Free 3-minute assessment

Know your funding readiness before you apply.

Complete a confidential, self-reported Quick Check to see whether your current profile meets SOAR’s initial readiness gate and receive your free Funding Gap Snapshot.

No hard inquiry
No SSN collected
No approval promises

Funding Readiness Quick Check

Fields marked with an asterisk are required.

Contact information

First name *

Last name *

Email *

Mobile phone *

Used only with the consent selected below.

Business and funding goal

Business name *

Funding amount needed *

Time in business *

Average monthly revenue *

Primary use of funds *

Self-reported readiness indicators

Estimated personal credit score *

Self-reported only; no credit pull is performed.

Estimated revolving utilization *

Business document readiness *

SOAR preliminary assessment

Your result

Funding Readiness Result

Initial credit gate

Funding goal

Business stage

Your Result

Your Free Funding Gap Snapshot

Your self-reported profile has been recorded. Check your email for your complete Snapshot, which includes:

Readiness gaps and priority actions
Paydown and utilization considerations
Document-readiness checklist
Potential funding-path categories

This assessment is educational and based on self-reported information. It is not a lender offer, credit approval, placement promise, or guarantee of funding.

SSOAR TO THE TOP

SOAR To The Top

Privacy Policy

Effective date: July 15, 2026

This Privacy Policy explains how SOAR To The Top ("SOAR," "we," "us," or "our") collects, uses, discloses, and protects information when you use our funding-readiness pages, request a Funding Gap Snapshot, communicate with us, or later purchase a separate service.

Important: The Funding Readiness Quick Check is based on information you choose to report. It does not perform a credit pull. Do not submit a Social Security number, date of birth, bank login, full bank-account number, or payment-card information through the Quick Check.

1. Information we collect

We may collect information that you provide directly, including your name, email address, telephone number, business name, funding goal, time in business, monthly revenue range, intended use of funds, estimated personal credit-score range, estimated revolving utilization, document-readiness status, consent selections, and communications with us.

Our website and service providers may also collect technical information such as IP address, browser type, device information, referring page, page interactions, timestamps, cookie identifiers, and delivery or engagement data for email and text communications.

2. Information we intentionally do not request in the Quick Check

The Quick Check is not a credit application or payment form. We do not ask you to enter a Social Security number, date of birth, bank credentials, full bank-account number, or payment-card information in that form. If you later purchase a service, payment information is submitted directly to the applicable third-party payment processor and is governed by that provider's privacy and security practices.

3. How we use information

We may use information to provide the requested Quick Check and Funding Gap Snapshot; calculate and display a preliminary readiness band; create or update a contact record; communicate about your request; provide services you later purchase; operate, secure, troubleshoot, and improve our systems; keep consent and opt-out records; prevent misuse; and comply with legal obligations.

SOAR's 680 readiness gate is an internal, preliminary screening criterion based on your self-reported range. It is not a lender's underwriting decision, a credit approval, or a promise that financing is available.

4. Email and text communications

We may send service communications needed to deliver information you requested. Where your consent or another lawful basis is required, we use email or text for related marketing communications only as permitted. Consent to marketing texts is not a condition of purchasing a service. Message and data rates may apply.

You may unsubscribe from marketing email through the link in the message. You may reply STOP to a text or use another reasonable method that clearly communicates your request to stop. We may send a one-time nonmarketing confirmation of an opt-out. Opting out of marketing does not prevent communications necessary to complete an existing transaction or respond to your request.

5. How we disclose information

We may disclose information to service providers that support our website, customer relationship management, workflow automation, hosting, analytics, email, text messaging, payment processing, security, professional services, or customer support. These providers may include HighLevel/LeadConnector and, for a later purchase, Commas or another disclosed payment provider.

We may also disclose information when required by law, to protect rights or safety, to investigate misuse, or in connection with a merger, financing, acquisition, reorganization, or sale of business assets. We do not knowingly sell personal information for money. If a future advertising or data practice constitutes a "sale" or "sharing" under an applicable privacy law, we will provide any notice and choice required by that law.

6. Cookies and similar technologies

Our pages and service providers may use cookies, pixels, local storage, and similar technologies to operate the page, remember settings, measure performance, protect against misuse, and understand communication engagement. Browser settings may allow you to block or delete cookies, although some functions may not operate correctly afterward.

7. Data retention and security

We retain information for as long as reasonably necessary for the purposes described in this Policy, including service delivery, recordkeeping, dispute resolution, security, and legal compliance. We use reasonable administrative, technical, and organizational safeguards, but no transmission or storage system can be guaranteed to be completely secure.

8. Your privacy choices and rights

Depending on where you live, you may have rights to request access to, correction of, or deletion of certain personal information, or to object to or restrict certain processing. These rights may be subject to legal exceptions and identity verification. To make a request, email [email protected] with the subject line "Privacy Request."

9. Children's privacy

Our services are intended for adults acting for themselves or a business. They are not directed to children under 18, and we do not knowingly collect personal information from children through the Quick Check.

10. Third-party sites and services

Our pages may link to third-party websites or services. Their privacy practices are governed by their own policies, not this Policy. Review those policies before providing information to them.

11. Changes to this Policy

We may update this Policy as our services or legal obligations change. The revised version will be posted with a new effective date. Material changes may also be communicated through an additional notice when appropriate.

