FAQ Frequently Asked Questions

Yes, we have funding programs especially designed for new startup businesses and franchises. If you have good personal credit or a good credit personal guarantor you can secure up to $150,000-250,000 for your new business.
Yes, over 90% of our funding programs require no financials to qualify.

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, business cash-flow, or personal guarantor, they can also get funding along with business credit.

Funding can be secured in as little as 30 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, 401k and securities, 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.

We offer both, business credit and funding services for our clients. We help clients first obtain money for their business through over 30 financing products and over 2,000 lenders. We then help clients build their business credit so they can obtain even more money with no personal guarantee or credit check.

Yes, yes, and yes we can help you get money for your business. Our business credit building system helps you build credit for your business, even if you have a brand new business. You can then use your credit to obtain higher credit amounts, even funding.

And your business credit can be built regardless of personal credit quality. So even with challenged personal credit, you can still build credit and obtain funding for your business.

If your business has collateral or cash flow, or if you have good personal credit, or if you have a good credit personal guarantor, you can then typically secure money quickly on top of the business credit you acquire.

Our clients can be approved for millions-of-dollars in funding if you have equivalent collateral or financials.

Even businesses new startup businesses with no collateral can obtain up to $150,000. While businesses with collateral can secure hundreds-of-thousands of dollars to millions-of-dollars depending on the value of the collateral and/or cash-flow you have.

To obtain business funding lenders typically want to see that you have either Collateral, Cash flow, or Credit, whether it’s personal or business credit. If you have collateral, cash flow, or good personal or business credit, then you can typically secure money within 30 days or less.

If you have challenged personal credit, no collateral, no business cash flow, you can still secure money using a good credit personal guarantor. With no guarantor or collateral or cash flow, you will need to build business credit to obtain funding which can take up to 4-6 months.

If you have great credit, you can secure money through the finance suite even if you are looking for funds to start a business. And you won’t need to show financials to qualify. Even if you have a co-signer, or a good credit personal guarantor, you can secure money with this program.

If your business has some type of legitimate business collateral, you can also qualify for funding, even if you have challenged personal credit now. Acceptable collateral includes purchase orders, account receivables, inventory, equipment, credit card sales, commercial real estate, 401ks and IRAs, securities such as stocks, and most other forms of legitimate business collateral. You can even qualify for funding if your business has consistent cash flow each month.

You can also qualify for funding if you have good business credit built. If you don’t have this built, our system will help you build your business credit so you can secure funding based on your business credit profile.

If you don’t have good credit, or good business credit, and if you have no cash flow yet for your business, no acceptable collateral, and if you also have no co-signer, you will not secure money quickly through the finance suite. If you are in a rush to get money and you don’t have any of these essentials, it will take you 4-6 months of business credit building to truly secure cash money.

So if you are in a hurry and don’t have these essentials, we might not be the best solution for you.

But if you do have one of the essentials, not all of them like a bank requires but even just one, you stand a good chance of benefiting from the Business Finance Suite.

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.

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 with our Business Finance Suite you can also gain access to other cash funding programs within a couple of months or less.

The Business Finance Suite includes the Business Credit Builder Program which 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.

To get a better picture of how it all works, we recommend watching the Finance Suite Walkthrough Video Here.

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.

A business having its own credit is as real as an individual having their own credit. If you have any questions or concerns with the legitimacy of business credit, check out what SBA, Experian, Inc, NASDAQ, and other industry leaders have to say.

We have 0 lifetime complaints with the BBB and all other entities, and the few other companies that offer business credit have MANY complaints. Feel free to see our "A" BBB rating, 5-Star Trust Pilot reviews, actual results & approvals, testimonials. and more by clicking here

If you're ready to get started with our program, you can check out our package options here.

You can also watch Finance Suite Walkthrough video below


If you want to speak with a Live Consultant to answer any questions you may have you can schedule an appointment here or call (949)326-5033.

If you have a simple question, you can also send a private message to our Facebook Fan Page here and we’ll usually answer you within 1 business day.

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.

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.

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 finance suite is to help you and your customers build business credit, as well as get money.

Currently there is no specific regulation related to the business credit industry specifically, and the industry has been around for quite a long time. The business credit reporting agencies including Dun & Bradstreet actually sell business credit themselves. With the bureaus are proponents for the industry and lack of regulation so far, we don’t foresee any near future industry specific additional regulation to come.


Have More Questions? Contact Us Today.

 

This is what is included with your purchase:


  • Your own Business Finance Suite for Your Business
  • Business Credit Builder Program
  • 20 Point Compliance Checklist to Meet Credibility Standards
  • 411 Listing Setup
  • EIN Setup Access
  • Business Name and Address Approval Criteria Check
  • Business Bank Account Approval Criteria Check
  • Help with Merchant Account Setup
  • Fix Inaccuracies on your Business Credit Reports
  • Business Credit Report and Score Training
  • Setting Up Your Initial Business Credit Reports
  • Experian Smart Business Access with Ongoing Access
  • Starter Vendors to Build Initial Business Credit
  • Store Business Credit Sources with Underwriting Guidelines
  • Cash Credit Sources Including Visa and MasterCard
  • 12 Months of Business Credit Advising Services
  • 5 Years of Business Funding Advising Services
  • Finance Qualifier
  • Access to Funding Programs and Lenders
  • SBA, Alternative SBA, and Private Lender Program Access
  • Cash-flow Financing and Merchant Advance Lender Program Access
  • Collateral and Asset-Based Lender Program Access
  • 5 Years of Finance Officer Support


  • Click Here To Get Started With Your Own Business Finance Suite!



     

    Business Credit Experts

    4340 Von Karman Ave. Suite 200
    Newport Beach, CA 92660

    P: (949) 326-5033

    E: info@thebusinesscreditexperts.com

    H: Monday - Friday: 8:00 AM to 6:00 PM