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Magnara Global
MAGNARA GLOBAL
Personal Funding Intake
Reference—
Bank-Grade Encryption
Step 01 of 09 · Personal Info

Personal information

Legal identity as it appears on your government-issued identification.

14%
Legal Identity
Legal identity as it appears on your government-issued identification.
Required
Required · Age 18–100
AES-256 EncryptedStored encrypted at rest — visible to authorized reviewers only.
Required
Required
Valid email required
Residence
Your current residential address for identity and credit verification.
Required
Required
Employment & Income
Your employment profile and income snapshot.
Required
Required
$
Required
Funding Request
Outline the capital you are seeking, your timeline, and intended use of funds.
$
Required
Required
Required
Experian Credit Access
Required to pull your tri-bureau credit report for underwriting review. Encrypted in transit · Handled as restricted data.
Please ensure this matches your Experian profile exactly.
Required
Required
4 digits required
Required
Supporting Documents
Upload relevant files. PDF preferred. Max 20MB per file.

Government-Issued ID Required

Driver's License or Passport · PDF/JPG/PNG · Max 10MB

Utility Bill

Address Verification · PDF/JPG/PNG · Max 10MB

Experian Credit Report

3-Bureau Report · Full tri-merge · PDF · Max 20MB

Personal Tax Returns

Last 2–3 Years · PDF · Multiple OK · Max 20MB each

Bank Statements

Last 2–3 Months · PDF · Multiple OK · Max 20MB each

Pay Stubs / W-2s

If applicable · PDF/JPG/PNG · Multiple OK · Max 10MB each

Credit Card Statements

If applicable · PDF · Multiple OK · Max 10MB each

Preliminary Capital Estimate
Generated from the information you've provided. This estimate is a non-binding indication of facility size and pricing range our desk typically places for comparable profiles.
Indicative Facility Range

Your profile maps to the following capital band

$— – $—
Based on your declared revenue, EBITDA, collateral profile, and transaction structure. Firm terms will be issued after full underwriting, credit pull, and documentation review.
Indicative Rate
—
Typical Term
—
Likelihood Score
—
Soft Pre-Approval · No Hard Credit Pull

This is a soft pre-approval indication only derived from the information you provided. It is not a binding pre-approval, loan commitment, or offer of credit. No hard credit inquiry has been initiated. The 0.00% introductory rate reflects typical promotional APRs on stacked personal cards and reverts to standard cardholder rates after the intro period. Final terms are subject to complete underwriting, third-party verification, hard credit review, and applicable investor / lender guidelines.

Application Summary
Please review your information before submitting.
Baseline Qualification Benchmark
  • 680–720+ FICO preferred
  • Minimum 3–4 active tradelines
  • No recent major derogatories
Process & Timeline

Once documentation is received, your file is submitted to underwriting. Initial feedback is typically returned within 24–72 business hours.

Compliance & Regulatory Disclosures
Confidentiality Notice

All materials are held under Magnara Global's strict confidentiality protocols and will not be shared outside the approved review channel.

General Advisory Disclaimer

This intake does not constitute a loan commitment, pre-approval, or binding offer. All terms remain subject to full underwriting.

FTC Compliance — 16 CFR Part 255

Any endorsements or testimonials are presented in accordance with FTC disclosure guidelines.

FTC — Credit Repair Organizations Act

Magnara Global does not provide credit repair services as defined under CROA. We do not represent that we can remove accurate, verifiable information from your credit report.

SEC Compliance

Nothing herein constitutes an offer to sell or a solicitation to buy securities.

Data Privacy

Your personal information is handled in accordance with our privacy policy and applicable state and federal laws.

Equal Credit Opportunity Act (ECOA)

Credit decisions are made without regard to race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

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Intake Received

MG-XXXXXXXX

Submitted securely over an encrypted connection. Thank you — your personal funding intake has been transmitted to the Magnara underwriting desk.

  • A confirmation email is on its way to the address you provided.
  • A senior member of our team will reach out within 24–72 business hours.
  • You may resume this file at any time using your reference token above.
  • All materials are held under Magnara's strict confidentiality protocols.
Personal funding

Common questions

What is credit stacking?

Credit stacking is a multi-bureau strategy for obtaining several unsecured personal credit lines or loans within a short underwriting window to maximize aggregate available capital. Magnara routes credit-stacking applications to lender partners that specialize in unsecured personal capital and minimize cumulative bureau impact.

How much personal capital can I qualify for?

Soft pre-approval indications can reach $250,000 or more, depending on credit profile, debt-to-income, and bureau coverage. Final amounts are determined by each funding lender after a hard credit pull and documentation review.

Will applying impact my credit score?

The Magnara intake itself uses only a soft pre-approval based on stated information — there is no hard inquiry on your credit during intake. A hard pull is only performed if and when a specific lender advances your file to underwriting, and only with your explicit consent at that point.

How long does the personal-funding process take?

Soft pre-approval is typically returned within 24–72 hours of intake submission. Full funding timelines depend on the partner lender's documentation requirements but commonly range from 5 to 21 business days end-to-end.

What documents do I need to apply?

At intake: government ID, current address, contact information, and stated income / credit-tier inputs. At full underwriting: pay stubs or recent tax returns, bank statements, and authorization for a hard credit pull. Specific lender requirements vary.