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Business Credit & Funding: Quick Facts
Business Credit & Funding Quick Facts
At Webb Street Financial, we do three things for business owners, we provide access to: business information, business credit, and business funding.
We love entrepreneurs, professionals, start-ups and new and existing businesses. We help to check your business credit, apply for a business credit card, and build and establish your business credit and scores on your business EIN number, NOT on your personal SS number. Your personal credit is not required. The process takes 90 to 180 days, not 18 or 24 months.
What Is Personal Credit?
Personal Credit is credit in a person’s name only! An activated personal credit profile with the consumer credit bureaus like: Equifax, Experian and Trans Union. The scoring system is based on FICO.
What Is Personal Funding?
Personal Funding is funding in a person’s name only! Credit accounts are: cash, trade, store, revolving, bank loans, credit cards, lines of credit and gift, debt or equity investment funding from others.
PERSONAL/CONSUMER CREDIT: This credit is FICO-based; Score Ranges 300-850 (Good 720+)
| Credit Scores Are Based On 5 Factors: | |
|---|---|
| CREDIT PAYMENTS | 35% |
| CREDIT UTILIZATION | 30% |
| CREDIT HISTORY | 15% |
| MIXTURE OF CREDIT | 10% |
| NEW CREDIT | 10% |
What Is Business Credit?
Business Credit is credit in the business name only! An activated business credit profile with the credit bureaus like: Dun & Bradstreet, Experian, and Equifax. The scoring systems are Paydex & Intelliscore
What Is Business Funding?
Business Funding is funding in the business name only! Credit accounts are: cash, trade, store, revolving, bank loans, credit cards, lines of credit and gift, debt or equity investment funding from others.
BUSINESS/CORPORATE CREDIT: This credit is Paydex-based; Score Ranges 0-100 (Good 80+)
| Credit Scores Are Based On 5 Factors: | |
|---|---|
| PAYMENT CREDIT HISTORY | 50% |
| DEROGATORY CREDIT HISTORY | 15% |
| UTILIZATION CREDIT HISTORY | 15% |
| CREDIT PAYMENT TRENDS 10% | 10% |
| CREDIT & COMPANY INFORMATION | 10% |
For More Information, Please Call Us To Schedule A Free Phone Consultation At 1-800-671-1266 Ext. 1
Who Provides Business Credit & Funding
Business Credit building is provided in parts and in a small way by a few organizations; all at variant degrees of service offered and cost; most do not have certified business credit & funding coaches; also, it can be established by the use of a chief legal officer and or a chief financial officer who has the skills.
Business Funding is provided by: banks, credit unions, hedge funds, private equity, asset-based lenders private investors, venture capitalist, and angel investors etc.; none of these have credit & funding advisers; and none of these groups help you to build your business credit profile and scores!
What Is Business Credit & Funding?
Business Credit is credit in the business name only! (An activated business credit profile with the credit bureaus, business credit scores & favor from; partners, vendors, suppliers, customers etc.)
Business Funding is funding in the business name only! (Cash, trade accounts, store accounts, revolving accounts, bank loans, credit cards & lines of credit from other lenders).
When Do You Seek To Build Business Credit & Funding?
Business owners, entrepreneurs, start-ups etc. should start to build business credit as soon as they start their organization. This will give the business instant credibility and access to cash, capital and assets.
Business owners, entrepreneurs, start-ups etc. should start to prepare their organization for financing early or at the start of the business. This will give the business instant access to better rates and terms.
Where Would You Go To Build Business Credit & Secure Funding?
Business Credit should be sought through an organization that has certified coaches & funding advisers, those who know business credit and simultaneously has access to low-cost funding options.
Business Funding should be sought through an organization that has certified advisers, and those who know business funding and simultaneously has access to proven business credit building options.
How Do You Build Business Credit & Secure Funding?
Business Credit Asset & Credibility is achieved with a proven 7-Step Program that takes 3-6 months with Credit Coaches and without a Social Security Number, Personal Credit or Letters of Guarantee.
Business Cash & Credit Funding is achieved through a proven Credit-to-Funding Platform. Programs to secure funding can take a few days to a few weeks. We use a Lender Network of over 2500 sources (Banks, Hedge Funds, Credit Unions, Community Banks, Private Equity & Private Investors).
How Much Does It Cost To Build And Secure Business Credit & Funding?
Business Credit built incorrectly could effectively cost a small business $16,000-$20,000 or more. Business Credit built correctly and access to Business Funding would cost less-than $4,000-$5,000.
