ClearPath™ Personal Loan Solutions

Start Your ClearPath™
Credit & Loan Assessment

Answer a few questions to see your loan options. Takes under 60 seconds — no impact to your credit score.

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60 seconds

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Setup — Step 1 of 250%
Required Before Your Assessment

Set Up Your Credit Monitoring

We use SmartCredit to access your 3-bureau report. Sign up through our link so your consultant can review your full credit profile before your discovery call.

SmartCredit™
Required — Step 1 of 2

Sign up — we review your report before the call

You must use our link. Reports from Credit Karma or AnnualCreditReport.com can’t be used. Soft pull only — no impact to your score.

  • All 3 bureaus — Equifax, Experian, TransUnion
  • Real-time alerts & identity monitoring
  • Your consultant reviews it before your call
Sign Up for SmartCredit →
SmartCredit signup opened — return here and confirm below

Confirm Your SmartCredit Account *

I just registered for a SmartCredit account for the first timeSigned up through the link above — account is active
I already have a SmartCredit accountPreviously enrolled through our platform
Setup — Step 2 of 2100%
Required Banking Partner

Open Your SoFi Account & Get $25 Instantly

A SoFi checking account is required before your loan application is submitted. Use our private invitation link and SoFi deposits $25 into your account automatically.

SoFi·
🎁 $25 Bonus

Open a free SoFi checking account

Private invitation link. No monthly fees, no minimums. Fund with $50 via personal debit card and $25 is deposited automatically.

  • Takes 5 minutes online
  • Fund with $50 via personal debit card (not prepaid, not credit, not cash)
  • Name & address must match your loan application

★ Private link only. The $25 bonus is exclusive to our invitation — not available if you sign up directly.

Open SoFi & Claim Your $25 →

Free to open  ·  No monthly fees — ever  ·  FDIC insured

SoFi account opened — confirm below and continue

Confirm Your SoFi Status *

I already have a SoFi accountExisting account in good standing
I just opened and funded my SoFi accountAccount is open, funded with $50+ via debit card, and ready
I need more time — I will open it before my discovery callUse the button above when ready, then return here
Question 1 of 12+ 8%
Your Loan Goals

How much are you looking to borrow?

Select the range that best fits your needs

$500 – $2,500Small personal or emergency expense
$2,500 – $10,000Mid-range personal loan
$10,000 – $35,000Debt consolidation or major expense
$35,000 – $100,000Large personal loan or home improvement
Your Loan Goals

What is the primary purpose of your loan?

Choose the option that best describes your need

Debt ConsolidationCombine multiple debts into one payment
Emergency / Unexpected ExpenseMedical, car repair, or urgent need
Home ImprovementRepairs, renovations, upgrades
Major Purchase / OtherAuto, education, business, wedding, moving
Your Credit Profile

What is your approximate credit score range?

Use your best estimate if you are not sure

Below 550Significant credit challenges
550 – 619Rebuilding or limited history
620 – 699Fair to good credit
700 and aboveGood to excellent credit
Your Credit Profile

Do you have any active collections or charge-offs?

Accounts sent to collections or written off by a lender

No — none that I know ofClean or near-clean collection history
Yes — 1 or 2A small number of collection accounts
Yes — 3 or moreMultiple collections or charge-offs
Not sureI have not checked recently
Your Credit Profile

Any bankruptcies or judgments in the last 10 years?

Public records that appear on your credit report

No bankruptcies or judgmentsNo public records on file
Discharged — over 4 years agoResolved, older filing
Discharged — within last 4 yearsRecently resolved
Active or pendingCurrently in process
Your Financial Profile

What is your current employment status?

Lenders use this to verify your income source

Employed Full Time (W-2)Regular salaried or hourly employee
Self-Employed / 1099 / Business OwnerFreelance, contractor, or own a business
Receiving Benefits (SSI / SSDI / Pension)Fixed income from benefits or retirement
Part Time / Gig Work / Other IncomeVariable or supplemental income
Your Financial Profile

What is your approximate gross annual income?

Before taxes, all sources combined

Under $25,000
$25,000 – $50,000
$50,000 – $85,000
$85,000 and above
Your Financial Profile

What are your approximate total monthly debt payments?

Include car payments, student loans, credit cards, other loans

Under $500/monthLow existing debt burden
$500 – $1,500/monthModerate debt payments
$1,500 – $3,000/monthHigher existing obligations
Over $3,000/monthSignificant monthly debt load
Collateral & Assets

Do you have any collateral or assets you could use to secure a loan?

