Business Credit Building
Get Credit for Your EIN that’s Not Linked to Your SSN
To run and build your successful business, you need to qualify for loans and credit lines at the best loan rates possible. Business credit is essential to make this happen, and it helps you access money even when you can’t qualify for a loan.
The Finance Suite Business Credit Builder helps you build your business credit (without a personal guarantee or personal credit check) step by step using a proven, field tested, business owner approved, and highly personalized process. By using our user-friendly & intuitive software and the only full-service business credit adviser team in the industry, you’ll be guided every step of the way, simplifying your experience of obtaining business credit.
Finance Suite Helps You:
Setup your business to meet lender and credit issuer Fundability standards to get automated approvals
Setup and activate your credit profile with Dun & Bradstreet, Experian, and Equifax Commercial and get your free D-U-N-S number (which is essential to building great business credit)
Get initial trade credit to build your business credit reports with no personal guarantee
Get business credit without a personal guarantee
We help you get your business set up the right way to meet lender and credit issuer approval requirements, and get approved for initial business credit that reports and builds your profile with Dun & Bradstreet, Experian, and Equifax Commercial.
You can also monitor your business credit reports and scores in real-time with our Dun & Bradstreet, Business Equifax, and Business Experian monitoring direct integration, powered by Nav.
Once you are set up with the business reporting agencies, we help you access multiple revolving credit with limits of $5,000 – $50,000!
Types of Credit We Help You Access:
Store business credit with many major national retailers
Fleet credit for fuel and auto vehicle repairs for your primary vehicle, and a fleet of commercial vehicles
Cash Access Credit including Visa and MasterCard accounts you can use in most locations worldwide
Auto vehicle financing to purchase or lease your primary vehicle or a fleet of vehicles, in your business name
We provide you the greatest access to real usable, no-personal-guarantee credit through our software — The Business Credit Builder. This gives you the money you need to run your business, expand, and to make your company more profitable and productive so that you have the money you need and the time to enjoy it.
Plus we offer an extensive partner program where you can get the ability to offer business credit and the finance suite to your customers!
Click Below to See the Business Credit Builder!
Get business loans and credit lines Even when banks say “NO”
Our Credit Line Hybrid program is perfect for entrepreneurs who are just starting their business as well as those who are already well established. You can be approved for up to $150,000 in 0%, unsecured, no-doc, business financing with no collateral or cash flow requirements.
This program is designed to help clients get funding based strictly on personal credit quality. Our lenders will not ask for financials, bank statements, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.
This program is as close to a “no-doc” program as you can get with business funding. And the best part is that you can even be approved with introductory rates as low as 0% giving this program the best terms in the country.
Easy Qualification Process
Our Credit Line Hybrid program is extremely popular due in part to how easy it is to get approved. To qualify lenders will look solely at your or your credit partner’s personal credit quality. They are looking for very good personal credit with no derogatory items reporting.
Our lenders will review the credit report to ensure there are no derogatory items on the report. To be approved you shouldn’t have any open collections, late payments, tax liens, judgments, or other types of derogatory items reported.
To qualify you should also have less than 5 inquiries on your credit report within the last 6 months. You should have established credit including open revolving accounts now reported on your credit report with balances below 40% of your limits. And lenders typically want to see personal credit scores of at least 680.
Do You Have Credit Issues Now?
If you have good credit there is a good chance you can be approved for our Credit Line Hybrid. But even if you have personal credit issues now and no established business credit, we still might be able to help.
You can qualify for our Credit Line Hybrid program with a personal guarantor. If you have someone such as a business partner who does have good personal credit, they can apply and qualify for unsecured financing for the business.
Our collateral-based financing programs are perfect for consumers with personal credit challenges. You can get approved with great terms and get approved even with severe credit issues. You can also qualify for financing with us if you have been open more than a year and have active cash flow for your business now.
Our Business Credit Building Program can help you quickly establish a business credit profile and score so you can qualify for unsecured financing based on your business credit. We even work with a powerful network of credit improvement specialists who can help you repair your personal credit damage.
Get Approved with Amazing Terms!
Most lenders charge very high interest rates on unsecured financing due to the risk of the business owner not pledging collateral for security. But most of our exclusive unsecured financing offers very low initial intro interest rates, as low as 0% for the first 6-18 months. Rates typically range from 5%+ after the intro period, the actual rate will depend on risk.
Most unsecured lenders also charge high amounts of points ranging from 12-30%, and they also charge application fees for Credit Line Hybrid financing programs. But our exclusive lenders offer the lowest fees in the industry, ranging from 9-12%, and you only pay them any type of fee if you are approved and have secured your funding. Pay an interest rate of 5-29% after the initial period.
You can get approved for as much as 5 times whatever your highest revolving credit card limit is now.
- 0% interest is common for 6-18 months
- Business credit can also be used to help qualify
- 24-hour pre-approval
- Startup business can qualify
- True NO DOC financing program
- Application to funding in 3 weeks or less
- Typically no application fee
- Credit approvals up to $150,000 per individual
- Multiple signers can be approved
- No collateral requirements
- Credit partners can also apply
- No cash flow requirements