E-FIX CREDIT INC. is an all-in-one business credit and funding platform that helps entrepreneurs build business credit, improve lender qualification, and access multiple funding options without hard credit inquiries.
Data compiled from public sources · Rating from CreditDoc methodology
E-FIX CREDIT INC. was founded in 2013 by Maurice A. Shabazz with a mission to help small and mid-sized businesses build business credit, secure funding, and achieve long-term financial success. The company operates as a software and advisory platform rather than a direct lender, positioning itself as a comprehensive solution for entrepreneurs navigating the business funding landscape.
The platform offers a "Free Business Success Scan" that analyzes 150 data points to assess whether a business meets industry lender standards, without triggering hard or soft inquiries on credit reports. Beyond the initial scan, E-FIX provides access to automated credit-building tools, connections to over 3,000 vendors for establishing business credit, lender compliance guidance, and a marketplace of funding products. Their service menu includes SBA loans, merchant cash advances, equipment financing, revenue-based financing, credit line hybrids, purchase order financing, commercial real estate options, and business credit cards.
E-FIX distinguishes itself through its emphasis on making businesses "bankable" by improving their overall financial profile and online presence. The platform uses 411 directory optimization and SEO tools to enhance business visibility and credibility. They position themselves as a middleman that helps businesses pre-qualify and understand lender requirements before formal applications, reducing rejection risk and streamlining the funding process. The company claims to serve agents and has case studies demonstrating rapid funding outcomes.
However, important caveats apply: E-FIX is a software platform and lead generation service, not a direct lender. While they advertise multiple funding products, actual lending is likely conducted by partner lenders, making approval terms and rates dependent on third parties. The website lacks transparent pricing, specific APR ranges, loan amount limits, or detailed underwriting criteria. Testimonials are limited and lack verifiable details. The "free" scan's actual utility and the quality of vendor connections for credit-building are unverified. Consumers should treat this as a business credit consulting and funding marketplace rather than a traditional lender.
Yes. E-FIX CREDIT Inc. is a registered company, headquartered in San Francisco, CA.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
E-FIX CREDIT INC. is best for small to mid-sized business owners who want to build business credit independently and need guidance on lender qualification before applying for funding. The main caveat is that E-FIX operates as a software platform and lead generator, not a direct lender—they connect you to partner lenders whose specific terms, rates, and approval criteria are not disclosed upfront, making it essential to verify partner lender credentials and compare offers independently.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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