Jul 20, 2026
What does it really take to get approved for six and seven figures in business credit – and what happens when life throws you off a cliff, literally?
In this episode of The A Game Podcast, host Nick Lamagna sits down with Merrill Chandler, founder of Get Fundable Solutions and one of the only non-FICO employees with direct insider access to how FICO’s underwriting algorithms actually work. Merrill survived a horrifying motorcycle accident – driving off a 70-foot cliff – and lived to tell how the exact business credit strategies he teaches his clients are what saved his business, his finances, and ultimately his life during recovery.
This isn’t your typical “improve your credit score” conversation. Merrill breaks down why your credit score is nearly irrelevant to loan approval, what lenders and banks are really looking for in 2026, and the 150 “borrower behaviors” FICO’s decisioning platform actually measures before a human ever looks at your file. If you’re a real estate investor, entrepreneur, or small business owner trying to unlock unsecured business lines of credit, this episode is a masterclass in business credit strategy, fundability, and financial resilience.
In this episode, you’ll learn:
✅ Why an 800+ credit score does NOT guarantee loan approval – and what actually does
✅ The 3 stages every lender uses to approve or deny you (and why your score only matters in stage one)
✅ How real-time credit reporting and utilization thresholds secretly affect your approval odds
✅ The “statement close date” trick most borrowers get wrong – even if they pay their balance to zero
✅ Why business credit cards like Capital One Spark can silently hurt your personal credit profile
✅ How to build $100K-$1M+ in unsecured business lines of credit that never touch your personal credit
If you’re serious about real estate investing, business funding, credit optimization, entrepreneurship, financial freedom, or scaling your business, this episode delivers practical advice you can immediately put to work.
Connect with Merrill Chandler:
Connect with Get Fundable:
Join FREE weekly credit solutions Q&A calls
Get your FREE 8 Fatal Funding Landmines guide
Get your FREE copy of THE NEW F* WORD book
Listen The Fundability™ Podcast on Apple Podcasts
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