From credit repair
to raising capital —
your summit, our stone.

• 01 What does Summit Stone Capital Partners do?

  Summit Stone Capital Partners is a Texas-based consulting firm that helps individuals and businesses repair their credit and raise capital. We provide credit dispute and restoration services, credit-building programs, business funding preparation, and one-on-one financial consulting. We work with clients across the Dallas–Fort Worth Metroplex and statewide Texas.
• 02 How does credit repair work at Summit Stone?

  Our credit repair process begins with a complimentary discovery consultation to review your credit profile, goals, and timeline. We then create a written strategy tailored to your situation, execute disputes and validations on your behalf with monthly progress reporting, and once your profile is positioned for approval, we connect you with the right lenders for funding. The process is fully transparent and FCRA-compliant.
• 03 How long does credit repair take?

  Most clients begin seeing measurable improvements within 30 to 90 days, though the full timeline depends on the complexity of your credit file and the specific items being disputed. We provide monthly progress reports so you always know where things stand. We don't promise overnight results — we promise disciplined, measurable work.
• 04 How can Summit Stone help me raise capital?

  We help you raise capital by first preparing your financial profile and documentation, then matching you with appropriate lenders and walking you through the approval process. We work with traditional bank loans, SBA loans, lines of credit, and alternative funding options. Better credit unlocks better terms, which is why we often pair credit repair with funding preparation.
• 05 Is Summit Stone Capital Partners legitimate?

  Yes. Summit Stone Capital Partners is a legitimate credit services organization operating in compliance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). We are headquartered in Lewisville, Texas, with six years of practice, and we provide written agreements, transparent reporting, and the federally-mandated right to cancel.
• 06 How much does credit repair or business funding consulting cost?

  Pricing varies based on the scope of the engagement and the services you need. We offer a complimentary initial consultation where we review your situation and provide a clear, written quote — no surprises, no obligation. Call (469) 799-4800 or use the contact form below to schedule.
• 07 What areas does Summit Stone Capital Partners serve?

  We're headquartered in Lewisville, Texas, and serve clients across the Dallas–Fort Worth Metroplex including Dallas, Fort Worth, Plano, Frisco, Arlington, and surrounding areas. We also work with clients statewide across Texas via phone and video consultation.
• 08 Do I need good credit to get business funding?

  Not necessarily — but better credit unlocks better terms. That's why we often pair credit repair with funding preparation: improving your profile first means you can access capital at better rates with more favorable terms. We'll evaluate your situation and recommend the right sequence during your free consultation.
• 09 What kinds of home loans does Summit Stone offer?

  We help clients access three main types of home financing: Home Remodeling Loans for kitchen, bath, whole-home renovations, additions, and ADUs with draw-based funding; Home Refinance including rate-and-term refinance, cash-out refinance, and FHA, VA, and conventional programs; and Home Investment Loans for real estate investors, including fix-and-flip loans, DSCR loans qualified on rental income, portfolio loans, and bridge financing. We shop multiple lenders to find the best terms for your situation.
• 10 What is a DSCR loan and who qualifies?

  A DSCR (Debt Service Coverage Ratio) loan qualifies the borrower based on the rental income of the investment property rather than personal income. This makes it a strong option for real estate investors who may have complex tax returns or want to scale a portfolio quickly. Typically the property's rental cash flow must cover the mortgage payment, and most programs require a minimum DSCR of 1.0 to 1.25. Summit Stone connects you with the right lender based on your property type and target ratio.
• 11 Can Summit Stone help me with fix-and-flip financing?

  Yes. We work with lenders who specialize in fast-close fix-and-flip loans for real estate investors. These loans typically cover both the purchase price and renovation costs, close in as few as 7-14 days, and are underwritten primarily on the property and the deal rather than personal income. We'll help you compare terms, understand draw schedules, and choose the right lender for your project.

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