BUSINESS CREDIT STEPS

QUICKLY AND EASILY BUILD YOUR BUSINESS CREDIT STEP-BY-STEP

Build Business Credibility

Lenders and credit issuers have secret, unpublished underwriting requirements you must meet to get approved. We help you understand and meet these requirements so you’ll know you can get approved before you even apply.

We assist you with filing for the best entity type to help eliminate your personal liability, setup your business address to meet credit issuer standards so you can get automated approvals, obtaining your business phone, fax, and toll-free number that meets lender’s 5 essential qualification requirements, and getting you listed with 411 saving you $400 annually.

We also assist you in setting up your email address, website, and ensuring you have the proper licenses and online listings that lenders and credit issuers look for, and avoiding restricted industry business names that will automatically get you red flagged and denied for credit and financing.

Credit Suite decodes credit issuer and lender approval requirements, so you’ll be able to get automated approvals when you apply for credit, instead of getting denied or facing an uphill battle with manual underwriting reviews. We do this by providing you these unique benefits in the first step of your business credit building process:

  • 411 Credibility Listing
  • EIN and Entity Setup Assistance
  • Business Name Credibility Check
  • Business Address Creditability Check
  • Business Phone Credibility Check
  • Website and Email Credibility Check
  • Business Bank Account Setup Assistance
  • Help with Merchant Account Setup

We make it easy for you to setup your business credibly so you can get the most amount of credit and financing for your business.

Establish Your Business Credit Reports

Through our finance suite we help you get established with Dun & Bradstreet, Experian, and Equifax Commercial. You’ll get setup with each agency, have your credit profiles activated, and even get your D-U-N-S number with Dun & Bradstreet at no additional cost. This helps you initially establish your business credit, while saving the thousands-of-dollars some reporting agencies charge to do this.

Plus, the Finance Suite is the only place that you can access your Experian Smart Business data at no cost, and monitor it ongoing. This way, you can monitor your business credit building in real time, monitoring your tradelines as they are added to your report.

You can also enjoy our unique credit monitoring integration with Dun & Bradstreet and Experian that’s powered by Nav. This integration gives you ongoing, real-time access to your complete D&B and Experian business credit reports, as well as your business credit scores. Plus, you’ll be able to enjoy additional benefits such as monitoring alerts to notify you as new credit starts to report on your business credit reports. 

Even one derogatory item on your business credit reports can get you denied for loans and credit cards, and even if you do get approved you’ll pay substantially more interest and get approved for less money on loans and credit cards. This is why the finance suite provides you an easy way to dispute and fix inaccurate and harmful information on your business credit reports with Dun & Bradstreet, Experian, and Equifax, so you can have a strong business credit profile and score and be more lendable. 

Credit Suite helps you:

  • Get Setup with D&B, Experian, and Equifax
  • Access Experian Smart Business Data at No Additional Cost
  • Save 90% of Full Credit Monitoring with D&B and Experian
  • Get Exclusive Business Credit Report and Score Training
  • Fix Damaged Business Credit

We help you get setup initially with the business reporting agencies, fix credit inaccuracies, and monitor your business credit as you start to obtain HIGH-limit revolving credit and auto loans.

Get Approved for Initial Business Credit

Getting approved for initial business credit when you have none reporting now, is where most business owners fail building business credit. This is because over 97% of trade vendors don’t report to the business credit reporting agencies.

After you setup your business credibly, we then help you obtain real useable credit with vendors who will give you EIN credit with no personal credit check, even when you have none reporting on your business reports now. These trade vendors provide products and services you use now, and give you credit that helps you ease cash flow constraints.

You can get approved as a startup, with no revenue requirements, and with no collateral required for approval. And, your vendor credit doesn’t require a personal guarantee or a personal credit check for approval.

Plus, this credit reports to Dun & Bradstreet, Experian, and Equifax Commercial helping you establish your initial tradelines, reports, and scores with all three major reporting agencies, that are needed to start getting store, fleet, and cash credit.

If you do have good personal credit and would like to provide a personal guarantee initially, you can take advantage of our Unsecured Business Financing program to jumpstart your business credit building.  With this program, you can secure up to $150,000 in no-doc business financing, with 0% rates.

Our Unsecured Business Financing program offers you cash credit you can secure quickly that reports to the business credit reporting agencies, not on your consumer reports. And, you can get approved even as a startup, with no cash flow or collateral requirements.

Whether you use our vendor accounts to build your initial business credit, or take advantage of our Unsecured Business Financing program, you’ll get your initial business credit profiles and scores established with D&B, Equifax, and Experian, so you can start to secure HIGH-limit revolving credit from stores as well as fleet and cash sources, without a personal guarantee or credit check.

Get Approved for Store Business Credit Accounts

Once you have some initial business credit established, you’ll get access to high-limit, revolving store credit cards through most major retailers without a personal guarantee or personal credit check through your finance suite. 

You’ll be able to obtain credit with places like Amazon, Walmart, Dell, Apple, Costco, Sears, BP, Chevron, Sprint, and most other major retailers with individual credit limits of $10,000-$50,000. Plus, you can see each credit issuer's underwriting guidelines, so you’ll know you can get approved before you even apply.

You’ll also get access to high-limit, revolving fleet credit cards you can use at multiple locations for all types of vehicle needs including vehicle maintenance, tires, fuel, even major repairs. Fleet credit helps you cover your individual auto vehicle expenses, as well as those that occur when managing a fleet of vehicles. 

Plus, you’ll get access to high-limit, revolving CASH credit cards you can use at most stores worldwide. These Visa and MasterCard credit cards don’t require a personal credit check or a personal guarantee for approval, and allow you to take physical cash out of the cards.

And, through your finance suite, you can get approved for auto vehicle financing that doesn’t require a personal credit check or personal guarantee for approval. You can access multiple funding sources, and finance one or more vehicles in your business name with no consumer credit reporting. 

Through our finance suite, you gain access to:

  • Exclusive Starter Vendors
  • HIGH-Limit Store Credit Cards with Most Major Retailers
  • HIGH-Limit Fleet Credit Cards for Auto Maintenance, Fuel, and Repairs
  • HIGH-Limit Cash Credit Cards including Visa and MasterCard
  • Unsecured, No-Doc, 0% Financing with a Personal Guarantee

We help you through the entire business credit building process for obtaining initial vendor accounts to start building business credit, to obtaining high-limit store and fleet credit cards, to getting approved for cash credit and auto vehicle financing, all of which requires no personal credit check or personal guarantee.