Book a Free Funding
Strategy Call
30+ years of applied credit strategy. Clear sequencing. Bank-ready lender profile steps tailored to you.
Trusted Guidance. Proven Strategies.
Why Bright Solutions
We bring decades of real-world experience to every strategy session. No templates. No guessing. Just proven approaches tailored to your unique profile.
Profile-First Strategy
Your unique financial profile drives every recommendation we make.
Funding Sequencing Expertise
30+ years mastering the order that matters most in credit building.
Personal + Business Credit Mastery
Navigate both credit ecosystems with confidence and clarity.
Cash Flow Literacy
Learn to speak the language lenders actually understand.
Pre-Automation Era Experience
Real-world strategies from decades of hands-on applied work.
Tailored, Not Templated
No cookie-cutter solutions—every profile is different.
How It Works
Four simple steps from uncertainty to clarity.
2-Minute Fit Check
Quick questions to understand your situation and goals.
Free Strategy Call
30-45 minute discussion about your profile and funding goals.
Receive Readiness Steps
Get your customized lender profile readiness plan.
Leave with Clarity
Understand your next actions and path forward with confidence.
Your Lender Profile: Before → After
"Lenders don't fund need. They fund stability."
Watch what happens when a chaotic profile transforms into a lender-ready system. This is what David helps you build.
Poor Lender Profile
What Lenders See:
- Cards constantly maxed out (survival mode)
- Inquiry stacking (desperation signals)
- Unpredictable cash flow patterns
- No business foundation or structure
- Random, reactive behavior—no system
"Urgent need + unpredictable behavior = DENIED"
Lender-Ready Profile
What Lenders See:
- Low, stable utilization (controlled leverage)
- Strategic inquiries (intentional sequencing)
- Predictable, verified cash flow
- Real business footprint (EIN, website, email)
- Clear system—profile looks deliberate
"Stable + predictable + structured = APPROVED"
The Critical Mistake
Most denials happen because people apply too early, in the wrong order.
David's sequencing strategy transforms your profile from chaotic to credible—so lenders say yes.
Funding Sequencing: The Path That Works
Order matters. Timing matters. Sequencing is everything.
Stabilize
Fix score/utilization issues
Build foundation before moving forward
Build
Establish payment history
Prove reliability over time
Sequence
Strategic application order
Timing and order = everything
Apply
Right timing, right products
Maximize approval odds
Optimize
Manage ongoing credit health
Continuous improvement strategy
Common Mistakes to Avoid
Applying too early—before foundation is ready
Wrong order—business before personal is stable
Inquiry stacking—multiple apps in short window
Utilization spikes—maxing cards before applying
2-Minute Funding Fit Check
Answer a few quick questions to see if you're a fit for a strategy call.
Meet David "Hitman" Howard
Your Funding Partner & Strategist
From Beverly Hills Stylist to Funding Strategist
David's journey to becoming a funding and credit expert didn't start in a boardroom—it started in a Beverly Hills salon. As the owner of a high-end styling business serving both male and female clientele, David built something most entrepreneurs only dream of: a thriving business with innovative service packages that no one else in the industry was offering.
But the real education came when David had to navigate the financial systems himself. Over the years, he:
- Secured over $500,000 in personal credit cards
- Purchased land and investment properties
- Leveraged HELOC loans for business growth
- Mastered the complexities of Chapter 13 bankruptcy
- Learned dispute validity strategies from the inside
- Worked directly with credit bureaus—understanding they're paid to report your information, and YOU have rights over that data
30+ Years of Real-World Strategy
This isn't theory from a textbook. David has spent three decades helping families:
- Get approved for homes when banks said 'no'
- Secure car financing with terms that work
- Acquire land and build generational wealth
- Understand financial literacy in plain language
- Navigate personal and business credit ecosystems
The 'Hitman' Philosophy
"I've been in your shoes. I've built businesses, navigated setbacks, and learned that credit is a tool—not a mystery. My job is to help you understand the game lenders are playing, so you can play it better. No guessing. No templates. Just real strategies that have worked for real people for three decades."
Real People. Real Results. Real Freedom.
Over 30 years, David has helped families break free from financial barriers and build the lives they deserve.
"After three rejections, David's sequencing strategy got me approved. Now my family has the home we always wanted."
Home Loan"I left my 9-5 and started my catering business. David showed me how to leverage both personal and business credit. I'm free."
Started Business"We thought our credit was too damaged. David helped us rebuild strategically. We closed in 8 months."
First Home"David's approach to dispute validity changed everything. I went from drowning in debt to breathing again."
Debt Freedom"Started my mobile detailing business with the right funding sequence. David's guidance was priceless."
Business Launch"Learned how to use HELOC loans the right way. Now I own rental property building passive income."
Real Estate"Single mom, credit was rough. David helped me get reliable transportation for my kids. Life-changing."
Auto Loan"Went from side hustle to full-time entrepreneur. David's financial literacy coaching gave me confidence."
Business Growth"We bought land and built our dream home. David showed us the path when no one else would."
Land & Home"Over $500k in personal credit? David taught me the same strategies he used. Game-changer."
Credit Mastery"Lowered my rate, pulled cash out, and paid off high-interest debt. David's sequencing made it possible."
Refinance"Started my own trucking company debt-free. David's roadmap was clear and actionable."
Followed Passion"Opened my salon after years of working for someone else. David's funding strategy set me free."
Business Owner"Chapter 13 in my past didn't stop me. David knew the path forward. Now I'm building wealth."
Investment Property"Paid off collections, got a reliable car, and rebuilt my credit profile. I finally feel in control."
Fresh StartFrequently Asked Questions
Are you a lender?
No, we are not a lender or a bank. Bright Solutions provides consulting and educational services to help you optimize your credit profile and understand funding strategies.
Do you guarantee approvals or funding?
No. We cannot guarantee approvals, rates, or specific funding amounts. What we do is help you optimize your readiness and improve your odds based on proven sequencing strategies.
Who is this for?
Anyone with consistent cash flow (from a job or business) who wants to improve their lender profile, understand funding sequencing, or build a strategic credit plan. We work with all profiles and credit situations.
What if my credit is bad?
We work with all credit profiles. In fact, many of our most successful clients started with challenging credit situations. The key is understanding the right sequencing and actions for YOUR specific profile.
Do you help with business credit?
Yes! We help with both personal and business credit. Understanding how they interact and the proper sequencing between them is crucial for funding success.
What do I get after the call?
You'll receive your personalized Lender Profile Readiness Steps—a clear roadmap of actions to take based on your specific situation and goals.
How should I prepare for the call?
Have a general idea of your current credit situation, your funding goals, and what you want to accomplish. Don't worry if you don't have all the details—we'll work through it together.
How long is the call?
The free strategy call typically lasts 30-45 minutes, depending on your situation and questions.
Get Your Lender Profile Ready
Start with a free strategy call and leave with clarity, confidence, and your next actions.
Important Disclaimers:
Bright Solutions LLC is not a lender, bank, or financial institution. We provide consulting and educational services only. We do not guarantee approvals, specific rates, or funding amounts. Results vary based on individual circumstances, credit profiles, and lender criteria. All strategies discussed are for educational purposes.