Business Funding secured incorrectly and without business credit could cost more than 20% of the amount of the funding request. Business Funding secured correctly and with business credit, the total cost could be less-than 5% of the amount of the funding request.*
*All costs of financial products (loans, lines, credit cards etc.) are finally determined by the actual Lender.
*All costs of financial products (loans, lines, credit cards etc.) are finally determined by the actual Lender. Most rates and costs are at market levels or less, based on risk. Some of our unsecured products start at an introductory rate of 0 percent for six to 18 months.
Why Would You Want Business Credit & Funding?
Business Credit and Business Funding gives a business Leverage!
"When you have business credit, money runs toward you; when you don't have business credit, money runs from you."
-Walter Webb 2014
Why Would You Want Business Credit?
Business Credit is one of the best kept secrets in small business today! Established Business Credit affords you:
#1 Real Business Credit & Business Credibility;
#2 A Real Business Credit Asset and Liability Protection;
#3 Real Business Liability vs. Personal Liability;
#4 Real Business Credit Growth and Scalability!
Why Would You Want Business Funding?
Business Funding is one of the most critical tools for business! Business Funding secured affords you:
#1 Real Business Start-up Cash and Ongoing Working Capital;
#2 Real Business Security and Opportunity;
#3 Real Business Growth and Scalability;
#4 Real Business Wealth and Happiness!
When You Effectively Build A Business Credit, Profile And Scores, Your Business Will Be Positioned To Have:
- Business Credit and Business Credibility: Your business will have business credit to you separate your business/personal credit profiles. Your business will be more credible to others, like lenders and suppliers.
- Business Asset and Business Attention: Your business will have a real transferrable asset separate from you as the owner. Your business will more valuable and attractive to buyers because of your business credit asset.
- Business Leverage and Business Liability: Your business will have greater cash and credit leverage because you will be able to do more with credit than just cash. Your business will be able to separate your personal liability from your business liability because you will be able to allow your business to be liable from business related debts and obligations versus you personally as the business owner.
- Business Growth & Business Scalability: Your business can grow 10X-100X times with business credit than it could with personal credit because business credit is effectively unlimited. Your business will be able to scale nationally or internationally because business credit allows you to automate, systematize, and manage the business with little growth in cost in relationship to unlimited new revenues.
When you effectively build business credit, you gain access to unlimited funding options for your business:
- Business Start-up & Business Working Capital: Your business will gain access a number of trade lines like: vendor, store, credit cards, loans, & credit lines from start-ups to mature businesses. Your business will be able to secure working capital from a variety of funding sources through our business credit and funding network.
- Business Security & Business Opportunities: Your business will gain greater business security; financial and non-financial because you will have access to information, credit and capital. Your business will be able to gain access to countless customer and business opportunities because you will be able to secure needed funds to take action on a myriad of options available to your business.
- Business Growth & Business Scalability: Your business can grow 10X-100X times with business credit than it could with personal credit because business credit is effectively unlimited. Your business will be able to scale nationally or internationally because business credit allows you to automate, systematize, and manage the business with little growth in cost in relationship to unlimited new revenues.
When You Enroll Into Our Business Credit & Funding Program
By Enrolling Into Our Program Your Business Will Receive At A Minimum:
- Business credit profile based on your Employer Identification Number vs. Social Security Number!
- Business credit scores: DNB Paydex Score, Experian Smart Score, and Equifax Business Score!
- Activated free business credit profile (DNB number activation, value $800)!
- Activated free business credit monitoring (Experian, value $600)!
- Activated business credit scores (Paydex, Experian, and Equifax scores)!
- Business vendor credit (Local, regional and national suppliers)!
- Business store credit (Wal-Mart, Target, Apple, Dell, Costco, Sam Club, Lowes, Amazon, etc.)!
- Business revolving credit (Visa, MC, Amex, Discover)!
- Business bank credit (We teach you and help you to get a Low-5 bank rating)!
- Certified Business Credit Coaches (You will have someone to hold your hands through the process)!
- Certified Business Financial Advisors (You will have your very own Financial Advisor for 5 years+)!
- Lower business cost of: leases, rentals, credit cards, loans, lines of credit, supplier terms, etc.
- $50,000 6-12 month Business Credit Guarantee (We will help you to secure $50K+ in total cash/ credit)!
Contact Us Today to Build Credit and to Get Funding for Your Small Business