Collateral can open additional loan options and improve approval odds

Yes — I own a vehicle (car, truck, motorcycle)Could qualify for a title loan or secured auto loan
Yes — I own real estate or have home equityProperty ownership may qualify for secured options
Yes — Other asset (savings, equipment, valuables)Other assets that may be used as security
No — I am looking for an unsecured loanNo collateral available or preferred
Vehicle & Title Loan

Do you own your vehicle free and clear, or do you still have an outstanding loan on it?

Title loans require clear or near-clear title. Payday and bad credit loans do not require a vehicle

I own it free and clear — no loan balanceQualifies for a title loan based on vehicle value
I have a small remaining loan balanceMay still qualify depending on equity in the vehicle
I owe most of the original balanceLimited title loan equity but other options available
I do not own a vehicle / not applicableWe will focus on personal loan and payday options
Title Loan Option

Would you be open to a car title loan as well?

A title loan uses your vehicle as collateral and can provide fast funding regardless of credit score

Yes — I am open to a title loanI want to explore this option alongside personal loans
Maybe — tell me more during my sessionI would like my advisor to walk me through it
No — I prefer a personal loan onlyI do not want to use my vehicle as collateral
Emergency Funding

Are you open to a Fast Cash Qualification check?

We can check short-term emergency cash options right now alongside your personal loan search — no additional credit impact

Yes — check my fast cash options tooI want to see what I qualify for right now
Maybe — show me what it involves firstI am curious but want to know more before deciding
No — personal loan onlyI only want to explore longer-term options
Fast Cash Check — Step 1

Do you currently have income?

Any source counts — employment, benefits, gig work, or self-employment

Yes — I have steady regular incomeWeekly, biweekly, or monthly
Yes — I have some income but it variesGig work, freelance, sporadic
No — I do not currently have income
Fast Cash Check — Step 2

What is your income source?

Select your primary source

Full-time employment (W-2)
Part-time employment
Self-employed / gig workUber, DoorDash, freelance, etc.
Benefits / SSI / SSDI / Pension / Retirement
Fast Cash Check — Step 3

How do you receive your income?

Direct deposit significantly increases your fast cash approval odds

Direct deposit to my bank account🔥 Highest approval rates
Paper check
Cash
Fast Cash Check — Step 4

How often are you paid and approximately how much per month?

Most lenders require at least $800–$1,000/month

Weekly or biweekly — $800+ per month
Monthly — $800+ per month
Under $800 per monthMay limit fast cash options but we will still check
Varies — not consistent month to month
Fast Cash Check — Step 5

A few final questions to complete your fast cash check

Answer all three to get your best matches

How long have you been receiving this income?

Less than 1 month
1–3 months
3+ monthsPreferred by lenders

Have you received deposits in your bank account in the last 30 days?

Yes
No

Do you currently have any active payday or cash advance loans?

No active payday loans
Yes — 1 active
Yes — 2 or more active
Banking Status

Do you have an active checking account with regular direct deposits?

Direct deposit history is required for payday and bad credit loans. It is also a key factor for personal loan approval

Yes — active account with regular direct depositPaycheck, benefits, or other recurring deposits
Yes — active account but no direct deposit set upAccount in good standing, deposits made manually
I have an account but it has negative historyOverdrafts, NSF fees, or ChexSystems record
I do not currently have a checking accountWe will help you get banking set up as part of your plan
Your Timeline

How soon do you need funding?

This helps us prioritize your lender matches

As soon as possible — this weekUrgently need funds
Within the next 2 weeks
Within 30 days
Planning ahead — no rushResearching options for the future
Step 4 of 6 — Service Agreement75%
ClearPath™ Personal Loan Solutions

Review & Sign Your
Service Agreement

Please read the full agreement below. You must e-sign before proceeding to your discovery call booking.

Official Document

ClearPath™ Personal Loan Solutions — Client Service Agreement

PARTIES

This Client Service Agreement is between Capital Financial Solutions LLC ("Company") and the individual completing this form ("Client"). By electronically signing below, Client agrees to all terms herein.

1. SERVICES

The Company provides credit consulting, loan application preparation, and loan placement services through ClearPath Personal Loan Solutions. Services include a 30-minute discovery call, 3-bureau credit analysis, lender matching, loan application assistance, and a 90-day credit optimization roadmap.

