72hours.itsownlymoney.com
The 72 Hour Funding Sprint turns your credit file into a written funding plan, then routes you into the fastest realistic path: credit-ready sprint, thin-file conversion, or no-money-up-front credit repair preparation.
72h
credit-ready sprint
30-45d
thin-file conversion
90d
repair-first prep
Funding Sprint Command Center
Advisor-led file review
Funding Target
$50,000
Fast path available for qualified credit-ready files.
740+
TU target
72h
sprint
2.5%
success fee
Credit report
received
PDF plan
ready
Agreement
next
Advisor Message
Your file is reviewed before the sprint, conversion path, or repair-first path is recommended.
Client Promise
No one moves forward without a written Credit Profile Plan.
500+
deals funded before this sprint
2.5%
back-end success fee on instant-issue funding
3
readiness paths after onboarding
1
advisor portal for calls, text, and updates
Explainer Video
The short video gives clients the fast version: report first, PDF plan second, then the right funding path based on their file.
Report
PDF Plan
Funding Path
How the 72 Hour Funding Sprint Works
Three Paths
The page does not force every client into the same offer. Onboarding sorts each file into the fastest realistic path.
Funding Router
One intake creates the map.
1
Report
Tri-merged file
2
Plan
PDF blueprint
3
Path
Advisor decision
Readiness Snapshot
Score, depth, utilization, inquiries
738
bureau
742
bureau
751
bureau
Path 1
72 hours
Credit Ready
Instant-issue funding sprint
Path 2
30-45 days
Good Credit, Thin File
Credit conversion path
Path 3
90 days
Credit Repair First
No-money-up-front prep path
Path 1
72 hours
Instant-issue funding sprint
For clients whose file is already strong enough to move directly into the sprint after onboarding and advisor review.
Path 2
30-45 days
Credit conversion path
For clients with good credit but limited file depth who need additional seasoned accounts before funding execution.
Path 3
90 days
No-money-up-front prep path
For clients who need credit assistance first. The realistic timeline is confirmed during onboarding before the plan begins.
Funding Readiness Blueprint
Credit Profile Plan
91
EQ
738
EX
742
TU
751
Recommended Path
72 Hour Sprint Candidate
Credit Profile Plan
After onboarding, your advisor prepares a written plan that explains the credit profile, the recommended path, what needs to happen next, and the timeline that is realistic for the file.
Readiness score and bureau summary
Credit-depth and thin-file assessment
Utilization, inquiries, and negative-item notes
Recommended 72-hour, 30-45 day, or 90-day path
Advisor next steps before any application
No past-performance guarantee disclosure
How It Works
The sprint starts with file clarity. Every client knows whether they are ready now, need conversion assistance, or need no-money-up-front credit repair first.
Upload your current report through the portal. If you do not have one, start with IdentityIQ before onboarding.
Your funding team verifies the file, documents, score profile, depth, utilization, inquiries, and negative items.
You get a written Credit Profile Plan explaining your readiness score, recommended path, timeline, and next actions.
Credit-ready clients enter the sprint. Thin-file clients complete conversion. Repair-first clients begin preparation.
Conversion Package
$997
4
Primary accounts
4
Authorized-user accounts
8+
Years history
$10K+
Limits
Invoiced only after onboarding confirms this is the recommended path. Four-pay option available.
Thin File Conversion
The $997 package belongs only to the thin-file conversion path. It is not a credit-repair fee. It is presented after onboarding when the advisor confirms file depth is the bottleneck.
Advisor Portal
Clients register through the Ownly Funds portal for full program access. They can schedule update calls, message live agents, and book a consultation with certified cash-flow coaches to discuss stable passive cash-flow strategies that may support debt servicing.
Funding advisor
Live agent text
Cash-flow coach
Ownly Funds Portal
Advisor assigned
Credit report
Received
PDF plan
In review
Advisor call
Scheduled
Funding path
Pending decision
Update calls
Live agent text
Debt Servicing View
Cash-flow coach consult
Call
scheduled
Plan
reviewed
Support
ongoing
Start Here
Register for portal access first. If you do not already have a tri-merged report, get one through IdentityIQ before the advisor review.