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FAQ

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Are You Ready to Access the Capital Your Business Needs to Grow?

Tolbert Consulting Group helps you get business credit for your EIN that's not linked to your SSN with NO personal credit check or personal guarantee.

In a nutshell, how do I get business credit that's not linked to my SSN?

Just like how consumer credit is linked to your SSN, your business credit is linked to your EIN. This means when applying for business credit, it's usually not required to include your SSN. Once you properly establish your business entity and credibility, you start off building your business credit profile with smaller vendor accounts. As your business pays those retailers you will then qualify for revolving store credit cards, and then cash credit you can use anywhere, just like a normal personal credit card.

How long does it take for me to get Business Credit?

You can qualify for real usable vendor credit immediately. You’ll then start to qualify for store credit within 60 days that doesn’t require a personal credit check or personal guarantee. Within 6 months you should have access to $50,000 +++ in real usable credit, including Visa and MasterCard cash accounts. You can then continue to build $100,000-$250,000 or higher in business credit within a year to two. And our Business Funding you can also gain access to other cash funding programs within a couple of months or less.

Can people with bad credit get money?

Building business credit correctly means there is rarely a credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit with the finance suite by building their business credit.If the business owner has credit challenges and also has some kind of collateral, they can also get funding along with business credit.Funding can be secured in as little as 30-60 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, even consistent revenue.And we have revenue-based funding programs where if a business owner can prove through bank statements that they have consistent revenue, they can be approved with a credit score as low as 500.

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Is this complicated? Can I really do this?

When our company first started, there was not a lot of information on the topic of obtaining Business Credit, especially not one that’s not linked to an SSN. Over the years, we have fine-tuned and upgraded our instructions and the Finance Suite so that it is as easy to follow as possible.Every step of the Finance Suite includes simple education videos and direct resource links so that your business credit building journey is a 'no-brainer'. In the rare occasions that you need help, you have our business credit advisers and finance officers to help!So as long as you're committed to follow our instructions and are serious about the success of your business, then yes, you really can do this -- even if you're technically challenged. With that being said, it's important to understand that we do NOT build your business credit FOR you. We help you through simple step-by-step instructions and education. Essentially, follow our instructions and get results.

How does building business credit really work?

The first step is to ensure your business is setup credibly so you meet credit issuer and lender standards, before you apply. Next you get real useable credit through vendors. These vendors will give you credit when you have no other EIN credit established. And they report this credit to the business reporting agencies.Within 60 days or less that credit is reported to Experian, Equifax, or Dun & Bradstreet. Once reported, your EIN will then have an established credit report and score.Using that report and score you can then continue to apply for more tiers of credit where you can start getting access to revolving credit at most stores, credit that’s linked to your EIN and not your SSN and credit that doesn’t require a personal guarantee or personal credit check for approval.You can continue to grow your credit to obtain fleet cards, even Visa and MasterCard cash credit. And by having business credit established you’ll have a much better chance of getting loans, credit lines, and get these at better terms.

What makes this system so different than other business credit building programs?

This is the only system in the world which successfully combines both business credit building and funding. This means clients can build their business credit and get money right away, if they have good credit or collateral they can secure money in less than 30 days.

The suite is also the only system that shows business owners how to get free access to Experian Smart Business, and we help you get your D-U-N-S number with D&B, and list your phone number with 411 for free.

This alone saves you thousands.The finance suite has more lending sources, revolving business credit accounts, and starter vendor accounts than any other system on the market today. And the finance suite is the only system with one-click access to business credibility sources, underwriting guidelines provided for all business credit sources, and by far is the most advanced business credit building technology available today.