2. FEES

a) Action Plan $47 (Required Prior to Discovery Call) — Non-refundable. Must be purchased and completed before the discovery call is conducted. Required for qualification.

b) Application Processing Fee $250 (Charged AFTER Discovery Call) — Non-refundable. Covers the discovery call, credit analysis, lender matching, application preparation, and 90-day roadmap. If no loan offers are returned, the $250 is applied toward the first month of credit restoration services with Educate & Restore Credit.

c) Placement Fee 9.9% of Funded Loan Amount — Due only upon a successfully funded loan. Not charged if no loan is funded.

d) Appointment Hold $1.00 (Non-Refundable) — Required to hold the discovery call appointment.

e) Cancellation Fee $25.00 — Applies to cancellations with less than 48 hours notice.

3. NO GUARANTEE OF APPROVAL

The Company is not a lender, creditor, or loan broker. It does not make credit decisions or guarantee loan approval, specific rates, or credit score outcomes. Results vary by individual.

4. CLIENT RESPONSIBILITIES

Client agrees to: (a) purchase and complete the $47 Action Plan prior to the discovery call; (b) provide accurate information; (c) attend the discovery call prepared in a quiet space; (d) have a clear repayment plan before pursuing funding.

5. PROHIBITED ACTIVITY

The Company does not assist with CPNs, document fabrication, bank fraud, or any misrepresentation of identity or financial information. Violation results in immediate disqualification without refund.

6. COMMUNICATIONS CONSENT

Client consents to receive communications via phone, SMS, and email including automated technology. Reply STOP to opt out of SMS. Consent is not required as a condition of purchase.

7. GOVERNING LAW

This Agreement is governed by the laws of the State of Maryland. Disputes shall be resolved through binding arbitration.

8. EDUCATIONAL PURPOSE

Guidance provided during the discovery call is for educational purposes only. Capital Financial Solutions LLC is not a financial advisor, underwriter, or creditor.

Capital Financial Solutions LLC  ·  7404 Executive Place Suite 400, Lanham MD 20706  ·  800-459-9410

▼ Scroll through and read the full agreement above before signing.

Electronic Signature — Please confirm each item:

Almost there — one quick step90%
Confirm Your Appointment

Authorize $1.00 to Hold Your Discovery Call

A $1 card authorization is required to hold your discovery call appointment. This is processed securely through Stripe — we never see or store your card number.

This $1 charge is

  • +A one-time appointment confirmation
  • +Processed securely via Stripe
  • +Non-refundable

This is NOT

  • ×The $250 processing fee
  • ×Charged until after your session
  • ×A subscription or recurring charge
🔒 Secure Stripe Checkout

Click the button below to complete your $1 authorization. Your card details are entered directly on Stripe’s servers — Capital Financial Solutions never sees or stores your card number.

🔒 Authorize $1.00 — Secure Stripe Checkout →

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Stripe checkout opened — return here once your $1 payment is complete
Your ClearPath™ Assessment Results

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Readiness

Your Required Next Step — Your Action Plan

1
Complete the Action PlanWork through the worksheets and understand your credit position
2
Book Your Discovery CallUse the calendar below to schedule your 30-minute session with your assigned ClearPath advisor
3
Complete Your Loan ApplicationYour consultant walks through your full profile and submits your application to 50+ lenders live on the call
4
Receive Your OffersDecisions return in real time — soft pull, no credit score impact. Funds as soon as the next business day if approved
5
🎉 Funding Complete!Your loan is funded and deposited directly to your account. Your 90-day credit optimization roadmap begins here
Next Step After Action Plan

Book Your Discovery Call

Confirm you have completed the Action Plan below, then select your session time.

Before booking, please confirm:

Important Disclosures: Capital Financial Solutions LLC provides credit consulting and loan placement assistance services. We are not a lender and do not make credit decisions. The $250 Application Processing & Placement Fee is non-refundable. This fee compensates Capital Financial Solutions LLC for the discovery call, 3-bureau credit analysis, lender match research, loan application preparation assistance, and 90-day credit optimization roadmap — all of which are delivered in full regardless of loan outcome. In the event that no loan offers are returned, the $250 fee may be applied toward enrollment in our credit restoration program through Educate and Restore Credit LLC and future loan application assistance once the client is in a stronger position to apply again. The 9.9% placement fee is due only upon a funded loan and is not charged if no loan is secured. Capital Financial Solutions LLC and Educate and Restore Credit LLC work in sequence — credit restoration first, then loan placement — ensuring our consultants know your full profile when you return for your loan assessment. We do not guarantee loan approval or specific credit score outcomes. Results vary based on individual financial behavior, credit history, and lender decisions. By submitting this application, you authorize us to review your submitted financial information for the purpose of loan placement.