CapitalStackOS Credit Stacking

Anima Core, Inc.

About this app

CapitalStackOS: Business Funding, Engineered Around You.

CapitalStackOS is Anima Core's guided funding app, free for anyone to download. Start free: run your estimate and cure plan at no cost for as long as it takes. Membership unlocks guided rounds when you're ready, with real advisors at the moments that matter.

START FREE
Before you pay anything, run the free estimate right inside the app. Create your free account, upload your own credit reports, and your estimate comes back in three views: what may be possible now, what opens after improvements, and where a seasoned file can take you. Every figure is modeled from your own credit file and labeled by stage. Estimates are not financing offers, and nothing is promised.

The free readiness plan comes next, and it carries the whole cure: foundation checks, paydown targets by card, statement timing, and guidance for addressing genuinely incorrect report items, with letter templates you review, print, and mail yourself. Cappy answers your questions, and your Today card always shows the next step. All of it is free, for as long as the cure takes. Every paydown dollar goes to your own balances, not to us.

GUIDED STACKING, ONE CLEAR NEXT STEP
Membership runs the guided rounds. Before your first application, the platform builds your strategy around your exact situation: which cards, in which order, off which bureau, what to request, and when to stop. You apply yourself, every time, in your own name. The app never applies for you and never holds your logins. As you record each outcome, your plan adapts.

INSIDE THE APP
• Today: the one next step on your plan, in plain language
• Roadmap: your full journey in six stages, from assessment through Cure & Optimize, guided rounds, and seasoning
• Guided Rounds: your card sequence once the gates open, with pacing and every outcome recorded
• Capital: the ledger tracking what you've banked
• Document vault: the reports and files your applications need
• Reminders: payment due dates, limit-increase windows, promo end dates, and round actions
• Help and Cappy: ask Cappy, your in-app guide, for an instant answer

REAL ADVISORS AT THE MOMENTS THAT MATTER
Guided members get live onboarding to start, a live session in every guided round, and milestone reviews.

CHOOSE HOW YOU RUN YOUR ROUNDS
When your file is ready, you choose how to run your rounds. Guided membership is $4,000 for 12 months: real advisors at onboarding, in every round, and at each milestone, your full roadmap, and a written guarantee. Self-Guided is $99 a month: the same stacking engine walks you through it one step at a time in Today, with Cappy, our AI assistant, answering from your own file. There's no advisor and no guarantee on Self-Guided, and you can cancel anytime. The estimate and the full cure stay free on every plan, for as long as they take.

THE GUARANTEE
Up to 10x minimum return on investment, or your money back. Your free estimate sets your tier before you pay, keyed to the seasoned view. If you complete every step of your guided plan and fall short of your tier's minimum at month 12, you choose: continued support at no charge until the minimum is reached, or a full refund. The guarantee covers the full guided path for members who follow their plan as directed. It is not a promise of any bank's approval decision.

IMPORTANT INFORMATION
CapitalStackOS is software and guidance. Anima Core is not a lender and doesn't issue credit or guarantee approvals, limits, or funding amounts. Eligibility and terms are set by each financial institution. Certain features require a paid membership.

CapitalStackOS is developed by Anima Core, Inc., with advisory support provided by Break Bread Lending.

What’s new

Initial release of CapitalStackOS, your advisor-backed credit stacking program. Run your free estimate, work your cure plan with free guidance, then start guided rounds with real advisors at the moments that matter.