Unity Capital — Stop Letting Bad Credit Kill Your Business Dreams
WARNING: This page contains uncomfortable truths about the credit repair industry. Read at your own risk.
For Aspiring Business Owners Only

Your business is dying. Your credit is the murderer.

Every month you stay stuck is another month watching someone with a worse idea than yours get the funding, open the business, and live the life you've been planning for years.

  • Denied for the loan you actually deserve
  • Paying 25%+ APR on cards while others pay 0%
  • Watching your business idea collect dust
  • Wondering if you'll ever get a fair shot
100% Free strategy call
No upfront fees (it's the law)
Refund if we don't deliver
Watch First — 90 Seconds
"This Is Why You're Still Broke"
Ricco breaks it down · 90 sec
⚠ PLACEHOLDER — Replace with Ricco's hero video

You weren't denied because you're lazy.
You were denied because the system is broken.

You wake up earlier than most people. You have ideas most people couldn't dream up. You've been planning your business in your head for years.

And every time you try to take the next step — a business loan, a line of credit, a chance to make your move — you get hit with the same nine words:

"I'm sorry, your credit doesn't qualify at this time."

So you wait. You watch people with worse ideas, less hustle, and zero vision get approved while yours sits on a shelf. You start to wonder if maybe they were right. Maybe you don't deserve it.

Stop. They were wrong about you.

Here's what nobody in this industry will tell you: most of what's keeping you stuck isn't actually your fault. It's paperwork. Errors. Items that legally shouldn't be on your report. Disputes nobody has filed for you yet.

79%
of credit reports contain errors that drag down your score.
— Federal Trade Commission Study

That's not a guess. That's the FTC. Four out of five reports have errors that are costing real people the funding they actually qualify for. Including yours, probably.

The question isn't whether your credit can be fixed. The question is: are you going to keep waiting, or are you going to get it fixed?

What They Won't Tell You

Three lies the credit repair industry sells you.
And what's actually true.

The Lie
"We can guarantee a 100-point score increase."
The Truth
Anyone who guarantees a specific score increase is breaking federal law and putting your money at risk. Walk away from anyone who says this.
The Lie
"Pay us $99/month forever and we'll fix your credit."
The Truth
Real credit repair takes 3-6 months, not 3 years. Companies dragging it out are draining your wallet, not your file.
The Lie
"Your credit is permanent. Just wait it out."
The Truth
Federal law (FCRA, FDCPA, Metro-2) requires bureaus to remove unverifiable items. The disputes that work are the ones nobody files for you.
The Unity Capital Offer

Everything you need to fix your credit and get funded.

Most credit repair companies sell you a service. We sell you the entire path from "denied" to "funded business" — and stand behind every step.

⭐ Complete System

Here's Everything You Get When You Enroll With Unity Capital:

Free 30-Minute Strategy Call
$297 Value
Full 3-Bureau Credit Report Analysis
$497 Value
Custom Action Plan With Your Specific Goals
$997 Value
Unlimited Disputes Across All 3 Bureaus
$1,497 Value
Live Progress Dashboard (See Every Letter)
$297 Value
Direct Access To Your Personal Case Manager
$497 Value
Funding Partner Connections (When You're Ready)
$1,997 Value
Monthly Progress Reports + Score Tracking
$297 Value
Total Real Value
$6,376
Your investment is discussed on your free call
Custom pricing based on your specific situation. Federal law prohibits charging upfront fees.
🛡
Our Promise To You

Don't pay us a dime unless we deliver.

Most credit repair companies make big promises and disappear. We do the opposite. Here's how we work — and how we stand behind it.

01

We Talk First

Free 30-minute strategy call. No fees. No commitment. We review your situation honestly.

02

We Set Goals

If we move forward, we agree on the specific work we'll do for your file. In writing. Up front.

03

You See Everything

Every letter we send. Every response we get. Every change. Logged in your portal. No black box.

04

We Deliver — Or You Don't Pay

If we haven't delivered the work we promised in 3-6 months, you get a 100% refund. Period.

We can't legally promise specific score increases. Anyone who does is breaking the law and risking your money. What we can promise is that we'll show up, do the work, and put our money on the line every time we open our mouths.
Why I Started Unity Capital
Ricco's full story · 3 min
⚠ PLACEHOLDER — Founder video to be filmed
Meet The Founder

I built this company because funding changes everything.

