Total Clients
0
Active pipeline
Reports on File
0
620+ qualifying
Funded ✓
0
This month
In Progress
0
Active clients
Follow-Ups Due
0
Today
Monitoring MRR
$0
Recurring
Quick Actions
Recent Activity
Client Intake & Instant Decision
Full profile → funding range + card stack recommendation
Client Type:
Personal Information
Sensitive IDs — Session Only (Never Transmitted)
Security: SSN, EIN, DUNS stored only in your browser session. Clear browser data after each session or use incognito. Never transmit this file unencrypted. Comply with applicable data protection laws.
Required for personal card applications
ITINs begin with 9 — leave blank if client has SSN
Required for business card applications
Dun & Bradstreet identifier
Credit Profile
TransUnion
Equifax
Experian
Lowest score used for decisions:
665
💡 Enter all 3 scores — the lowest is used for card/loan matching. Lenders pull the middle score on mortgage apps.
Business Information
🔵 NAV.com — Business Credit Profile
Monitors D&B, Experian, Equifax & FICO SBSS business scores in one place
Build plan adds 1 tradeline/mo — Expand adds coaching + FICO SBSS
Same email used to create their NAV account
Business Credit Scores from NAV
D&B Paydex
80+ = Excellent
Experian Biz
76–100 = Low Risk
Equifax Biz
280–300 = Excellent
FICO SBSS
160+ = SBA eligible
Last checked:
🔗 Open NAV Dashboard →
Housing & Financial Profile
Document Upload — Client Files
Privacy: Documents stored locally in your browser only — never transmitted. Use incognito or clear browser data after each session. Do not store on shared devices.
🪪 Driver's License
Front & back
🔒 Social Security Card
Photo or scan
🏦 Voided Check
For ACH / bank verification
📄 Tax Returns (1–2 yrs)
1040 or business returns
🏛 Bank Statements (3 mo)
Personal and/or business
💰 Pay Stubs / Proof of Income
Last 2 pay stubs or 1099
🏢 EIN Confirmation Letter
IRS CP 575 or 147C letter
📋 Articles of Organization
LLC formation / state filing
📎 Other Documents
Lease, mortgage, ITIN letter, etc.
Intake Notes
—
—
Personal Card Range
—
Personal credit — 0% APR intro
Business Card Range
—
Business credit — no personal reporting
All Cards
Personal
Business
Secured / EIN-Only
Recommended Cards — Apply In Order
Application Sequence
Decision Notes
—
Client Notes Log
Client Pipeline
Click any row to view details
Client
Scores (TU/EQ/EX)
Biz Range
Fee
Status
Date
Actions
🚀 Funding Hub
Guided strategy + quick access to all funding tools — start here for every client
Step 1 — Select Client Type to See the Right Strategy
Quick Launch — All Funding Tools
Jump directly to any tool
Score → Funding Quick Reference
What's available at each credit tier
📚 Resources
Training, scripts, FAQs & compliance — everything your team needs
🇺🇸 English
🇪🇸 Español
❓ Frequently Asked Questions
Common questions from clients and staff
🎥 Training & Education Videos
Add your YouTube or Loom links here for team training
📞 Client Scripts
What to say for each service — word for word
⚖️ Legal & Compliance Quick Reference
What you CAN and CANNOT say — know this cold
✅ You CAN Say
🚫 You CANNOT Say
🏢 Business Credit Review Checklist
Review NAV profile + D&B PAYDEX + all bureaus before submitting any business for funding
💡
Use Your NAV Affiliate Link — This Generates Revenue
Always send clients to NAV through your partner link: nav.nkwcmr.net/c/7057968 — every signup earns you a referral commission. Never send them directly to nav.com.
✅ Business Verification Reminders
Staff must verify all of these before submitting any client for business funding
⚠️
Do NOT submit a client for business funding until every item below is confirmed. Incomplete business info is the #1 reason for declines. Check everything first.
🏛 Secretary of State Verification
📍 Business Address Verification
💡 Google the address. UPS Store or mailbox service = flag it. Regus/WeWork virtual office is usually acceptable. Home address — check with lender first.
