Frequently Asked Questions

Got Questions? Look Here

In a nutshell, how do I get business credit that's not linked to my SSN?

Just like how consumer credit is linked to your SSN, your business credit is linked to your EIN. This means when applying for business credit, it's usually not required to include your SSN.

Once you properly establish your business entity and Fundability Foundation™, you start off building your business credit profile with smaller vendor accounts.

As your business pays those retailers you will then qualify for revolving store credit cards, and then cash credit you can use anywhere, just like a normal personal credit card.

Keep in mind that because of federal regulation you will still need to supply a SSN for identity verification purposes. Also providing a personal guarantee can open up even more financing options. 

How long does it take for me to get Business Credit?

You can qualify for real usable vendor credit immediately. You’ll then start to qualify for store credit within 60-90 days that doesn’t require a personal credit check or personal guarantee. Within 6 months you should have access to $50,000 in real usable credit, including Visa and MasterCard accounts.

You can then continue to build $100,000-$250,000 or higher in business credit within a year to two. And with our Business Finance Suite you (and your clients*) can also gain access to other cash funding programs within a couple of months or less.

* Applies if you’re a partner with us to offer our services to others

What exactly is the Finance Suite? What does it do?

The Business Finance Suite includes the Business Credit Builder Program which is an online platform specifically engineered to walk you through a customized step-by-step process on how to build your business credit - from start to finish. In other words, this program is tailored to YOUR specific situation, which makes your process to getting funds very simple and intuitive.

As you go through the program, you'll be able to know in real-time, which lending and credit sources you're pre-qualified or pre-approved for so you have the confidence that you'll be approved before you even apply!

In addition, you'll have concierge service from our business credit advisers and finance officers to assist you at any given stage. Between our revolutionary online platform and our LIVE expert team at your fingertips, you're guaranteed to get results - as long as you actually use the program.

What does the Finance Suite help me do that I can't on my own?

It's true that between all of our free guides, articles, videos and seminars, you have enough knowledge to go get business credit all on your own. It's also true that we don't hold anything back in our sharing of knowledge because at the core of our company, we want to help as many business owners (and those aspiring-to-be) as possible to have a n equal opportunity to succeed and thrive.

With that being said, there still are services you will have to pay for such as 411 listings, business credit monitoring, and a business credit builder so that you're reporting to the right agencies (costing over $3000), not to mention, you'll still have to go out and find vendors and lenders. There are also lots of limitations going this way.

The difference with us is that we have already established countless partnerships and affiliations, which allows us to fully leverage the power of our entire company and client-base for each individual client. Essentially, you get to leverage our company for your benefit. Since we do multi-millions of dollars in deals, our sources give us the highest limits, lowest rates, and longest terms.

And due to our established credibility in the business credit and financing industry, it's easy for us to expand and constantly add even more funding sources and options, which YOU benefit from. That’s how we have the largest supply of vendors and credit issuers than anywhere else.

In short, if you were to try and get business credit and financing on your own or somewhere else, you'll pay MUCH more than what we ask, and it would take a lot longer. We have this entire process dialed in so that you can get the most amount of funds, in the shortest amount of time, and at the lowest rates possible.

To get a better picture of how it all works, we recommend watching the Finance Suite Walkthrough Video Here.

For those who are interested, you can also earn an income offering our business credit and financing services to others. Find out more here.

Is this complicated? Can I really do this?

When our company first started, there was not a lot of information on the topic of obtaining Business Credit, especially not one that’s not linked to an SSN. Over the years, we have fine-tuned and upgraded our instructions and the Finance Suite so that it is as easy to follow as possible.

Every step of the Finance Suite includes simple education videos and direct resource links so that your business credit building journey is a 'no-brainer'. In the rare occasions that you need help, you have our business credit advisers and finance officers to help!

So as long as you're committed to follow our instructions and are serious about the success of your business, then yes, you really can do this -- even if you're technically challenged. With that being said, it's important to understand that we do NOT build your business credit FOR you. We help you through simple step-by-step instructions and education. Essentially, follow our instructions and get results.

Is this actually legal? How can I trust you?

A business having its own credit is as real as an individual having their own credit. If you have any questions or concerns with the legitimacy of business credit, check out this link to see what SBA, Experian, Inc, NASDAQ, and other industry leaders have to say.

We have 0 lifetime complaints with the BBB and all other entities, and the few other companies that offer business credit have MANY complaints. Feel free to see our "A" BBB rating, 5-Star Trust Pilot reviews, actual results & approvals, testimonials, and more by clicking here

Great! How do I get started?

If you're ready to get started with our program, you can check out our package options here.

You can also watch Finance Suite Walkthrough video below

If you want to speak with a Live Consultant to answer any questions you may have you can schedule an appointment here or call (877) 600-2487.

If you have a simple question, you can also send a private message to our Facebook Fan Page here and we’ll usually answer you within 1 business day.

Can I become a partner to offer your services to others?


Our VIP and Ultimate programs are for when you want to build business credit and get financing for your business AND offer those services to customers. We provide you with a turn-key system for you to get business credit and financing for your business, and also be able to sell it to your clients. This system, known as the Business Finance Suite, gets money both for you and your business owner clients.

