Your personal credit score is a measurement tool used by creditors to determine your creditworthiness as an individual; your business credit profile is a tool used to establish a baseline of  your business’ ability to pay back a loan.

Once your business is established, be it an LLC, partnership, corporation,sole proprietorship etc. your business credit profile is created. Part of your profile is information about your business included in the public record, so the information you shared with the state or county where you registered your business winds up being the beginnings of your profile. Like your personal credit score, creditors can review your score. Unlike your personal credit score, your business credit profile is public, so anyone who wants to can take a look at it.  And, like your personal credit score there are several things that can impact your business credit profile, positively or negatively.

Building a strong business credit profile should be a priority for any business owner. If you’re a new business think of yourself as a teenager who wants to apply for their first credit card. You’ll likely to have to start small and build your business credit from there.

There are many places you can go to to view your business credit profile. All of the credit bureaus will give your access to view your score. In fact, because they want to ensure the information they have about your business is accurate, it makes sense to regularly review your profile and they all offer a means to do it.  A perk of business credit is that there is no penalty for inquiring about business credit profile.

The biggest business credit bureaus are Experian, Equifax, and Dunn & Bradstreet

Your time in business doesn’t necessarily impact your credit profile, but if your business is still in the idea stage or less than a year or two old, it can make it difficult to get a small business loan. A strong profile that shows a history of your ability to use credit and service debt can positively impact your profile. In other words,, the longer your credit history the more information there is in your credit profile to analyze your creditworthiness—particularly if you have a good track record.

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, but with our Business Credit Funding program, we can get you there within 3-4 months.

The Business Credit Builder Program is an online platform specifically engineered to walk you through a customized step-by-step process on how to build your business credit - from start to finish. In other words, this program is tailored to YOUR specific situation, which makes your process to getting funds very simple and intuitive.

As you go through the program, you'll be able to know in real-time, which lending and credit sources you're pre-qualified or pre-approved for so you have the confidence that you'll be approved before you even apply!

In addition, you'll have concierge service from our business credit advisers and finance officers to assist you at any given stage. Between our revolutionary online platform and our LIVE expert team at your fingertips, you're guaranteed to get results - as long as you actually use the program.

It's true that between all of our free guides, articles, videos and seminars, you have enough knowledge to go get business credit all on your own. It's also true that we don't hold anything back in our sharing of knowledge because at the core of our company, we want to help as many business owners (and those aspiring-to-be) as possible to have an equal opportunity to succeed and thrive.

With that being said, there still are services you will have to pay for such as 411 listings, business credit monitoring, and a business credit builder so that you're reporting to the right agencies (costing over $3000), not to mention, you'll still have to go out and find vendors and lenders. There are also lots of limitations going this way.

The difference with us is that we have already established countless partnerships and affiliations, which allows us to fully leverage the power of our entire company and client-base for each individual client. Essentially, you get to leverage our company for your benefit. Since we do multi-millions of dollars in deals, our sources give us the highest limits, lowest rates, and longest terms.

And due to our established credibility in the business credit and financing industry, it's easy for us to expand and constantly add even more funding sources and options, which YOU benefit from. That’s how we have the largest supply of vendors and credit issuers than anywhere else.

In short, if you were to try and get business credit and financing on your own or somewhere else, you'll pay MUCH more than what we ask, and it would take a lot longer. We have this entire process dialed in so that you can get the most amount of funds, in the shortest amount of time, and at the lowest rates possible.

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 Credit Builder so that it is as easy to follow as possible.

Every step of the Credit Builder 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.

A business having its own credit is as real as an individual having their own credit.

Just as you have a credit file linked to your SSN, your business has a profile linked to its EIN. Experian, Equifax, and Dun & Bradstreet often start your profile when your business applies for a loan, credit card, or even when you setup basic utilities.

From that point most credit you apply for won’t report to the business reporting agencies unless you apply for different types of credit in a particular order, or leave your SSN off of the application.

Real business credit can be obtained with no SSN being supplied upon application. This credit doesn’t appear on your personal credit reports either. As you build your business credit your EIN profile and score then becomes essential to helping you qualify for bank loans and credit cards. And you can use EIN credit and EIN credit alone to get approved for many types of credit without a personal guarantee.

Every highly-successful privately and publicly owned company in the United States has business credit. But what many don’t know is that even startups can also obtain it… if you follow the right steps.

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.

Your enrollment costs vary. If you enroll in our Basic Package you are getting access to your own Credit Builder where you can get business credit and financing for your business at a one-time fee of $799. Our Elite Package gives you all of the benefits of our Basic program, as well as access to a 24/7 business credit advisory team. The fee for this package is a one-time fee of $2999 due at sign up, or a set up fee of $749 to get started and then $499/mo. for 6 consecutive months 30 days after.

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

The builder 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 credit builder has more lending sources, revolving business credit accounts, and starter vendor accounts than any other system on the market today. And the credit builder 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.

There is no formal process of fixing business credit as there is no FCRA or FACTA laws that deal with business credit reporting. Still, our advisors will help business owners dispute any discrepancies on their business report as part of the program, and they'll have access to a section where they can go through the business credit dispute process. We even have a step dedicated to fixing errors on business credit reports as part of the finance suite.

But the main function of the credit builder is to help you build business credit, as well as get money.