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Build Business Credit.

Unlock Funding Opportunities.

Professional business credit services that separate your personal

and business finances, establish fundability, and position you

for SBA loans, lines of credit, and vendor accounts.

680+ Credit Score Target

$50K-500K Funding Access

SBA Loan Ready

"Results vary by business. We do not approve loans or guarantee funding. Final decisions made by lenders."

Is Limited Business Credit Holding You Back?

Funding Denials

Getting denied for business loans, lines of credit, or SBA programs despite having a profitable business.

Personal Credit Dependency

Forced to use personal credit for business expenses, risking your personal financial security.

Limited Growth Potential

Unable to scale operations, buy inventory, or hire staff due to lack of capital access.

Strategic Business Credit That Opens Doors

We don't just build business credit—we create fundability. Our specialists help you establish a credit profile

that banks and lenders actually want to approve.

💵 SBA Loan Positioning

Strategic preparation to meet SBA underwriting

standards (typically 680+ personal score, business credit history, strong financials).

📈 Business Credit Building

Monitor every dispute, update, and change in your credit report through our secure client portal. Complete transparency, 24/7 access.

🛡️ Personal/Business Separation

Proper entity structuring to protect personal assets

and credit while building business creditworthiness.

🤝🏻 Lender Introductions

Beyond disputes, we provide strategic guidance on credit utilization, payment timing, and account management to maximize your score.

Is Business Credit Building Right for You?

Established Business Owners
You have a profitable business (6+ months operating, revenue coming in) and need capital to scale operations, buy inventory, or expand.
Entrepreneurs Preparing for SBA Loans
You're planning to apply for SBA 7(a), 504, or Express loans within 6-12 months and want to maximize approval odds.
Startups Seeking Structure
You're launching a business and want to establish proper credit separation from day one—protecting personal assets while building business creditworthiness.
Business Owners Rebuilding After Challenges
Your business had challenges (COVID, market shifts, cash flow issues)
and you're rebuilding to access capital again.

Not sure if this is right for you? Schedule a free consultation to discuss your specific situation.

Your Path to Business Funding Readiness

Business & Personal Credit Analysis

We review your personal credit (impacts SBA loans), business credit (D&B, Experian), entity structure, and current financial position.

Timeline: 3-5 business days

What You Get:

Comprehensive fundability assessment

Custom Funding Roadmap

Your advisor creates a strategic plan targeting your funding goals—whether SBA loans, business credit cards, lines of credit, or vendor accounts.

Timeline: 1 week

What You Get:

Written strategy document + timeline

Credit Building & Optimization

We help you establish trade lines, optimize credit utilization, address personal credit issues, and position your

business for lender approval.

Timeline:

3-6 months (varies by starting point)

What You Get:

Written strategy document + timeline

Funding Application Support

When you're ready, we guide you through the application

process, connect you with business-friendly lenders, and help you present a strong case.

Timeline:

2-8 weeks (lender dependent)

What You Get:

Funding approval for qualified businesses

What You Get

What's Included in Our Business Credit Program

Complete Personal Credit Analysis
Business Credit Report Review (D&B, Experian)
Entity Structure Assessment
Fundability Gap Analysis
Trade Line Recommendations
Vendor Account Strategy

Business Credit Card Guidance
SBA Loan Application Preparation
Lender Introduction (when ready)
Monthly Progress Tracking
Dedicated Business Credit Advisor
Business Credit Education & Resources

Business Credit Services

Tier 1: Business Credit Assessment

Price: $497 (One-time)

Description: Comprehensive analysis only—perfect for DIY business owners

Includes:

- Personal credit review

- Business credit report analysis

- Entity structure assessment

- Written fundability report

- 60-minute strategy consultation

⭐ MOST POPULAR

Tier 2: Business Credit Building

Price: $1,997 (3-month program)

Description: Complete credit building for funding readiness

Includes:

- Everything in Assessment

- Trade line setup assistance

- Vendor account recommendations

- Business credit monitoring

- Monthly advisor calls

- Ongoing optimization

Tier 3: SBA Loan Preparation

Price: $3,997 (6-month program)

Description: White-glove service for SBA loan applicants

Includes:

- Everything in Building

- SBA loan application preparation

- Business plan review

- Cash flow analysis

- Lender introductions

- Priority support

Frequently Asked Questions

Can you guarantee SBA loan approval?

No. We cannot guarantee loan approval—final lending decisions are made by banks based on their underwriting criteria (credit scores, revenue, cash flow, debt-to-income ratios, etc.). We prepare you to present the strongest possible application, but approval is never guaranteed.

How long does it take to build business credit?

Most businesses see their first business credit scores within 60-90 days of establishing trade lines and vendor accounts. Building a strong business credit profile typically takes 6-12 months. SBA loan preparation can take 3-6 months depending on your starting point.

What credit score do I need for SBA loans?

Most SBA lenders require a minimum personal credit score of 680 (some prefer 700+). Your business credit, revenue, time in business, and debt-to-income ratios also impact approval. We help optimize all these factors.

Do I need to be incorporated?

For business credit building, you'll need a legal entity (LLC, Corporation, etc.) and an EIN (Employer Identification Number). If you don't have these, we can guide you through formation (or refer you to our Business Formation division).

What if I have poor personal credit?

Personal credit impacts SBA loans, so we address personal credit issues first (through our Credit Repair division if needed), then build business credit. Both must be strong for maximum funding access.

How much funding can I get?

Funding amounts vary widely based on your business revenue, credit profile, and lender programs. SBA loans range from $50K-$5M+. Business lines of credit typically $10K-$250K. We help you target realistic funding goals.