credit to start a business

I went through a company called Capwell Funding to get capital to start a business. It seemed so easy. I have a great credit score, so they said you are accepted to "the program". I gave them my info and I got approved for over 100,000 dollars worth of business credit cards (4 total). Resulting in a 9.9% fee of what I was approved for, that I have to pay this company. Could I have just applied for these business credit cards, all at once, myself and have been approved without Capwell funding? and saved that large fee?? Thank you for any input!!