BUSINESS CREDIT BUILDER PROGRAM
"Unlock the hidden path to maximize funding for your business!"
Key Benefits:
Understand & Improve Fundability
Establish & Utilize Business Credit
Access Business loans & Credit Lines
Build your business credit in 4 steps with guidance from our expert advisors!
Fundable Foundation
Start your business credit journey with confidence.
We know the lenders' hidden criteria for funding and we'll guide you through understanding and meeting each item! We will also help you:
- Choose the right business entity for protection.
- Set up a credit-friendly business address and phone number.
- Save on listing costs with 411 registration and internet listing visibility.
- Navigate business bank account setup.
- Set up your corporate domain, email and website.
- Avoid the red flags that lenders look out for.
We truly simplify your path to business credibility and maximize your financing opportunities with our Business Credit Finance Suite!
Business Credit Reports
With our Business Credit Builder, we assist you in activating your business with the major business credit reporting agencies (BCRAs) and accessing your complimentary D-U-N-S number to help maximize funding opportunities!
Here's how the program supports you:
- Establish profiles with the major BCRAs.
- Gain exclusive training on business credit reports and scores.
- Monitor your information through your dashboard.
Even one negative item on your business credit reports can lead to loan or credit card denials. Our program offers a straightforward solution to dispute and correct any inaccuracies across D&B, Experian, and Equifax, helping you build a robust business credit profile and score.
We guide you through initial setup, assist in correcting inaccuracies, and monitor your progress, enabling you to secure high-limit credit and loans with favorable terms.
Initial Business Credit
Securing initial business credit can be tough, especially since most trade vendors don't report to credit agencies. Our Business Credit Builder program helps you obtain usable EIN credit from vendors without a personal guarantee, even if you lack personal credit!
Key benefits:
- Approval for startups.
- No cash-flow or bank statement requirements.
- Unsecured credit with no collateral.
- Approval without personal guarantees.
Your new credit will report to Dun & Bradstreet, Experian, and Equifax Commercial, establishing tradelines and scores with all major agencies. This positions you to secure store, fleet, and cash credit.
If you have good personal credit, you may qualify for our Credit Line Hybrid Program, offering:- Unsecured cash credit lines up to $150,000
- 0% interest rates for 6-18 months
- No-documentation approvals, even for startups
Revolving Credit
Once your initial business credit is established, access high-limit revolving credit cards in your business name linked to your EIN, no personal guarantee needed.
Our Business Credit Builder helps you obtain:
- Credit from places like Amazon, Dell, Apple, BP, and Chevron, with credit limits of $10,000-$50,000. Check each issuer's guidelines for pre-approval before applying.
- High-limit, revolving fleet credit cards for vehicle expenses, covering maintenance, fuel, and repairs for both individual and fleet vehicles.
- High-limit, revolving cash credit cards from Visa and MasterCard, no personal guarantee required.
- Auto financing in your business name, no personal guarantee needed. Access multiple funding sources for one or more vehicles with no consumer credit reporting.
We guide you through the entire business credit building process, from initial vendor accounts to high-limit store and fleet credit cards, cash credit, and auto financing, all without a personal guarantee!
We'll assist you with securing credit lines with limits ranging from...
$5,000 to $150,000!
Watch the Business Credit Finance Suite walkthrough
With our intuitive software and dedicated full-service business credit adviser team, we streamline the process of securing business credit, guiding you effortlessly at every step.
What's included in our program?
PRODUCT/SERVICE FEATURE | VALUE |
---|---|
Business Credit Finance Suite | $2,500 |
Business Credit Education & Restoration | $2,500 |
Personal Business Coaching & Advisement | $2,400 |
Access to Lending Sources in Specific Tiers | $2,000 |
myNovaeDisputes Manager (12 months) | $800 |
Experian Smart Business Monitoring data | $600 |
Personal Debt & Budgeting Software | $240 |
THE TRUE VALUE OF THIS SYSTEM | $11,040 |
The Success of Your Business | PRICELESS! |
Got Questions?
Speak with a business credit expert
Don’t need everything included above?
D.I.Y. Business Credit Finance Suite
$995 one-time
Included with your D.I.Y. Program purchase:
- Business Credit Builder D.I.Y.
- Personal Credit D.I.Y. Kit
- Access to ALL of the same Business Credit Tiers and information
- Funding Specialist Team
Testimonials
What our clients are saying about the Business Credit Builder program
- Michelle
- Edward A.
- Curtis H.
Frequently Asked Questions
A personal guarantee is an individual’s legal promise to repay credit issued to a business where they are an owner, executive, or a partner.
With business credit agreements, giving a personal guarantee essentially makes you a co-signer on the business credit account. You will remain liable for any debts the business incurs. You have given a “personal guarantee” that you will be responsible for the debt.
In practice, this means that your personal credit will undergo a hard inquiry, since you are putting your Social Security number on the credit application. With enough hard inquiries, your personal credit score will be adversely affected.
You may be wondering: do business credit inquiries hurt my credit? Unlike with personal credit, anyone can pull your business credit reports. This does result in inquiries.
However, unlike with personal credit, business credit inquiries don't negatively affect your Fundability or business credit scores with each business credit bureau.
Business credit tiers are actually Credit Suite terminology. Our business credit advisors continually check and recheck vendors and other credit and business financing issuers. There are differences in terms of how easy or difficult it is to be accepted for credit, and what you may need to provide to qualify.
For example, business credit tier 1 is vendor credit, where you need very little to get started. You can qualify with few payment experiences on your business credit reports. You may be able to qualify with a short time in business, such as six months. Or you may be able to get around certain more stringent requirements by offering a personal guarantee or making a deposit to secure the credit.
And to get to business credit tier 2, you will need to have at least three trade accounts reporting to the business credit bureaus.
When a lending institution has more than just your personal credit scores to look at, they will review any other information which they believe will better answer their one big question: will you pay them back?
Because it’s possible to have good business credit with bad credit on the personal side. But if your business credit is good enough for a lender, they will weigh it more heavily in their decision.
Lending institutions will let your business credit guide them as they pull your business credit reports and look for a few things.
- Do you pay your bills on time?
- Are there a lot of negative/derogatory items on your credit reports, such as lawsuits or liens?
- How long have you been in business?
- Is the business credible?
- Does the information on the business credit report match the information received on the application?
If the answers to these questions satisfy the lending institution, then you’re more likely to get a loan, although it will not necessarily be for exactly the amount you were originally seeking.
We will help you BUILD and ESTABLISH Business Credit so you can qualify for Business Funding in your Business’ Name, SEPARATE from your Personal Credit!
We will help you BUILD and ESTABLISH Business Credit so you can qualify for Business Funding in your Business’ Name, SEPARATE from your Personal Credit!