Hi Score Financial x Coast Funding: From Denied to Funded

Coast Funding (coastfunding.com) provides working capital solutions and specialty financing to small and mid-sized businesses across the United States. Their team, led by CEO Matt Price, brings over 30 years of combined finance experience to every transaction. They offer term loans, lines of credit, equipment financing, and working capital solutions up to $1 million — with fast approvals and funds available as quickly as the next business day.

But here is the challenge Coast Funding kept running into: incredible business owners with strong revenue and legitimate funding needs were being turned away because their personal credit profiles had issues. Collections from years ago. High utilization from a rough patch. Medical bills that went to collections. A bankruptcy from a previous business that failed.

These weren't bad business owners. They were good people with credit problems.

That is where Hi Score Financial enters the picture. As a veteran-owned credit repair company serving all 50 states, we specialize in exactly this: taking damaged credit profiles and transforming them into fundable ones. We dispute inaccuracies, negotiate with creditors, rebuild credit foundations, and get scores to where they need to be for approval.

The Hi Score Financial x Coast Funding pipeline is elegantly simple:

Step 1: Client Applies for Funding A business owner contacts Coast Funding for working capital, a term loan, or a line of credit. During the application review, Coast Funding's team identifies that the client's personal credit score is below the threshold needed for approval.

Step 2: Referral to Hi Score Financial Instead of simply denying the client and sending them away, Coast Funding refers them directly to our team at Hi Score Financial. The client gets a free credit evaluation where we pull their 3-bureau report, identify every issue holding them back, and build a personalized repair strategy.

Step 3: Credit Repair & Rebuilding Our team goes to work. We dispute inaccurate items with all three bureaus (Equifax, Experian, and TransUnion), negotiate settlements on legitimate debts where appropriate, optimize utilization ratios, and guide the client on building primary credit lines. Depending on the severity of the issues, this process typically takes 60 to 180 days.

Step 4: Client Returns to Coast Funding Once the client's credit profile is strong enough to qualify — typically a 650+ score with a clean profile — they go back to Coast Funding with confidence. This time, instead of a denial, they get an approval. Often for significantly more than they originally applied for, because a stronger credit profile unlocks better terms and higher limits.

Step 5: Business Growth The client receives their funding, invests in their business, and grows. Everyone wins.

While we cannot share specific client names without permission, here are representative examples of the types of outcomes this partnership produces:

Landscaping Company Owner — Phoenix, AZ - Starting score: 520 (denied for $75K line of credit) - Issues: 3 collections, high utilization, 1 charge-off - After Hi Score Financial: Score improved to 715 in 120 days - Coast Funding result: Approved for $100K line of credit

E-Commerce Business — Dallas, TX - Starting score: 548 (denied for $50K term loan) - Issues: Medical collections, late payments from 2022 - After Hi Score Financial: Score improved to 698 in 90 days - Coast Funding result: Approved for $75K term loan

Restaurant Owner — San Diego, CA - Starting score: 490 (denied for equipment financing) - Issues: Previous business bankruptcy (2019), 5 collections - After Hi Score Financial: Score improved to 680 in 150 days - Coast Funding result: Approved for $150K working capital

These are the kinds of transformations that happen when two companies with complementary expertise work together with the client's best interest at the center of everything.

The traditional funding industry has a dirty secret: when a client gets denied, most lenders simply move on to the next applicant. The denied client is left confused, frustrated, and without a clear path forward. They might try another lender, get denied again, and eventually give up on their business dreams entirely.

Our partnership with Coast Funding breaks that cycle. Instead of treating a credit denial as a dead end, we treat it as a starting point. The denial becomes a diagnosis, and the diagnosis leads to a treatment plan.

This matters because:

For the business owner: They get a clear roadmap from denial to approval. They are not abandoned. They have a team actively working to get them funded.

For Coast Funding: They retain clients who would otherwise be lost forever. When those clients come back with repaired credit, Coast Funding earns the deal they would have lost.

For Hi Score Financial: We get to serve business owners who are highly motivated to fix their credit because they have a tangible goal (funding) waiting for them on the other side.

For the economy: More small businesses get funded. More jobs are created. More communities thrive.

Coast Funding is headquartered at 4350 Executive Drive, Suite 305, San Diego, CA 92121. Founded in 2020, they have quickly established themselves as a trusted non-bank funding source for small businesses nationwide. Their programs include:

• Term Loans: 6-18 month terms, up to $1M
• Lines of Credit: Revolving access to capital
• Equipment Financing: Fund machinery, vehicles, and technology
• Working Capital: Fast access to cash for operations

Their application process is entirely online, takes minutes, and they pride themselves on a personalized approach in an industry that has become increasingly transactional. You can learn more at [coastfunding.com](https://coastfunding.com) or call them directly at (855) 893-3294.

Hi Score Financial is a veteran-owned credit repair and financial services company based in Newport Beach, California, serving clients in all 50 states. Led by Daniel Reuter, CEO, our team specializes in personal credit repair, business credit building, funding assistance, LLC formation, tradelines, ChexSystems removal, tax solutions, trust assistance, and insurance.

We operate on a flat-rate pricing model — no monthly fees that incentivize dragging out the process. Our goal is to get your credit fixed as fast as possible so you can move on to your financial goals, whether that is buying a home, starting a business, or securing funding through partners like Coast Funding.

Call us at (800) 657-0817 or visit [hiscorefinancial.com](https://hiscorefinancial.com) to book your free credit evaluation.

If you are a business owner who has been denied funding due to credit issues, here is your next step:

1. Book a free credit evaluation with Hi Score Financial. We will pull your 3-bureau report, identify exactly what is holding you back, and give you a realistic timeline for repair.

2. Let us go to work. Our team handles the disputes, negotiations, and strategy. You focus on running your business.

3. Get funded. Once your credit is where it needs to be, we will connect you with Coast Funding (or you can go back to them directly) to complete your funding application with confidence.

The path from denied to funded is shorter than you think. It starts with a single phone call.

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*Hi Score Financial x Coast Funding — Stronger Credit. Bigger Opportunities.*