Unity Capital
💰 No upfront fees. Ever. We only get paid when you get funded. | Book your free strategy call →
Unity Capital
UNITY CAPITAL
Get Funded Credit Repair About Ricco FAQ
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Business Funding · No Upfront Fees

Your business deserves
real capital.
We make it happen.

We get business owners funded — no upfront fees, no gimmicks. If your credit is the obstacle, we fix that first. Then we get you the capital your business deserves.

  • Business lines of credit, working capital & more
  • We only get paid when you get funded — 10% of the amount
  • No more rejections because of a fixable credit score
  • No more paying 25%+ APR while others pay 0%
Get Funded — Free Call See How It Works
✓ 100% Free strategy call
✓ Zero upfront fees (it's the law)
✓ Money-back guarantee
Founder's Message Ricco Johnson, Founder Unity Capital
Most people aren't broke because they lack hustle. They're broke because nobody showed them how to access the capital that was always available to them.
Ricco Johnson · Founder, Unity Capital
$0
Upfront fees ever
10%
Only paid from funding received
3–6
Months avg. credit-to-funded
100%
Refund if we don't deliver
The Problem Nobody Talks About

Great businesses die every day.
Not from bad ideas — from no capital.

You've got the plan. You've got the drive. But every time you try to move — a loan, a line of credit, a shot at real growth — the bank sends you back with nothing. Not because your business isn't viable. Because your credit score is a number.

Meanwhile, people with weaker ideas and less hustle are getting funded. Not because they're smarter. Because they knew how to position themselves — or they had someone do it for them.

"I'm sorry, your credit doesn't qualify at this time." — The nine words that have killed more real businesses than any recession.

Here's the truth no one in this industry will say out loud: most of what's blocking your funding isn't permanent. It's paperwork. Errors. Dispute letters nobody filed. Items that federal law says the bureaus must remove — if someone asks.

0%
of credit reports have errors
Federal Trade Commission — errors dragging down scores illegally
$0
Upfront to work with us
Federal law (CROA) prohibits charging before work is done
0%
of funded amount — that's it
We get paid from the funding itself. If you don't get funded, we don't get paid.

The question isn't whether your credit can be fixed. The question is: are you going to keep watching your business idea collect dust, or are you going to get it fixed and funded?

What We Get You

Real funding for real businesses.

Once your credit profile is in the right position, we connect you with the capital your business needs. Here's what that looks like.

💳

Business Credit Cards

0% intro APR · Up to $50K+

Business credit cards at 0% intro APR — the same financing strategy larger companies use to float operations without paying interest. We get you the cards, not just the advice.

Best For Startups, operating expenses, inventory
🏦

Business Lines of Credit

$25K – $250K

Revolving credit you draw on when you need it and pay back on your terms. The most flexible capital structure for growing businesses — not a lump sum loan with fixed payments.

Best For Cash flow gaps, growth, opportunity capital
⚡

Working Capital

$10K – $500K

Fast-access funding to keep operations moving, cover payroll, take on a big contract, or seize an opportunity before it closes. Speed matters — we move fast.

Best For Established businesses, seasonal needs, scaling
The Path From Here To Funded

Three steps. No surprises.

No upfront fees. No long-term contracts. A clear, honest path from where you are today to where your business needs to be.

1

Free Strategy Call

30 minutes. Zero cost. We look at your credit situation, your business goals, and tell you straight — what's possible, what's blocking you, and what it'll take to get funded.

✓ You leave knowing exactly where you stand
2

We Fix What's Blocking You

If your credit needs work, we get to work — disputes filed across all 3 bureaus, errors removed, score built. You watch every step in your live portal. Timeline: 3–6 months.

✓ Credit positioned for funding approval
3

You Get Funded

We connect you with our funding partner network — lines of credit, 0% business cards, working capital. We help you apply, position your file, and close the capital you need.