12. Contact us

SOAR To The Top
2015 Ayrsley Town Blvd
Charlotte, NC 28273
[email protected]

SSOAR TO THE TOP

SOAR To The Top

Terms & Conditions

Effective date: July 15, 2026

These Terms and Conditions ("Terms") govern your use of websites, funding-readiness tools, communications, and services provided by SOAR To The Top ("SOAR," "we," "us," or "our"). By using a SOAR page or submitting a request, you agree to these Terms and our Privacy Policy.

Important: SOAR is not a lender. The Funding Readiness Quick Check, Funding Gap Snapshot, and any later analysis are educational and service-screening tools. They are not credit applications, lender decisions, financing offers, legal or tax advice, or guarantees of approval, funding, rates, terms, amounts, timing, or outcomes.

1. Eligibility and authority

You must be at least 18 years old and legally able to agree to these Terms. If you act for a business, you represent that you are authorized to provide its information and request services on its behalf.

2. Funding Readiness Quick Check and free Snapshot

The Quick Check uses information you voluntarily report to produce a preliminary readiness band and facilitate delivery of a free Funding Gap Snapshot. It does not access a consumer report or perform a hard credit inquiry. The 680 readiness gate is SOAR's internal preliminary criterion and is not a lender underwriting standard or approval.

Your result may be incomplete or inaccurate if the information you submit is incomplete, outdated, or incorrect. Credit is only one consideration; revenue, time in business, utilization, obligations, documents, industry, use of funds, geography, lender criteria, and other factors can affect available options.

3. No application or lender relationship

Submitting the Quick Check does not submit an application to a lender, create a lending relationship, reserve capital, or obligate any lender or provider to review or approve a request. If you later choose to consider a third-party product, that provider will use its own application, eligibility, underwriting, disclosures, pricing, privacy terms, and agreements.

4. Later paid services

SOAR may separately offer an analytical or consulting service after delivering the free Snapshot. Any paid service is governed by the description, scope, price, timing, and checkout terms presented when you choose to purchase. Payment for an analysis does not purchase financing and does not guarantee that financing is available or that an application will be approved.

Fees, cancellation rights, and any refund terms displayed at checkout or in an order confirmation form part of these Terms for that purchase. If a checkout-specific term conflicts with these general Terms, the checkout-specific term controls for that purchase. Payment-card information is provided directly to the disclosed payment processor, not through the Quick Check.

5. Your responsibilities

You agree to provide information you reasonably believe is accurate and current; use the services only for lawful business purposes; maintain the security of any credentials or links; review deliverables and third-party documents before acting; and seek appropriate professional advice for legal, tax, accounting, credit, or financial questions.

Do not submit a Social Security number, date of birth, bank login, full bank-account number, payment-card information, or information that you do not have authority to provide through the Quick Check.

6. Communications and consent

When you request an assessment, we may send service communications needed to respond and deliver it. Marketing email or text communications will be sent only as permitted by applicable law and your choices. Consent to marketing texts is not a condition of purchase. Message and data rates may apply.

You may use an email unsubscribe link, reply STOP to a text, or use another reasonable method that clearly communicates an opt-out request. We may send one nonmarketing confirmation of a text opt-out. You remain responsible for keeping your contact information current.

7. Third-party services and links

SOAR uses third-party technology and may provide links to payment processors, service providers, or other businesses. We do not control their availability, security, content, privacy practices, underwriting, pricing, or decisions. A link or introduction does not by itself constitute an endorsement or guarantee.

8. Intellectual property and permitted use

The SOAR name, site design, written content, assessment structure, graphics, and deliverables are owned by SOAR or used with permission and are protected by applicable law. SOAR grants you a limited, nonexclusive, nontransferable right to use a deliverable for your internal business purposes. You may not copy, resell, publish, scrape, reverse engineer, or create derivative commercial products from the services without written permission.

9. Prohibited conduct

You may not use the services to violate law, infringe rights, submit malicious code, interfere with systems, impersonate another person, misrepresent authority, collect information about others without permission, or attempt unauthorized access. We may suspend access when reasonably necessary to protect users, systems, or legal rights.

10. Disclaimers

Services and content are provided on an "as is" and "as available" basis to the fullest extent permitted by law. SOAR does not warrant that a page, communication, or third-party service will be uninterrupted, error-free, or suitable for every purpose. Educational information is general and may not reflect your complete circumstances or current laws, lender policies, or market conditions.

11. Limitation of liability

To the fullest extent permitted by law, SOAR will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost opportunities, loss of data, or third-party decisions arising from use of the services. Nothing in these Terms excludes or limits liability that applicable law does not permit to be excluded or limited.

12. Changes and termination

We may update these Terms as services or legal requirements change. Revised Terms will be posted with a new effective date. We may discontinue or modify a free service, or restrict use that violates these Terms, subject to obligations governing any paid service already purchased.

13. Severability and entire agreement

If a provision of these Terms is found unenforceable, the remaining provisions will continue to the extent permitted by law. These Terms, the Privacy Policy, and any checkout-specific terms or written service agreement form the entire agreement governing the applicable service.

14. Contact

Questions about these Terms may be sent to:

SOAR To The Top
2015 Ayrsley Town Blvd
Charlotte, NC 28273
[email protected]