What Is It?

CREDIT: Business credit is credit in the business name and based on the EIN # only!
FUNDING: Business funding is funding in the business name and based on the EIN # only!

How Does It Work?

CREDIT: Business credit & credibility is achieved through a proven seven-step process that takes 3-6 months with certified credit coaches.
FUNDING: Business access & funding is achieved through a proven credit to funding platform that takes days to weeks through the help of certified financial advisers.


  1.  Dun and Bradstreet is the biggest and major business credit reporting agency
  2. Many business owners put their personal credit, funds, and guarantee on the line to try to finance their vision and dream.
  3. The main credit score used in the business world is known as a Paydex score provided by Dun and Bradstreet.
  4. One of the best and smartest ways to obtain the equipment you need for your business is to use Equipment Financing.
  5. Over 90% of trade-credit is not reported to the business reporting agencies.
  6. Even if you have accounts with vendors they must report your account to the business bureaus for you to establish a business credit profile
  7. Through our credit & funding suite you can access credit cards and credit lines for your business for $50,000 or more without supplying financials.
  8. Information about trade credit transactions is gathered by the business credit bureaus to create your business credit report.
  9. You CAN finance your business dreams and vision using only your business to qualify, not your personal credit or guarantee.
  10. With revenue lending, if revenue goes down your payment also goes down equivalent to your revenue.  This is extremely helpful in seasonal industries.
  11. With unsecured funding you don’t need to leverage any aspect of your business as collateral.
  12. You can easily be approved for thousands of dollars in business credit within weeks using our business funding suite.
  13. Our funding suite gives you access to all legitimate funding sources including SBA loans, equipment loans, merchant loans, and hundreds more.
  14. Many large banks tend to be much more conservative in lending, so consider a community bank or credit union for a small business loan.
  15. With SBA 7(a) loans the loan proceeds may be used to start a new business or to expand an existing business.
  16. If a crowd funding community sees your project as promising, they can give you the necessary funding, without any interests or collateral.
  17. Owning a business can be much easier when you have cash, credit, and capital backing you.
  18. So many business owners put themselves and their family’s security on the line by obtaining funding with a personal guarantee.
  19. Dun and Bradstreet is commonly known as D&B and is a publicly traded company with a headquarters in Short Hills New Jersey.
  20. With Merchant Cash Advances money is advanced to you based on how much you process each month in credit card transactions.
  21. Receivable Financing or “invoice factoring” is a great way to get money for your business.
  22. Private equity financing is money that is invested in a privately held business in exchange for partial ownership of the business.
  23. There are many factors which must be near perfect for a creditor to extend to you, business credit.
  24. To build business credit, establish a diversity of credit using multiple store and Visa, Master Card, and Amex accounts.
  25. Imagine having the ability to access $50,000 or even $250,000 for your business with NO personal credit check and NO personal guarantee.
  26. With revenue based capital, instead of selling ownership in your company you sell rights to a percentage of your company’s revenue.
  27. A Business Debit Card works much like a consumer debit card, your funds are limited to what you have in your account.
  28. D&B hold over 200 million business records on file and provides information on businesses for use in credit decisions.
  29. Angel investors are a great source of money for your business.
  30. Venture capital is a great funding source when you need higher loan amounts, and don’t mind giving up a potential stake in your company.
  31. Business owners tend to rely on their business banks when they need funding, but most banks only have access to limited financing options.
  32. With inventory financing, the borrower receives a loan in order to purchase inventory and use the inventory as collateral against the loan.
  33. There are many sources who offer business funding and knowing the different sources will help you find the best funding options.
  34. Business Charge and Credit Cards are a fast and easy way to access cash for business.
  35. Angel investors have been responsible for funding over 30,000 small businesses each and every year.
  36. D&B roots track back all the way to 1841 with the formation of the Mercantile Agency in New York.
  37. Wrapping a vehicle sometimes costs upwards of $2,500 or more, so consider using Wrap Financing instead of paying out-of-pocket.
  38. Credit limits on business credit accounts are notably much higher than consumer cards.
  39. Brand new startup businesses with no financials can qualify for credit cards and credit lines of $50,000 or more through our finance suite.
  40. With stringent banking standards, capital is hard to come by to help business owners meet and exceed their expectations for their business.