Once you enroll, you become a licensed partner and can then offer your own white-labeled finance suite to clients for whatever price you choose. You receive all the marketing materials you will want to promote business credit and financing, and you'll also receive extensive training resources.

Once you go through a couple hours of video training you will be able to present the finance suite opportunity to clients, accept their payment, and they can then login to their finance suite to get financing and/or start building their business credit.

Once they login, our certified business advisors contact your clients and help them through the funding and business credit building process so you won’t need to.

In a nutshell, you simply make the sale, earn high profits, and the rest is handled for you so there is no back-end to manage. How does that sound?

To get the details, watch the partner walkthrough video here and also check out the pricing page here.

How does all this really work?

We offer 3 main packages. Our Core program is for you to get business credit and financing for your business.

Our VIP and Ultimate programs are for when you want to build business credit and get financing for your business AND offer those services to customers. We provide you with a turn-key system for you to get business credit and financing for your business, and also be able to sell to your clients. This system, known as the Business Finance Suite, gets money for you and your business owner clients, helping build business credit for your business.

Once you enroll, you become a licensed partner and can then offer your own white-labeled finance suite to clients for whatever price you choose. You receive all the marketing materials you will want to promote business credit and financing, and you'll also receive extensive training resources.

Once you go through a couple hours of video training you will be able to present the finance suite opportunity to clients, accept their payment, and then they can login to their finance suite to get money and start building their business credit.

Once they login our certified business advisors contact your clients and help them through the funding and business credit building process so you won’t need to.

So you simply make the sale and earn high profits, and the rest is handled for you so there is no back-end to manage.

Does business credit even really exist?

Just as you have a credit file linked to your SSN, your business has a profile linked to its EIN. Experian, Equifax, and Dun & Bradstreet often start your profile when your business applies for a loan, credit card, or even when you setup basic utilities.

From that point most credit yo u apply for won’t report to the business reporting agencies unless you apply for different types of credit in a particular order, or leave your SSN off of the application.

Real business credit can be obtained with no SSN being supplied upon application. This credit doesn’t appear on your personal credit reports either. As you build your business credit your EIN profile and score then becomes essential to helping you qualify for bank loans and credit cards. And you can use EIN credit and EIN credit alone to get approved for many types of credit without a personal guarantee.

Every highly-successful privately and publicly owned company in the United States has business credit. But what many don’t know is that even startups can also obtain it… if you follow the right steps.

How does building business credit really work?

The first step is to ensure your business is setup credibly so you meet credit issuer and lender standards, before you apply. Next you get real useable credit through vendors. These vendors will give you credit when you have no other EIN credit established. And they report this credit to the business reporting agencies.

Within 60 days or less that credit is reported to Experian, Equifax, or Dun & Bradstreet. Once reported, your EIN will then have an established credit report and score.

Using that report and score you can then continue to apply for more tiers of credit where you can start getting access to revolving credit at most stores, credit that’s linked to your EIN and not your SSN and credit that doesn’t require a personal guarantee or personal credit check for approval.

You can continue to grow your credit to obtain fleet cards, even Visa and MasterCard cash credit. And by having business credit established you’ll have a much better chance of getting loans, credit lines, and get these at better terms.

Do we need any special licensing to sell business credit?

You do not need any licensing to sell the funding suite as you are truly selling software. There are no additional state, or Federal requirements or restrictions for selling business credit. This means you do not need any special licensing or bonding to sell business credit.

What are the enrollment charges and what do they cover?

Your enrollment costs vary. If you enroll in our Core program you are getting access to your own Finance Suite where you can get business credit and financing for your business, along with our advisor and Finance Officer support.

Our VIP program gives you all of the benefits of our Core program, and the ability to offer business credit and financing as a service. You are also supplied with all of the marketing and training you’ll need to run your own business credit and financing business.

Our Ultimate program provides you all of the benefits of our Core and VIP combined. Plus, we setup your marketing for you, as well as supply you with a sales funnel that we also setup for you.

How much money can I make with each sale if I want to sell the finance suite?

You can price your funding suite for whatever you would like. O ur clients are currently selling the system for $2,500-3,500 on average. You’ll invest $500-$700 per suite you sell on the wholesale side. That pays for the finance suite, the advising team, and full access for your customers to our finance programs and team. This means you can typically earn $2,000- 3,000 in profit per sale.

Please check out our Earnings Disclaimer for additional details.

How fast can I start making money with this?

The minute you enroll you receive access to all your training and marketing materials. There are only about 2 hours of initial training videos you will want to watch to be ready to start selling. There is another 100+ hours of training available that you can review at your leisure.

What makes this system so different than other business credit building programs?

This is the only system in the world which successfully combines both business credit building and funding. This means clients can build their business credit and get money right away, if they have good credit or collateral they can secure money in less than 30 days.

The suite is also the only system that shows business owners how to get free access to Experian Smart Business, and we help you get your D-U-N-S number with D&B, and list your phone number with 411 for free. This alone saves you thousands.