📧 Business Email Verification
⚠ No business email? Set one up before applying. Google Workspace from $6/mo, GoDaddy from $2/mo. Many lenders flag personal emails as a negative signal.
📞 Business Phone & EIN Verification
💡 Business phone tips: Google Voice ($10/mo), Grasshopper, or RingCentral. Some lenders run the number through 411 — make sure it's listed or at minimum working with a business voicemail.
✅
All 4 sections checked? You're ready to submit.
SOS active · Address verified · Business email working · Phone working · EIN confirmed → Go submit.
📞 Need Help? Escalation Contacts
Personal Loan Funding Sources
Proven lenders — stack ON TOP of credit cards for maximum total capital per client
🏦 Bureau Spread Strategy — Instructor PDF Verified
① TransUnion Pulls
• BCU ⭐ (same-day loan)
• Alliant ⭐ (Visa Signature)
• SchoolsFirst (Rewards MC)
• Navy Federal (loan + card)
• Alliant ⭐ (Visa Signature)
• SchoolsFirst (Rewards MC)
• Navy Federal (loan + card)
Apply these first
② Equifax Pulls
• DCU ⭐ ($35K in 24hrs)
• Dept of Interior (pledge loan)
• Christian Community
• Dept of Interior (pledge loan)
• Christian Community
Apply after TU stack
③ Experian Pulls
• Andrews FCU (secured, no check)
• NASA FCU ⭐ (soft pull tool)
• PenFed ⭐ ($50K loan + card)
• KeyPoint ⭐ (soft pull tool)
• NASA FCU ⭐ (soft pull tool)
• PenFed ⭐ ($50K loan + card)
• KeyPoint ⭐ (soft pull tool)
Apply after EQ stack
The play: Each bureau only sees 1–3 inquiries total instead of 6–8 on one bureau. Every CU thinks your client's profile is clean. Source: Instructor document — "10 Credit Unions That Approve After a Credit Profile Optimization."
Recommended sequence: BCU → Alliant → DCU → NASA/PenFed → KeyPoint (soft pull first) → LightStream → SoFi
Recommended sequence: BCU → Alliant → DCU → NASA/PenFed → KeyPoint (soft pull first) → LightStream → SoFi
Filter by min score:
⭐ Top Pick
Soft Pull
Hard Pull
Business Loan Funding Sources
Tiered by speed & requirements — from same-day revenue-based to SBA $5M
🏢 Business Loan Tiers — Use the Right Tool for Each Client
Tier 1 — Revenue Based
No collateral, no time-in-business. Based on bank deposits. 500+ score. Same day.
Tier 2 — Line of Credit
Revolving credit. 625+ score. 1yr in biz. $100K+ revenue. Fast approvals.
Tier 3 — Term Loans
Lump sum for growth. 650+ score. 2yr+ history. 24–72hr decisions.
Tier 4 — SBA Loans
Lowest rates. Up to $5M. 680+ score. 30–90 day process.
Stack strategy: Use Tier 1 first for quick cash while Tier 2–3 applications process. SBA is the long game — start that application early for clients who qualify (680+, 2+ years in business, $100K+ revenue). Business loans do NOT affect personal credit score when structured through EIN properly.
Filter:
Business Credit Builder
102 accounts across 4 levels — Source: AssetProfile.com (apply 5 per level, 45 days apart)
📈 4-Level Business Credit Building System
Level 1 — Start Here
21 accounts. Net-30s, fleet cards, basic bank lines. Apply 5 accounts. Wait 45 days for reporting before Level 2.
13 require NO personal guarantee
Level 2 — 45 Days Later
35 accounts. Larger retailers, fuel fleets, regional banks. Apply 5 accounts. Wait 45 days.
18 require NO personal guarantee
Level 3 — 45 Days Later
26 accounts. National brands, fleet programs, office supply chains. Apply 5 accounts. Wait 45 days.
17 require NO personal guarantee
Level 4 — Final Level
20 accounts. Major banks, national retailers, vehicle financing, corporate cards. Apply 3+ accounts.
15 require NO personal guarantee
Key rule: Apply 5 accounts per level → wait 45 days for them to report to D&B → then move to next level. Business credit builds on itself — lenders in each level see the tradelines from the level before. No personal credit check on most accounts. Source: AssetProfile.com business credit building system.