  41. You can get all the money and capital you need for your business without your personal guarantee, personal funds, or your personal credit.
  42. Prompt payments on business obligations will produce an exceptional Paydex score of 80 or higher.
  43. Fewer than 10 percent of all entrepreneurs truly understand how business credit is established and how it affects their businesses.
  44. In 1933 the Mercantile Agency joined with R.G. Dun & Company and became known as Dun and Bradstreet.
  45. Merchant loans can be obtained up to $250,000 depending on how much you process in credit card transactions each month.
  46. With revolving credit lines you pay only on the credit you use making it a perfect financing source for your business.
  47. To build business credit, make sure you start by incorporating your business and make sure you obtain a Federal Tax ID#.
  48. Purchase order financing uses your purchase orders as collateral for funding.
  49. Account receivable factoring uses your account receivables as collateral for funding.
  50. Crowd funding is perfect for entrepreneurs who don’t have a standard business model that fits with normal funding.
  51. When applying for business credit most merchants will do a 411 check and if your phone number is not registered, you won’t be approved.
  52. In 1962 D&B created the DUNS number which is now the worldwide preferred method of identifying businesses.
  53. Floor plan financing is perfect for auto dealerships that want to use their car inventory as collateral for business financing.
  54. SBA Express applications can be approved within only 36 hours and lower interest rates are available.
  55. You can obtain considerable credit for your business with no personal guarantee or personal credit inquiry.
  56. Venture capital is neither easy nor fast to be able to tap into but can be a viable source of funding.
  57. A 70 Paydex credit score reflects the business pays obligations 15 days behind, 60 score is 22 days behind.
  58. Secured funding is easier to be approved for than unsecured credit.
  59. With Account Receivables financing, you get a loan up to 95% of your invoice value.
  60. Receivable Financing is mainly used to generate immediate cash flow for the business selling the accounts receivable.
  61. With 401k financing you can save thousands in interest fees and protect your personal credit
  62. Dun & Bradstreet offers risk management products such as the Business Information Report,
  63. Comprehensive Report and the DNBi platform.
  64. You can secure credit lines, through me, up to $250,000 with as low as a 650 credit score.
  65. Our Business Credit & Funding Suite is the only system in the world that interfaces directly with Dun & Bradstreet, Equifax, and Experian Business.
  66. Even with bad personal credit you can qualify for financing if you accept credit cards or have consistent revenue going through your business bank accounts.
  67. Equipment Financing is a perfect for you and your business if you need office equipment or commercial equipment used for manufacturing.
  68. No business is required to send account information to the business credit bureaus.
  69. Securities Based Loans are non-recourse, non-recorded s and the lender cannot come after you personally in case of nonpayment.
  70. Experian Business offers a credit score known as Intelliscore.
  71. A business owner can build massive amounts of business credit much, much faster than consumer credit.
  72. Interest rates and incentives are similar, if not better on corporate credit than consumer credit.
  73. D&B also offers sales and marketing products such as the DUNS Market Identifier database, Optimizer, and D&B Professional Contacts.
  74. Without having a good business credit profile it will be a difficult path to success with no access to working capital or funding.
  75. Almost all Fortune 500 companies use their business credit to secure funding.
  76. Business owners can build credit in their business name that requires no personal guarantee, and no personal liability.
  77. On business credit applications if you don’t have a landline phone number, or if it isn’t listed in the right places, you will be denied.
  78. Incentives are good, and corporate credit commonly has higher limits and better terms than most consumer credit accounts.
  79. Your timely payments really help your credit rating when your creditors report the payments to business credit reporting agencies.
  80. Business credit scores range on a scale from 0 to 100 with 80 or higher considered an excellent rating.
  81. Securities-based lending generally involves a revolving line of credit that uses your eligible investment portfolio as collateral.
  82. You can be approved for credit cards and lines of $50,000 or more within 3 weeks or less through our Business Credit & Funding Suite.
  83. Just as Equifax, Experian, and Trans Union are leaders in the consumer credit reporting arenas, D&B is the leader in business credit data.
  84. You can include taxes and other charges such as installation charges into an equipment lease.
  85. Equipment financing can be used if you are starting a new business which needs equipment to operate.
  86. Merchant Cash Advances leverage your positive credit card processing history to get you approved, not your credit scores.
