The Malloy Group Financial

Presents

Financial Coaching

At The Malloy Group Financial LLC, our goal is to equip you with the tools, strategies, and resources necessary to take control of your financial health. Whether you’re looking to improve your credit, secure funding, or create a financial game plan, we are here to guide you every step of the way.

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CredX Credit Coaching

Our services

Credit Coaching & Repair Solutions

We help clients understand and improve their credit profiles by analyzing credit reports, identifying errors, and implementing proven strategies to increase credit scores. Our team educates clients on credit-building techniques, debt management, and financial habits that lead to a stronger financial future.

Improve Your Credit Score by 100+ Points with These Pre-Approved Credit-Building Tools

  • Self Lender -Provides Credit Builder Accounts that enable you to build credit history while saving money. By making on-time monthly payments, you can enhance your credit profile and access funds at the end of the loan term.

  • Credit Strong -Offers credit builder loans designed to help individuals establish or improve their credit scores. With various plans available, you can choose one that fits your budget and financial goals.

  • Rent Reporters – A rent reporting service with back dating ability helps you build credit by reporting your rent payments to major credit bureaus up to 2 years By adding your on-time rent history, you can improve your credit score and strengthen your financial profile.

  • Credit builder Card -A secured credit card that reports to all three major credit bureaus. With a $200 deposit, you can start building your credit by making regular purchases and timely payments.

  • Grow Credit -Provides a free Mastercard that helps you build credit by paying for your subscriptions, such as Netflix and Spotify. Payments are reported to the credit bureaus, aiding in credit score improvement.

  • Kovo -Offers a credit-building plan at $10 per month for 24 months, reporting to all four major credit bureaus. Additionally, Kovo provides access to online courses and cash rewards for eligible customers.

  • Ava -A mobile app designed to help users build credit by reporting their rent and utility payments to the credit bureaus. By ensuring timely payments, Ava assists in enhancing your credit profile.

Get funded

Funding Solutions

Whether you’re looking for personal loans, business capital, or lines of credit, we assist in securing the funding you need. We guide our clients through the process of obtaining financing by improving their financial profiles and connecting them with trusted lenders.

Business Structure & Compliance Setup

Beginning Stage

• Assistance with LLC, S-Corp, or C-Corp formation to ensure your business is properly registered.
• EIN (Employer Identification Number) registration with the IRS.
• Guidance on obtaining a D-U-N-S Number (required for business credit reporting with Dun & Bradstreet).
• Business phone, email, and website setup to ensure compliance with lender requirements.

Establishing Business Credit Profiles

• Registration with major business credit bureaus: Dun & Bradstreet, Experian Business, and Equifax Business.
• Assistance in setting up Net 30 vendor accounts that report to credit bureaus.
• Recommendations for starter trade lines that build your Paydex score.

Building Strong Business Credit

• Helping you obtain business credit cards that report to business credit bureaus.
• Guidance on securing lines of credit and business loans without requiring a personal guarantee (PG).
• Strategies for increasing your business credit score (Paydex, Intelliscore, FICO SBSS, and Experian Business Score).
• Monthly progress tracking and credit-building roadmap.

Accessing Business Funding

• Connecting you with lenders, business grants, and funding opportunities.
• Assistance with applying for business credit cards with high limits.
• Pre-qualification for non-recourse business loans and cash flow financing.
• Help securing equipment financing, invoice factoring, and SBA loans.

Financial Education & Coaching

• One-on-one business credit coaching sessions.
• Step-by-step guidance on leveraging business credit for growth and expansion.
• Insights on how to use business credit to purchase vehicles, real estate, or inventory without using personal credit.
• Exclusive tips on avoiding common business credit mistakes.

Why Build Business Credit?

• Protects your personal credit by separating business finances.
• Increases borrowing power and access to higher credit limits.
• Builds credibility with suppliers, vendors, and financial institutions.
• Opens doors to low-interest business loans, corporate credit cards, and vendor accounts.
• Positions your business for long-term financial success and expansion.

Debt Management & Negotiation

Struggling with high-interest debt? We offer debt negotiation and consolidation solutions to help clients reduce their financial burdens and work towards a debt-free future.

Coming Soon!