Filter:
Card Approval Matrix
50+ personal & business cards — filter by type and score
All Cards
Personal
Business
Secured / EIN-Only
Min score:
PersonalBusinessSecuredSoft Pull
Credit Report Upload
620+ scores flagged as qualifying for stacking
Privacy: Reports processed locally — no data sent to any server. Session memory only. Do not leave on shared computers.
Upload Reports
📄
Drop reports here or click to browse
PDF · PNG · JPG · TXT · CSV
Equifax · Experian · TransUnion · D&B
Equifax · Experian · TransUnion · D&B
Link to Client
Uploaded Reports
No reports uploaded yet
Qualifying Clients (620+ Score)
Fee Calculator
Per-client fees, projections, and Torro savings
Per-Client Fee Builder
Flat Fee$0
Success Fee$0
Gross Revenue$0
Referral Out-$0
Platform Costs-$0
Net Revenue$0
Torro Savings Calculator
Torro Would Take (10%)$0
You Keep Extra$0
90-Day Revenue Projector
Clients (90 Days)270
Gross Revenue$404,190
Ad Spend Total-$0
Projected Net$404,190
Progress to $1M Goal
40% of $1M
Paths to $1M in 90 Days
Option A — High Volume
2,000 clients × $500
Option B — Mid Volume
668 clients × $1,497 ✓
Option C — Low Volume
334 clients × $2,997
Daily Clients Needed (B)
~7–8 clients/day
Daily Revenue Needed
$11,111/day
Import Client Data
CSV import or manual entry — includes SSN, EIN, DUNS, score
Security: All sensitive data stored in browser session only. Exported CSVs exclude SSN/EIN for safety. Store sensitive files encrypted.
Import from CSV
📊
Drop CSV here or click to browse
Required columns: First, Last, Email, Phone, Score, SSN, EIN, DUNS, Income, Entity
CSV Format
First,Last,Email,Phone,Score,SSN,EIN,DUNS,Income,Entity
Marcus,Thompson,mt@me.com,5550001,710,XXX-XX,XX-XXX,,75000,LLC
Marcus,Thompson,mt@me.com,5550001,710,XXX-XX,XX-XXX,,75000,LLC
Manual Entry
Import Queue
Name
Email
Score
SSN
EIN
DUNS
Entity
Agreement Builder
Consulting agreement + standalone success fee agreement
📋 Consulting Agreement
💰 Success Fee Agreement
Agreement Details
Edit packages in Settings → Service Packages
Auto-fills from package — edit to override
Live Preview
Fill in fields and click Generate.
StackPro Analytics
Live financial tracking — all data calculated from your pipeline in real time
Total Funding Placed
—
Across all funded clients
Total Fees Earned 🔒
—
Consulting + success fees
Avg Fee Per Client 🔒
—
Funded clients only
Approval Rate
0%
Funded ÷ Submitted
Submitted
0
Applications sent
Approved ✓
0
Funded clients
Pending
0
Awaiting decision
Declined
0
Need re-evaluation
Pipeline Breakdown
Score Distribution
Monthly Fee Goal 🔒
Collected this month
— / —
Set monthly goal in Settings
Service Mix
Pipeline de Clientes ITIN / ITIN Client Pipeline
Solo clientes ITIN — vista dedicada para asesores / ITIN-only pipeline view
⚡ Credit Enhancement Services
Client files, monitoring logins, documents, agreements, invoices & service reference
👥 CE Clients
📋 Service Reference
⚡ Assessment Tool
🔗 Tradeline Services
Client files, AU & primary tradeline tracking, sales, agreements & invoices
👥 TL Clients
💰 Pricing & Sales
📋 Reference
🏛 Shelf Corporations
Client files, inventory, agreements, invoices & sourcing reference
👥 SC Clients
📦 Inventory
📋 Reference
🌎 Portal de Clientes ITIN / ITIN Client Portal
Intake, decisión instantánea, tarjetas ITIN y estrategia — todo en un solo lugar
📋
VA Guide — ITIN Client Portal
Español: Este es tu espacio de trabajo. Usa el formulario de admisión abajo para cada cliente Latino. Completa todos los campos y haz clic en "Ejecutar Decisión" para ver las tarjetas recomendadas. Agrega al cliente al Pipeline cuando esté listo.
