Get YOUR High-Limit
Business Credit Lines
This FREE simple-to-follow guide takes you through the step-by-step process on building business credit and accessing high-limit credit lines. You’ll learn how to shortcut the process that usually takes years into a few short months by applying for the right types of business credit at the right time.
OUR PROVEN STRATEGY TO
Build Enduring Business Credit
Our goal is to offer you unparalleled access to business credit with no personal guarantee through our innovative software. This empowers you with the necessary funds to manage your business, facilitate growth, and enhance your company's profitability and efficiency.
Lender-Ready Business Setup
Set up your business so credit issuers want to do business with you.
Initial Vendor Credit Lines
Get started with credit lines that report to D&B, Experian, and Equifax.
Strategic Credit Building
Add other types of credit lines while maintaining a strong payment history.
High-Limit Credit and Capital
Access larger amounts of credit and capital as your business grows.
Business Credit Builder
Get Business Credit for Your EIN
By building business credit, you become more lendable and can access working capital at better rates and terms. And with our easy step-by-step system, you can establish a positive business credit profile and score quickly; obtain vendor, store, fleet, and cash credit in your business name with business credit reporting; and get better rates and terms by becoming more creditworthy to lenders and capital providers.
Business Credit Cards
Grow your business with high-limit business credit cards with rewards.
Cash Flow Management
Improve your cash flow management with business credit lines.
Vendor Credit Lines
Get credit for the services and supplies you need to operate your business.
Service Credit Lines
Get credit lines for the services you frequently use to run your business.
Vehicle Financing
Finance multiple company vehicles with no personal guarantee.
Fleet Credit Lines
Maintain your company vehicles with fleet credit from top providers.
Fuel Credit Lines
Keep your fleet on the road with credit lines for fuel at 100's of locations.
Equipment Credit Lines
Get the equipment you need for your next project with business credit.
OUR EXPERTISE
The Best Way to Get Business Credit
Our cutting-edge Business Finance Suite provides you with a personalized experience to obtain credit and financing for your company. Depending on your membership level, you’ll also receive guidance from our business credit advisory team who will help you with all aspects of building your business credit.
Business Finance Suite Demo
tAKE ADVANTAGE OF
The Benefits of Business Credit!
Self-Funded
Create a business that can fund itself with just an EIN number.
Better Loans
Get better rates and terms on business loans.
Lower Fees
Save on services like insurance and merchant accounts.
Separate Finances
Separate and protect your personal credit and finances.
No PG Accounts
Skip the personal guarantee with many business credit lines.
Flexibility
Hundreds of business credit lines for everything you need.
COMMON QUESTIONS
Frequently Asked Questions
Discover the world of business credit with our FAQs, covering key topics to help you make informed decisions and unlock growth opportunities.
Business credit is a measure of your company's creditworthiness, similar to how personal credit scores assess an individual's creditworthiness. It helps creditors determine your business' ability to repay loans and establishes a baseline for financial trustworthiness.
Business Credit reporting utilizes data collected from Dun & Bradstreet, Experian Commercial, and Equifax Commercial.
Obtaining business credit without linking it to your SSN is possible by using an Employer Identification Number (EIN). This approach offers benefits such as protecting personal credit and separating finances.
To achieve this, follow these steps:
- Establish your business entity and create a Fundability Foundationโข by registering your business, obtaining an EIN, and meeting lender requirements (business address, phone, etc.).
- Gradually build your business credit profile through timely payments, diverse credit accounts, and monitoring your credit report.
- While an SSN may be needed for identity verification, providing a personal guarantee can expand financing options.
By following these steps, you can secure business credit without relying solely on your SSN, thus maintaining financial independence between your personal and business finances.
Getting business credit starts with immediate access to vendor credit.
Within 60-90 days, you can qualify for store credit without personal checks or guarantees.
In 6 months, expect up to $50,000 in usable credit, including Visa and MasterCard accounts.
You can build $100,000-$250,000 or more within a year or two.
With our Business Finance Suite, access additional cash funding programs in just a few months.
Building business credit involves setting up your business credibly to meet lender standards.
Start by obtaining credit from vendors who report to business reporting agencies. Within 60 days, your EIN will have an established credit report and score.
Using this score, apply for more credit tiers, including revolving store credit linked to your EIN, without personal guarantees or credit checks.
Continue building credit to obtain fleet cards, Visa and MasterCard cash credit, increasing your chances of securing loans and credit lines with better terms.
Business credit is accessible to various types of enterprises, including startups, small businesses, and established corporations.
By setting up a credible business entity, meeting lender standards, and building a strong credit profile, companies across diverse industries can benefit from business credit to support their growth, operations, and financial stability.
Using this score, apply for more credit tiers, including revolving store credit linked to your EIN, without personal guarantees or credit checks.
Continue building credit to obtain fleet cards, Visa and MasterCard cash credit, increasing your chances of securing loans and credit lines with better terms.
We provide comprehensive assistance in building business credit through our state-of-the-art software, accessible 24/7, for an efficient credit management experience.
Our expert advisors are available to answer all your questions and offer personalized guidance tailored to your specific business needs.
With the largest selection of vendors and reporting accounts, we ensure diverse options to establish and grow your credit profile.
Our proven process, backed by thousands of satisfied clients, demonstrates our commitment to helping businesses achieve their credit goals.
The three fundamental credit scoring guidelines for business credit include:
PAYDEX Credit Score: Measures a company's payment performance and timeliness.
Financial Stress Credit Score: Assesses the financial stability of a business and its ability to handle stress or potential bankruptcy.
Commercial Credit Score: Evaluates the overall creditworthiness and risk factor associated with a company, considering various aspects of its financial history.
Testimonials
Real results from business owners just like you
Jim followed the step-by-step process in the Business Finance Suite to make his business lender-ready.
Knowing the underwriting guidelines of various vendors allowed him to selectively apply to those that would approve him for business credit with no personal guarantee.
Now Jim feels that he has gained full control of the success of his business.
Chad, with the help of the Business Finance Suite, was able to establish his companyโs corporate credit, expand his business operation, and take his company to the next level.
Now that his business is lender-ready, Chad feels confident that he is well prepared to get business funding in the future when he really needs it.
Robert set out to build business credit independent of his personal credit so that he could have greater peace of mind.
He was able to accomplish this within six months with the help of the Business Finance Suite and credit advisory team.
Robert is eager to share his business credit building experience with his clients and others.