✓ Capital in your business. We get paid then.
Why Credit Repair Matters

Bad credit isn't a life sentence. It's a solvable problem.

Most lenders won't touch you under a 680. Some funding programs want 700+. If you're below that, it's not that you can't get funded — it's that the door needs to be unlocked first.

That's where we come in. We audit your credit reports across all 3 bureaus, identify everything that's dragging your score down, and file the disputes that federal law requires bureaus to respond to. Legally. Permanently.

📋
Full 3-Bureau AuditWe pull every item on your report and flag what shouldn't be there — errors, unverifiable accounts, outdated negatives.
✉️
Unlimited Dispute LettersFiled across Experian, Equifax, and TransUnion until the file is clean. You see every letter in your portal.
📊
Score Tracking + Monthly ReportsNo black box. You know exactly where your score is and what's moving it every single month.
0%
of credit reports contain at least one error
— Federal Trade Commission Study
That's 4 out of 5 Americans walking around with a damaged credit score they didn't earn — and errors that federal law requires the bureaus to remove.
Everything You Get

The complete path from denied to funded.

Most companies sell you one piece. We build the entire path — credit to capital — and stand behind every step with a money-back guarantee.

⭐ Full-Service System

Everything Included When You Enroll With Unity Capital:

📞
Free Strategy Call 30 minutes, zero cost. We look at your credit, your goals, and tell you straight what's blocking your funding.
ALWAYS FREE
📋
Full 3-Bureau Credit Audit We pull your Experian, Equifax, and TransUnion reports and flag every error, outdated item, and dispute opportunity.
🎯
Custom Funding Action Plan A clear roadmap — what needs fixing, in what order, and what funding you'll qualify for once it's done.
✉️
Unlimited Dispute Letters We file disputes across all 3 bureaus until your file is clean. Federal law requires them to respond.
📊
Live Progress Portal Every letter we send, every bureau response, every score change — visible in your dashboard in real time.
👤
Personal Case Manager One person who knows your file. Direct access. No call centers, no runaround.
📈
Monthly Score Reports We track your progress every month and tell you exactly what moved and what's next.
💰
Funding Partner Connections When your credit is ready, we connect you directly — lines of credit, 0% cards, working capital.
THE GOAL
How we get paid: 10% of what we fund you — from the funding itself. No upfront fees. No monthly subscriptions. Federal law (CROA) prohibits charging before work is done. We only win when you win.
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🛡
Our Promise

We deliver — or you don't pay.

We're putting our money on the line every time we open our mouths. If we don't do the work we promised in 3–6 months, you get every dollar back.

01

Honest Call First

Free 30-min strategy call. We review your file and your goals — no fees, no commitment.

02

Written Agreement

We agree on exactly what work we'll do, the timeline, and the pricing. In writing. Upfront.

03

Full Transparency

Every dispute letter, every bureau response, every score change — logged in your portal. No black box.

04

We Deliver or Refund

If we don't complete the work we agreed to in 3–6 months, you get a 100% refund. No fine print.

Ricco Johnson, Founder Unity Capital
Ricco Johnson
Founder · St. Peters, MO
Why This Company Exists

I built this because funding changes everything.

Before Unity Capital, I built and ran multiple businesses. Every time I tried to grow, scale, or pivot, I hit the same wall: capital. Either I had access to money and the business moved — or I didn't, and a good idea died on the vine.

I watched the same thing happen to people around me. Talented people. Real businesses. Stuck because nobody showed them how to access the money that was already available to them.

The game isn't rigged against you. You just haven't been taught the rules. Once you know how capital actually works — who gets it, why, and how to position yourself — everything changes. That's what we do here.
Ricco Johnson · Unity Capital Founder

I built Unity Capital to be the thing I wish existed when I was starting out — a real partner who doesn't get paid until you win.

Talk to Ricco's Team — Free
How We're Different

Most credit repair companies are traps.
Here's how to tell — and why we're not.