English: This tab is your dedicated workspace for Latino/ITIN clients. Complete the intake form, run the decision, review ITIN-accepted cards, then add to Pipeline. All client data saves automatically.
English: This tab is your dedicated workspace for Latino/ITIN clients. Complete the intake form, run the decision, review ITIN-accepted cards, then add to Pipeline. All client data saves automatically.
💡 Why the Latino Market is Your Biggest Opportunity
Latino adults in US
62+ million
ITIN filers annually
~5 million
Underserved by credit
73% lack access
Latino-owned businesses
4.6 million
Avg fee per ITIN client
$997–$1,497
Competition in market
Very Low
ITIN Client — Instant Decision
Client Identification
ITINs begin with 9 — issued by IRS Form W-7
Credit Profile
0 (Sin historial)300500620700+
Vivienda y Perfil Financiero / Housing & Financial Profile
ITIN-Accepted Card Database
Cards that explicitly accept ITIN in place of SSN — 2026 verified
Marketing Scripts
Ready-to-use Spanish outreach for social media & DMs
📱 Facebook / WhatsApp Script (Spanish)
¿Tienes ITIN y quieres construir crédito en USA? 🇺🇸
Ayudamos a latinos a obtener tarjetas de crédito y financiamiento para negocios — con ITIN, sin SSN.
✅ Tarjetas personales y de negocio
✅ Sin necesidad de SSN
✅ Servicios en español
✅ Resultados reales
Escríbenos hoy para una consulta GRATIS 📲
Ayudamos a latinos a obtener tarjetas de crédito y financiamiento para negocios — con ITIN, sin SSN.
✅ Tarjetas personales y de negocio
✅ Sin necesidad de SSN
✅ Servicios en español
✅ Resultados reales
Escríbenos hoy para una consulta GRATIS 📲
🎬 TikTok / Reel Hook (Spanish)
Hook: "¿Solo tienes ITIN? Esto es lo que los bancos NO te dicen..." 🤫
Body: Con tu ITIN puedes aplicar para tarjetas de crédito en Capital One, Bank of America, Wells Fargo y más. Y para tu negocio, ni siquiera necesitas crédito personal.
CTA: "Sigue la cuenta para aprender cómo construir crédito con ITIN. El link en bio para una consulta gratis."
Hashtags: #ITINcredito #creditoparalatinos #creditoUSA #finanzaslatinas #construircredito
Body: Con tu ITIN puedes aplicar para tarjetas de crédito en Capital One, Bank of America, Wells Fargo y más. Y para tu negocio, ni siquiera necesitas crédito personal.
CTA: "Sigue la cuenta para aprender cómo construir crédito con ITIN. El link en bio para una consulta gratis."
Hashtags: #ITINcredito #creditoparalatinos #creditoUSA #finanzaslatinas #construircredito
🔐 Admin Panel
Staff management, roles, permissions & system activity log — Owner only
👥 Staff Management
📋 Activity Log
⚙ System Status
🔒 Owner Only — Full access to this panel is restricted
Staff members can only see their own profile. Only Owner can add, edit, or remove staff accounts.
Add New Staff Member
Role Permissions
Advisor
View clients, add notes, run decisions, use ITIN portal, access funding tools & resources. Cannot see SSN, fees, or settings.
Admin
Everything Advisor can do + view SSN/EIN, send invoices, generate agreements, manage monitoring logins. Cannot access Settings or fee data.
Owner
Full access — all data, settings, fee calculator, Authorize.net credentials, staff management, activity log, and all financial data.
Admin Settings
Brand Settings
📦 Service Packages & Pricing 🔒 Owner Only
Edit your packages and prices here — they update everywhere instantly (Agreement Builder, Invoice tab, Fee Calculator).
Add Package
💡 Changes reflect instantly in Agreement Builder and Invoice tab.
💳 Authorize.net Payment Integration 🔒 Owner Only
Connect Authorize.net to send payment links directly from each client's Invoice tab.
