Trigganator
Book a demo

For business credit advisors

Find what a lender would find. Before they do.

Trigganator is a credit-readiness portal under your own brand. Add a small-business client, run live checks on their state records, EIN, address, phone, web presence, credit report and bank cash flow, and get a PASS / WARN / FAIL report with a plain-English fix for every item.

Book a demo See what it checks

Lenders make their own decisions. Nothing here is a promise of approval or funding.

Readiness report

Example Client LLC

Sample
14Pass
3Warn
2Fail
  • Active with the statePASS
  • EIN matches legal namePASS
  • Legal name matches state recordFAIL Fix: Your application says “Example Client” but the state has “Example Client, LLC”. Use the exact state name everywhere.
  • Business phone lineWARN Fix: This number looks like a cell phone. Lenders prefer a fixed business line listed under the business name.
  • Domain agePASS
Fix list: 5 itemsPrintable report
  • State records
  • IRS / EIN
  • Address
  • Business phone
  • Web presence
  • Business profile
  • Credit report
  • Bank cash flow

Why advisors use it

Stop doing lookups by hand. Start every client with a clear list.

A lender's underwriter checks the same things every time. Trigganator runs those checks from live data, so you see the problems while there is still time to fix them.

Your brand, not ours

Your clients log in at your own address with your logo and colors. The report carries your name.

Problems before the lender

A name mismatch, a PO box, a cell number. Catch the small things that get an application flagged.

Hours back each week

State records, EIN, address, phone and domain lookups run in one pass instead of a dozen browser tabs.

A report clients understand

PASS, WARN or FAIL on each item, with a plain-English fix and a printable copy to hand over.

White-label portal

Your portal at yourname.trigganator.com

Each advisor gets their own branded portal. Your clients see your logo, your colors and your name from the sign-in screen to the printed report.

  • Your logo and brand colors throughout
  • Add clients yourself, or invite them by email
  • Clients sign in with a one-time email link. No password to forget.
  • Each advisor's data is kept separate

Illustration. Brand names and clients shown are made up.

What it checks

The things lenders look at, checked against live data.

Every item comes back PASS, WARN or FAIL. Anything that is not a pass gets a short, plain-English explanation of what to fix.

01

State records

  • Business is active with the state
  • Legal name matches the state record exactly
  • Registered for at least 12 months
  • Address matches the state record
02

IRS

  • EIN matches the legal business name
03

Address

  • A real street address, not a PO box or mail drop
  • Commercial or residential
04

Business phone

  • A fixed business line, not a cell or internet (VoIP) number
  • Caller ID name matches the business
05

Web presence

  • Working website on HTTPS
  • Domain at least 6 months old
  • Business email on the business's own domain
06

Business profile

  • Has a D-U-N-S number
  • Industry eligible for SBA loans and not on common high-risk lists
  • Has its own business bank account
07

Credit report

  • The owner uploads their credit report as a PDF
  • Trigganator flags the items lenders look at
08

Bank cash flow

  • The owner connects their business bank once, through Plaid, read-only
  • Up to 12 months of balances and deposits are read, then the connection is removed
  • It cannot move money and never sees bank passwords
Readiness, not credit repair

Trigganator verifies whether a business is ready to apply. It does not repair credit and does not promise approval. Lenders make their own decisions. Nothing here is a promise of approval or funding.

How it works

Four steps from new client to fix list.

You stay in control the whole way. Your client only does the two things that need them.

  1. 1 Advisor

    Add the client

    Enter the business yourself, or invite the owner by email. They sign in with a one-time email link. No password.

  2. 2 Advisor

    Run the records check

    State records, EIN, address, phone, web presence and business profile are checked against live data.

  3. 3 Business owner

    Upload and connect

    The owner uploads their credit report PDF and connects their business bank once, read-only.

  4. 4 Advisor

    Get the report

    A PASS / WARN / FAIL readiness report with a fix for each item, ready to review and print.

For business owners

See what lenders check before you apply.

A turned-down application can come down to something small: a name spelled differently from the state record, a mailing address that is a PO box, a phone number that is really a cell. Trigganator shows you those things first, in plain English, so you can fix them before a lender sees them.

You get access through your credit advisor. If you work with one, ask them about Trigganator.

Lenders make their own decisions. Nothing here is a promise of approval or funding.

Do I need a password?
No. Your advisor invites you and you sign in with a one-time link sent to your email.
Can it touch my bank account?
No. The bank connection through Plaid is read-only, happens once, and is removed right after. It cannot move money and never sees your bank password.
What happens to my credit report?
It is used to flag the items lenders look at, kept encrypted, and deleted automatically after 30 days.
Is this credit repair?
No. It is a readiness check: it shows where your business stands and what to fix.

Security

Built to hold sensitive business data carefully.

Here is exactly what we do. The privacy policy has the details.

Encryption

AES-256 for sensitive data

EINs, bank results and credit data are encrypted with AES-256.

Transport

HTTPS everywhere

Every page and every connection is served over HTTPS.

Separation

Each advisor's data apart

Each advisor's clients and reports are kept separate from every other advisor's.

Bank access

Read-only, then removed

The Plaid connection is read-only and removed right after the one-time read.

Retention

Credit reports auto-delete

Uploaded credit report files are deleted automatically after 30 days.

Backups

Nightly, encrypted

Data is backed up every night, and backups are encrypted.

Book a demo

See your own branded portal in a short walkthrough.

Tell us a little about your advisory practice and we will set up a time to show you Trigganator with real checks.

Email us: sales@trigganator.com Broker sign in

Lenders make their own decisions. Nothing here is a promise of approval or funding.