  87. With a 650 personal credit score or higher you can qualify for many types these of unsecured funding
  88. Most business owners get accustomed to using their personal credit and personal guarantee for their businesses.
  89. Small Business 7(a) loans are well known and loved in the business community.
  90. Account Receivable financing focuses on your receivables while Equipment Financing focuses on what equipment you own.
  91. Revenue Financing focuses only on your business revenue to get you approved for funding.
  92. Within months you can start qualifying for business credit with retailers such as Dell, Home Depot, Office Max, Staples, Sears, and more.
  93. At the end of Securities Based loan periods, the borrower receives back the same number of shares originally pledged as collateral.
  94. A 30 Paydex score reflects the business is paying obligations 90 days behind, and a 20 Paydex reflects paying bills 120 days late.
  95. When leasing equipment your interest rate and payments will stay the same from month-to-month during the term of your lease.
  96. Dun and Bradstreet’s unique DUNS number is the most widely used worldwide method of identifying businesses.
  97. You can get approved for $50,000 or more in business credit with NO personal guarantee and NO personal credit check.
  98. SBA Micro loan terms, Interest Rates, Fees and loan terms vary based on the size of the loan and the planned use of funds.
  99. Most business owners are not familiar with Equipment lease backs or merchant advances.
  100. Unless you knew exactly the type of financing you are looking for, you would not know many of the existing available financing options exist.
  101. Every kind of legitimate financing option that is available today can be obtained through our business funding suite.
  102. We can help you setup a new business for you if you don’t own one now.
  103. You can qualify for $100,000 or more in real credit in your business name.
  104. We can help you establish your Dun & Bradstreet DUNS number and start the establishing of your credit profiles.
  105. With equipment financing you will have low monthly payments and your payments can be tailored to fit your company’s individual needs.
  106. Business credit gives you security as it is much easier to run your business when working capital is easy to come by.
  107. Any business with a $50,000 credit line available will have a much better chance of growth than if $0 was available.
  108. You can obtain business financing for 200% of the value of what is in your 401k with 401k financing.
  109. We can help you get approved for new credit that reports to the business credit reporting agencies to build your business credit.
  110. Business credit scores range from 0-100 with a lower score indicating a higher risk for serious delinquency.
  111. With Merchant Advances, the lender advances you money against future credit card transactions.
  112. Microfinance Loans are less difficult and time intensive to qualify for with loan amounts ranging from $500 to $35k.
  113. To build excellent business credit, get approved for credit then keep using your credit to build a solid profile.
  114. You can qualify for credit cards and credit lines of $50,000 or more for your business even if you have not financials.
  115. Due to the lower risk to the bank, many major banks are more apt to lend money using SBA backed loans than regular loans.
  116. Consumer FICO credit scores range from 350-850 while the Paydex Score ranges from 0-100.
  117. With Securities Based Loans funds may be used for virtually any purpose, anywhere in the world.
  118. Receivable Financing is a great funding option as it provide an immediate advance of cash to you leveraging your outstanding invoices.
  119. Factoring companies, credit unions, merchant companies, private and angel investors all have money to lend to you right now.
  120. If you are not sure exactly what type of financing you need, it is tough to know where to look.
  121. Most business owners are not familiar with Business Revenue lending, or Purchase Order or Account Receivable Financing.
  122. With Private equity financing the investor will look at the company’s history including its historical financial and market performance.
  123. There are many sources of capital available today ranging from angel investors to private equity financing.
  124. Within 6-12 months you can have access to over $50,000 in revolving business credit with major retailers.
  125. You might be amazed to learn how easy it is to get business credit and funding for your business.
  126. With a strong business credit profile, lenders will lend you money based on your business credit not your personal credit.
  127. If you own a business, your Paydex score is essential in establishing new credit and continuing to build credit limits exceeding $10,000.
  128. To build business credit, establish a well written business plan as many lender will want to see this to approve you for funding.
  129. Equipment loans are perfect for any business owner looking to purchase equipment.
  130. Crowd funding originally started as a way to help generate funds for charities.
  131. Stakeholders, lenders, even potential buyers of your business will see more value if you have a strong business credit profile built.