Account → Settings → API Credentials & Keys
Generate from API Credentials page
Your Authorize.net hosted payment page — staff sends this link to clients
⚡ Setup
1. Log into account.authorize.net
2. Go to Account → Settings → API Credentials & Keys
3. Copy your API Login ID and generate a Transaction Key
4. Optionally create a Hosted Payment Page under Account → Settings → Payment Form
2. Go to Account → Settings → API Credentials & Keys
3. Copy your API Login ID and generate a Transaction Key
4. Optionally create a Hosted Payment Page under Account → Settings → Payment Form
📅 Calendly Booking Link
Your scheduling link — appears in client files and dashboard for easy booking.
🔄 Pipedrive CRM
Export clients to Pipedrive or open a client directly. Full API integration coming — for now use the export and deep link.
Just the subdomain — not the full URL
☁️ Cloud Sync — Team Data 🔒 Owner Only
Connect to JSONBin.io (free) so all staff share the same client data in real time. Takes 2 minutes to set up.
⚡ Setup Instructions (one-time, 2 min)
1. Go to jsonbin.io → Sign up free
2. Click Create Bin → paste in
3. Copy your Bin ID (looks like 6641a2...)
4. Go to Account → API Keys → copy your API Key
5. Paste both below and click Save Sync Settings
2. Click Create Bin → paste in
{} → Save3. Copy your Bin ID (looks like 6641a2...)
4. Go to Account → API Keys → copy your API Key
5. Paste both below and click Save Sync Settings
From jsonbin.io → Account → API Keys. Never share this.
From your Bin URL: jsonbin.io/b/YOUR-BIN-ID
How it works: Every time you add/update a client or note, StackPro automatically syncs to the cloud. Any staff member who opens the tool gets the latest data within seconds. Free plan handles up to 10,000 syncs/month — more than enough for your team.
🔐 Staff Access & PINs 🔒 Owner Only
Each staff member logs in with their name + a PIN. The owner PIN can manage all staff. PINs are stored locally in this browser only.
Add Staff Member
⚠️ First-time setup
If no staff PINs are set up yet, any PIN will work. Add at least one Owner account first to lock down access.
Platform Info
Platform
StackPro™ v3.0
Revenue Share
0% — Keep 100%
Monthly Fee
$0
Card Database
50+ Personal & Business
Min Qualifying Score
620+
Sensitive Data Storage
Session-only (no server)
Logged In As
—
🚀 Go Live — Deploy for Your Team
Get StackPro on a real URL so your staff can access it from any device.
⚡ Option 1 — Fastest (5 min, free)
1. Go to tiiny.host
2. Drag and drop stackpro_v3.html
3. Get a live URL like
4. Share with staff — they open it in any browser
2. Drag and drop stackpro_v3.html
3. Get a live URL like
stackpro.tiiny.site4. Share with staff — they open it in any browser
⭐ Option 2 — Recommended (own domain + password, ~10 min)
1. Sign up free at netlify.com
2. Drag stackpro_v3.html into deploy box → live instantly
3. Go to Site Settings → Access Control → Password Protection
4. Set one master password (protects client SSN data)
5. Buy domain at namecheap.com once state approves your name (~$12/yr)
6. Connect domain in Netlify → your own URL
2. Drag stackpro_v3.html into deploy box → live instantly
3. Go to Site Settings → Access Control → Password Protection
4. Set one master password (protects client SSN data)
5. Buy domain at namecheap.com once state approves your name (~$12/yr)
6. Connect domain in Netlify → your own URL
📋 Files to deploy
• stackpro_v3.html — Main staff tool (this file)
• stackpro_intake.html — Public client intake form (share link with prospects)
• stackpro_ai_reader.html — AI credit report reader
• stackpro_credit_report.html — Client offer document
• stackpro_intake.html — Public client intake form (share link with prospects)
• stackpro_ai_reader.html — AI credit report reader
• stackpro_credit_report.html — Client offer document
⚠️ Important before going live
Set up Cloud Sync (above) so all staff share the same data. Without it, each computer has separate client records. Also set staff PINs so the app is locked when not in use.
Georgia Setup Reminder
Register StackPro LLC at sos.ga.gov — $100 filing fee, 1–2 business days. Then file federal trademark at USPTO.gov for Class 36 (financial services).