The industry is full of companies that promise 100-point increases, charge $99/month forever, and disappear when nothing happens. We do the opposite — and we prove it in writing.

❌ Most Companies
✅ Unity Capital
Their Goal
✗ Fix your credit, collect monthly fees, then disappear
✓ Fix your credit, then get you funded. That's the whole point.
How They Get Paid
✗ $99–$300/month subscription — whether you get results or not
✓ 10% of funded amount, paid from the funding itself. Nothing until you win.
Upfront Fees
✗ Charge you before lifting a finger — often illegally under CROA
✓ Zero upfront. Federal law forbids it — and we'd never do it anyway.
Promises They Make
✗ "Guaranteed 100-point increase!" — an actual federal law violation
✓ Honest expectations based on your real file. No illegal guarantees.
Transparency
✗ Black box — you have no idea what letters went out or what happened
✓ Live portal. Every dispute letter, every bureau response, every change.
If They Don't Deliver
✗ "Sorry, no refunds" — or fine print that makes it impossible
✓ 100% refund if we don't deliver the work we agreed to. In writing.
🛡
Federally Compliant
Full compliance with CROA, FCRA, FDCPA, and TCPA. No shortcuts. No legal risk to you.
📍
Real People. Real Address.
St. Peters, Missouri. Not a call center. Not offshore. Ricco's team, accountable to you.
💰
We Win When You Win
10% of what we fund you — paid from the funding itself. If you don't get funded, we don't get paid. Full stop.
⏱ Every month you wait is another month without capital

Your business is ready.
Is your credit the only thing stopping you?

Book your free strategy call. 30 minutes. Zero cost. Zero pressure. We'll tell you exactly what's blocking your funding, what it'll take to fix it, and whether we're the right fit — honestly.

Book My Free Strategy Call
FREE
Strategy call, no cost
$0
Upfront fees, ever
10%
Only paid when funded
100%
Refund guarantee
FAQ

Questions before you book?

How does Unity Capital actually make money?
We charge 10% of the funding amount you receive — and that payment comes from the funding itself. You never pay out of pocket upfront. If we don't get you funded, we don't get paid. Our incentive is completely aligned with yours.
What kind of funding can I qualify for?
Depending on your credit profile and business situation, we can connect you with business credit cards at 0% intro APR, business lines of credit ($25K–$250K+), and working capital funding. The right option is determined on your strategy call based on your specific goals.
What if my credit is really bad right now?
That's exactly what we're here for. We start with a full credit audit, identify every error and removable item across all 3 bureaus, and file the disputes. Most clients see meaningful improvement in 3–6 months. Then we move to the funding stage.
How long does the whole process take?
Credit repair typically takes 3–6 months — anyone promising faster is either lying or not doing real work. Once your credit is positioned correctly, funding applications move quickly — often within 2–4 weeks of reaching the right score thresholds.
What's your refund policy?
If we don't deliver the work we committed to in writing on your strategy call within 3–6 months, you get a 100% refund. No fine print. No satisfaction tests. We either do the work or we give your money back.
Do I have to be in Missouri?
No. We're headquartered in St. Peters, Missouri, but we work with clients across the United States. Everything runs by phone and video — wherever you are, we can help.
Are you a law firm or a credit repair company?
We're a credit repair organization operating under the Credit Repair Organizations Act (CROA) and working within your rights under the Fair Credit Reporting Act (FCRA). We're not lawyers, but we know the federal laws that protect you — and we use them.
Disclaimer: Unity Capital is not a law firm and does not provide legal advice. Credit repair services are provided in compliance with the Credit Repair Organizations Act (CROA). Results vary based on individual circumstances. You have the right to dispute information on your own credit report and the right to cancel any service contract within 3 business days. Federal law prohibits charging upfront fees for credit repair services.
Unity Capital
UNITY CAPITAL

We help business owners get funded. If your credit is blocking the way, we fix that first — then we get you the capital your business deserves. No upfront fees. No shortcuts.

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