score, revenue, time in business and state, with bank-by-bank data points (which bureau they pull, what docs they want).
Lisa, your AI funding coach
Reads where you actually stand, tells you what's blocking you, what to fix and what to leave alone, and when you're ready to apply, where to go and in what order.
Travel hacking guideBONUS
A guide to getting the most out of your points.
Weekly live Q&A calls and the private community
Every week there's a live Q&A call, and the community is full of business owners working the same plan.
Always know your next move.
The AI funding coach, credit repair and the travel hacking guide. $97/month, cancel anytime.
The 4-phase path
From messy credit to applying prepared, one phase at a time.
Clean Up
Optimize
Prep
Funding
Built by two funding companies that chose to partner instead of compete
Member stories
Used Perno to get approved for a $25K Citi card and a $30K Chase card.
Used Perno to land a $50K line of credit.
Used Perno's travel hacking to save $12,000 on a flight to Europe.
Individual results. Results vary and are not typical. Perno does not promise approvals or amounts.
Here's everything you get.
No outcome is promised or implied. We're promising you'll always know your next move. The work is yours.
Clients pay our funding team $10,000+ to do this for them. Perno gives you the same playbook to do it yourself.
- Credit report review and dispute planvalue $497
- Dispute letter templatesvalue $497
- Credit score building planvalue $497
- AI funding coach, 24/7value $2,997
- Fundability checklist: business setup, address, phone, websitevalue $997
- Business credit roadmap: vendor accounts to bank creditvalue $1,497
- Personal funding prep: what lenders look for before you applyvalue $997
- Application readiness guidevalue $997
- Travel hacking playbookvalue $997
- Private communityvalue $497
- Weekly live value callsvalue $1,497
Your price: $97/month. Cancel anytime.
Full refund of your first payment if you ask within 7 days.
Join Perno, $97/monthLetter mailing billed per letter, or mail yourself free.
Cancel anytime.
When you're ready, you don't have to apply alone.
Once your plan says you're ready to apply, you can choose to have a funding team handle the applications with you.
Questions, answered
No. Perno is self-help software. It finds potential inaccuracies and drafts letters; you review, approve and send each one. Disputing directly with the bureaus is always free.
Know exactly what to do next, every day, until you're ready to apply.
It won't fund your business for you. It tells you where you stand and what to do next, in order, until you're ready to apply.
No outcome is promised or implied. We're promising you'll always know your next move. The work is yours.
Join Perno, $97/month