Specializing In Business Funding, Credit Repair, And Banking History Restoration
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At Upper Echelon Capital, we help entrepreneurs and individuals unlock their full financial potential through smart funding, strategic credit repair, and expert banking restoration services.
We’re more than a finance company — we’re your partner in long-term financial success.
We offer practical financial solutions designed to help you move forward with confidence. From funding and credit repair to banking restoration, our services are built to meet real needs — fast and effectively.
From term loans to private lending, we provide customized solutions to help businesses access capital quickly and reliably.
Rebuild and improve your credit with a proven system that challenges errors, builds positive habits, and improves your score.
Restore your banking history and gain access to essential financial tools again — even if you’ve been flagged by ChexSystems or other reporting agencies.
Real files, real approvals. Shared with client permission.
Negative items challenged and positive history built over eight months.
Two bankruptcy records deleted from Equifax and collections removed. Scores now in the 700s.
Elite Package: credit fixed, built and his LLC structured so he could lease properties for his Airbnb business.
Results vary. Every credit file is different, and past results don’t guarantee future outcomes. We challenge inaccurate, outdated or unverifiable information. We can’t remove accurate, timely information.
Four steps from where you are to approved.
Tell us your goal (a home, a car, funding, a bank account) and we review your 3-bureau credit report together.
We map out exactly what’s holding your file back and what lenders need to see before they say yes.
We challenge inaccurate, outdated or unverifiable items and help you add positive history at the same time.
When your file is ready, we help you apply with the right lender, in the right order, at the right time.
At Upper Echelon Capital, we bring real-world financial expertise and a personalized approach to every client. Our focus is on delivering results, building trust, and supporting your journey from start to success.
Financial & Industry Expertise
Personalized Strategies for Every Client
Fast Approvals & Competitive Rates
Committed, Professional Team
Yes. The Fair Credit Reporting Act gives you the right to dispute information on your credit report that is inaccurate, incomplete or can’t be verified, and the Credit Repair Organizations Act sets the rules credit repair companies have to follow. You also have the right to dispute items yourself, for free, directly with the credit bureaus. We do the work, the strategy and the follow-up for you.
It depends on your file. The credit bureaus generally have 30 days to investigate a dispute, and most files take several rounds. We’ll give you a realistic plan on your free call. No one can honestly guarantee a timeline or a specific result.
We challenge inaccurate, outdated or unverifiable collections, charge-offs, late payments, repossessions, bankruptcies, hard inquiries and personal information. We also help with banking history (ChexSystems and Early Warning Services) and with getting your business ready for funding. We can’t remove accurate, timely information.
It depends on the program. You can see every program and price on our Credit Repair Programs page. Payment plans are available through Credee with no credit check, and your on-time payments are reported to all three bureaus. Want to learn the process yourself? The Approval Room has a free 7-day trial.
No. Disputing information on your report doesn’t lower your score, and we don’t apply for credit in your name. Hard inquiries only happen when you apply for new credit.
No. Most of our clients start with collections, late payments, charge-offs or a past bankruptcy. That’s exactly who we built this for.
We don’t stop at disputes. We fix your credit, build positive history, restore your banking history if you’ve been denied a bank account, and get you ready for funding. Our team has helped 10,000+ clients and secured $5M+ in funding approvals.
Yes. Book a free strategy call, and we’ll review your goals and your credit report with you. No obligation.
Whether you need business funding, credit repair, or help restoring your banking history — our team is here to support you. Let’s discuss your goals and find the right solution for your financial success.