The finance suite has more lending sources, revolving business credit accounts, and starter vendor accounts than any other system on the market today. And the finance suite is the only system with one-click access to business credibility sources, underwriting guidelines provided for all business credit sources, and by far is the most advanced business credit building technology available today.

How much money can my clients really get through the system?

Clients can be approved for millions-of-dollars in funding through the system if they have equivalent collateral or financials.

Even businesses new startup businesses with no collateral can obtain up to $150,000, not even including the vast amount of business credit that can be obtained. While businesses with collateral or cash flow can secure hundreds-of-thousands of dollars to millions-of-dollars depending on the value of the collateral.

Can people with bad credit get money through the finance suite?

Building business credit correctly means there is rarely a credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit with the finance suite by building their business credit.

If the business owner has credit challenges and also has some kind of collateral, they can also get funding along with business credit.

Funding can be secured in as little as 30-60 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, even consistent revenue.

And we have revenue-based funding programs where if a business owner can prove through bank statements that they have consistent revenue, they can be app roved with a credit score as low as 500.

Is this white label, where my clients only see my name?

Yes, the finance suite is a white label system. This means all marketing materials are designed to come from you, with no mention of us whatsoever. The finance suite itself has your logo, and the advisors and finance officers introduce themselves as Business Finance Suite team members.

So the whole system is white label where customers will see only your logo and name, no mention of us, you are a licensed partner of the Business Finance Suite.

Is this business credit repair or building?

There is no formal process of fixing business credit as there is no FCRA or FACTA laws that deal with business credit reporting. Still, our advisors will help business owners dispute any discrepancies on their business report as part of the program, and they'll have access to a section where they can go through the business credit dispute process. We even have a step dedicated to fixing errors on business credit reports as part of the finance suite.

But the main function of the finance suite is to help you and your customers build business credit, as well as get money.

How easy is business credit to advertise?

There is no shortage of people who want money for their business. Because so many people want money you will find that business credit and funding is extremely easy to advertise and get massive response.

Many clients find they can easily advertise for business credit, then also sell their other services to the customers who call.

Due to how easy it is to advertise, business credit has proven to be successful in most media advertisings. Our clients have had success selling business credit through seminars, webinars, pay-per-click advertising, social media advertising, network marketing events, cold-calling leads, radio, and more.

Business credit and funding is very easy to advertise, even helping you promote your other services.

Is business credit or will it be a regulated industry?

Currently there is no specific regulation related to the business credit industry specifically, and the industry has been around for quite a long time. The business credit reporting agencies including Dun & Street actually sell business credit themselves. With the bureaus are proponents for the industry and lack of regulation so far, we don’t foresee any near future industry specific additional regulation to come.

How long will it take for me to make my first sale and make money?

There is less than 2 hours of essential training materials you will want to review before you make your first sale. After that, you are ready to start making money. We even give you contacts to merchant account providers, and sample contracts so you have all you need to make money quickly.

After a couple of hours of training you can then make your first sale and collect your first payment. It only takes about 4 minutes to then activate the clients finance suite so they can login.

Many of our clients make their first sale and get paid within their first month of starting to offer business credit. The system is ready for you to sell. The actions you take and how fast you start offering it are the true determining factors in how quickly you make your first sale.

What type of training do I receive?

When you enroll you get a congratulations email with login instructions to yourself paced training in our state-of-the art online Business Credit Back Office, your official training center. Once you login you will find about 2 hours of essential training laid out in a step-by-step format that you will want to review before you start selling.

Every Tuesday at 3:00pm ET we host a webinar for business credit training that you will be invited to. Those webinars are also recorded and available for playback in customer hub. There is over 100 hours of additional training you can access.

You will also receive emails every 3 days, and can talk with your assigned coach for any other assistance or contact our support team.

Can I charge upfront?

Yes, with business credit and funding you can charge upfront. There is no regulation that prohibits this. It is actually very common in the funding space for companies to charge upfront.

This is one benefit our clients love about business credit, you they can make thousands of dollars right away, legally, while providing great value to your clients.

How do I advertise business credit?

Our clients have found great success with many different forms of media. Some medias they have found successful including seminars, webinars, pay-per-click, radio, cold calling, network marketing, social media, TV, and more.

As part of your training we map out in details how to best advertise in each channel. We even have actual partners on our coaching calls mapping out how they are finding their success so you an duplicate their actions.


We are passionate about helping our clients secure business credit and financing, and offering both as a service. Of course, we’re going to have great things to say about our company because we think what we do and how we do it is pretty awesome. What really matters is what our clients have to say, so click below to hear from some of our customers who we live to serve.

Brian Howard

Marietta GA

"I feel like I have the upper hand. I can actually see what suppliers, trade vendors, and credit issuers see, which allows me

Stuart Baldwin

American Capital LLC
Elmira NY

We’re in a low cost area of upstate New York, you could say affordable area of upstate New York. We own a

Kamillah Elamin

MainStax Business Solutions
Minneapolis MN

I watched every single one of these videos and I googled him to death. A couple of different ways just tr

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