Before Unity Capital, I built and ran multiple businesses. I learned a lot of lessons the hard way — but the one that stuck with me most was simple: nothing matters more than access to capital.

Every time I tried to grow, scale, or pivot, the same wall came up: funding. Either I had it and the business moved forward — or I didn't, and I watched a good idea die on the vine.

I saw the same thing happen to friends, family, and entrepreneurs around me. Talented people. Real visions. Stuck because the money wasn't there.

I built Unity Capital to fix that — to give the next generation of dreamers a real shot at the funding their business deserves.

If you've got the dream and the work ethic, the money shouldn't be the thing that stops you. That's why we exist.

— Ricco Johnson, Founder · Unity Capital · St. Peters, MO

How It Works

From "denied" to "funded" in 3 simple steps.

No upfront fees. No long-term contracts. No surprises. Just a clear path from where you are to where you want to be.

1

Book Your Free Call

30 minutes. Zero cost. We listen to your goals, review your credit situation, and tell you straight up if we can help. If we can't — we'll tell you that too.

2

Get Your Custom Plan

We build a strategy specific to your file and your business goals. Transparent pricing. Clear timeline. You decide if you're in. No high-pressure sales.

3

Watch It Happen

You enroll, we go to work. Disputes filed. Progress tracked in your portal. Funding partners connected when your credit is ready. Every step transparent.

Real Results

People who were exactly where you are.

Five real Unity Capital clients. Five real stories. Watch what happens when bad credit stops being the thing holding you back.

⚠ Client video #1
Client Name 1
Trucking Entrepreneur · Missouri
[Real client quote — to be added when video testimonials are filmed.]
⚠ Client video #2
Client Name 2
Restaurant Owner · Missouri
[Real client quote — to be added when video testimonials are filmed.]
⚠ Client video #3
Client Name 3
E-Commerce Founder · Illinois
[Real client quote — to be added when video testimonials are filmed.]
⚠ Client video #4
Client Name 4
Construction Owner · Missouri
[Real client quote — to be added when video testimonials are filmed.]
⚠ Client video #5
Client Name 5
Real Estate Investor · Missouri
[Real client quote — to be added when video testimonials are filmed.]
⏱ Every Day You Wait Is A Day You're Stuck

Your business is waiting.
Your credit shouldn't be the reason it stays stuck for another year.

Book your free strategy call now. 30 minutes. Zero cost. Zero pressure. Either we tell you exactly how to fix your credit and get funded — or we tell you honestly that we can't help, and point you toward someone who can.

Book My Free Strategy Call
FREE
No-cost strategy call
30 MIN
Quick & focused
$0
Upfront fees ever
100%
Refund if we don't deliver
FAQ

Questions before you book?

How much does it cost?
Pricing depends entirely on your specific situation and is determined on your free strategy call. Federal law prohibits credit repair companies from charging upfront fees, so you don't pay anything until we've started the work we agreed to. No hidden costs, no surprise charges.
How long does this actually take?
Most of our clients see meaningful changes within 3-6 months. Anyone selling you "30-day credit repair" or "guaranteed 100-point increases" is either lying or breaking federal law. We focus on real, lasting improvement — not gimmicks.
What if I'm not satisfied with the results?
If we don't deliver the work we committed to on your strategy call within 3-6 months, you get a full refund. No fine print, no satisfaction tests. We put our money where our mouth is.
Are you a law firm?
No, we're a credit repair organization. We work within the rights granted by the Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA) to help you correct your credit reports.
What kind of business funding can I qualify for?
Once your credit is in the right place, we connect you with our funding partner network — business lines of credit, working capital, equipment financing, and more. The right option depends on your goals and qualifications, which we map out together.
Do I have to be in Missouri to work with you?
No. Unity Capital is headquartered in St. Peters, Missouri, but we serve clients across the United States. Your free strategy call happens by phone or video — wherever you are, we can help.
Why should I trust Unity Capital over anyone else?
Two reasons. First, we don't make illegal promises — we tell you what's possible based on your actual file. Second, we put our money on the line: if we don't deliver what we promised, you don't pay. Most credit repair companies disappear when results don't show up. We're the opposite.
Disclaimer: Unity Capital is not a law firm and does not provide legal advice. Credit repair services are provided in compliance with the Credit Repair Organizations Act (CROA). Results vary based on individual circumstances. You have the right to dispute information on your own credit report and the right to cancel any service contract within 3 business days.