Complicated Business Credit Building Methods Not Working For You?
Discover how to get your company's credit identity and business credit ratings established with Dun & Bradstreet, Experian Business and Equifax Small Business all at the click of a button so you can maximize your funding potential.
Meet Corporate Compliance
Our system is comprehensive and will guide you through completing all necessary requirements to ensure that your business is in lending and credit compliance. This is the essential foundation of the business credit building process.
Build Business Credit Ratings
Get set up an establish business credit scores with all three major business credit reporting agencies…Dun & Bradstreet, Experian Business and Equifax Small Business.
Get Maximum Funding
Get private access to our vendor credit lines, fleet credit cards, unsecured business lines of credit, bank loan programs, funding programs and business credit cards that only report to your business credit reports.
Track, update and monitor your progress with our Revolutionary Business Credit Building Platform
Inside you will be able to build strong business credit reports and scores the fastest possible way. Each step of our business credit building system is described in detail and also includes access to a comprehensive set of frequently asked questions.
Over 20+ Compliance Steps Included With Audio Tutorials
No need for guesswork with our complete corporate compliance module
Meet lending compliance quickly and easily. Our step-by-step system will provide you with all the necessary instructions to complete all 20+ items and build strong business credit profiles and scores. Support is via a support ticket system, if you get stuck or have a question simply submit a support ticket and we will respond within 1 business day.
Introducing the Business Credit Building System...
Set Up and Obtain Business Credit in a High Quality Secure Membership Portal
1 - Customized Business Credit Building PlatformYou are provided with your own customized business credit building system that can be rapidly deployed to serve your start-up or existing business. You are in complete control and have the ability to progress as fast or as slow as you wish.
2 - Integrate with Your Startup or Existing BusinessInside your system you learn important details and action steps to take to insure you get the best possible outcome when building business credit.
3 - Track Your Progress with Business Credit Building Task ListsThe system allows you to keep track of your progress each step of the way with task lists. Prior to moving forward onto each segment a task to complete is listed to assist you in staying on track.
4 - Protect Your Personal Credit Reports and FICO® ScoresGet access to unsecured business lines of credit that only report to the business credit agencies. Vendor lines of credit, fleet credit cards and our bundled business credit cards are ideal for protecting your personal credit reports and scores.
5 - Maximize Your Funding PotentialYou will have the opportunity to apply for a variety of funding programs if you qualify. If you do not qualify for a particular program, we will show you the basic requirements needed to be eligible to apply.
Your Business Has Unlimited Funding Potential With Our Database Of Credit Sources
Select from our database of hundreds of suppliers, creditors, lenders and banks
There are over 500,000 vendors extending credit, but less than 6,000 report to the business credit agencies. Additionally, there are over 500 business credit cards in the U.S., but less than 70 of them report solely to the business credit agencies. Once you have access you will be able to see what each vendor and business credit card requires for approval and which business credit agency they report to.
1 - Foundation
Banks and lenders will require to see that your business is in lending compliance. Our system will guide you through the 20+ item foundation for building strong business credit scores.
Each step of the system will provide you with all the necessary instruction to complete all items required to meet compliance in order for your business to be 'credit ready'. You can go back and access all the steps to review and update any information.
2 - Business Credit Analysis
We address the major components that make-up the credit and financing potential of your business and see what funding programs might be available to you and offer alternative solutions.
By improving and maximizing your personal and business credit scores, you will make much more capital (cash) and resources available to your business at better rates, terms and pricing. You will have the opportunity to apply for a variety of funding programs if you qualify. If you do not qualify for a particular program, we will show you steps to take in order to become eligible.
3 - Business Credit Reporting Agencies
We address your business credit files with all three major business credit agencies; Dun & Bradstreet, Experian Business and Equifax Small Business. Depending on your current status, this includes establishing new file(s) or making sure existing files are accurate.
We wipe away any confusion concerning the Business Credit Reporting Agencies. Along with being able to access all three of your business credit reports, you will have a much clearer understanding of the business credit reporting process, including how your business credit scores are developed.
4 - Vendor Lines of Credit
Search our highly researched database of reporting vendors. Once you have access, you will be able to see what each vendor requires for approval and which business credit agency it reports to.
Optimizing business credit requires that your company acquire vendor lines of credit. A vendor line of credit is when a company (vendor) extends a line of credit to your business on "Net 15, 30, 60 or 90" day terms. This means that you can purchase their products or services up to a maximum dollar amount and you have 15, 30, 60 or 90 days to pay the bill in full.
5 - Business Lines of Credit
Search our highly researched database of reporting business credit cards with and without a personal guarantor. Once you have access, you will be able to see what each card requires for approval and which business credit agency it reports to.
A revolving business line of credit account is one that allows you to pay a "minimum due" per month and not the full outstanding balance. These accounts normally report to Experian Business and sometimes to D&B and Equifax Small Business. Because of how they report, these accounts will help build your business credit on a larger scale than just the Net 30 day vendors alone.
6 - Funding Programs
You will have the opportunity to apply for a variety of unique funding programs if you qualify. If you do not qualify for a specific program we offer, we show you how to meet the requirements needed to be eligible to apply.
All business funding applications are first delivered to your funding analyst for review and pre-approval before full submission to underwriting. Remember, doing all the work to build strong business credit scores has a major goal, and that of course is to receive much more funding.
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Frequently Asked Questions & Answers
How long does the business credit building process take? You will receive a user name and password via email to use when accessing your business credit building system. It takes approximately 60-180 days to build a favorable profile with all three major business credit reporting agencies. With our step-by-step system what normally takes years to accomplish you can do in a matter of months. With strong business credit scores you can obtain 10 to 100 time’s greater credit capacity compared to relying on personal credit alone.
What type of vendors and retail credit sources will be available once I have access? Our database contains numerous vendors and retailers that will offer lines or credit to all our members whether they are a start-up or existing business. Most importantly we provide the guidelines for getting approved and disclose which business credit reporting agency each vendor and retailer reports to. Some of the types of vendors we list are office suppliers, packaging and shipping, graphic and logo design, web design, computers and electronics, printing and promotional, marketing and advertising, business services, etc.
Can I obtain business credit without supplying a personal guarantee? Yes, our database lists unsecured lines of credit you can obtain with no personal guarantor which in most cases will be in the form of vendor credit such as fleet cards, office supply cards, gas cards, etc. Unsecured business cash lines of credit in the form of business credit cards require a personal guarantor but the high limit cards we issue only report to the business credit agencies.
Does time in business affect my business credit profile? Your time in business does not impact your business credit profile. However, if your business is less than 2 years old it can make it difficult to get a small business loan. A strong business credit profile shows a history of your company’s ability to use credit and manage debt responsibly.
Do I need a business entity to build business credit? It is ideal to build business credit with an LLC or Corporation (S or C Corp). Creditors, lenders, trade suppliers, etc. prefer to see an actual business entity. Furthermore, your personal and business credit can never truly be separated if you operate as a sole proprietorship or partnership – everything you do remains “personal” with those structures. True personal and business credit separation along with liability protection can only occur with a separate legal entity such as a corporation or LLC.
Can I get business credit even if I have bad personal credit? Absolutely! We know that one of the main reasons you are building business credit is to get away from having all of the business financing tied personally to you as a business owner .By building strong business credit scores you will be able to secure vendor lines of credit and many other types of business financing using only your business credit. However, beyond that, there is still more to the equation that many business credit building services don’t want to talk about. In the business world, an owner’s personal credit scores can make the difference. That is why we have a personal credit restoration service built right within the system. The fact is in the current lending and credit markets, banks and conventional business lenders are looking at both personal and business credit.