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Building Business Credit

This document provides an overview of building strong business credit scores by completing 20 foundational items. It discusses establishing a business entity like an LLC or corporation to separate business and personal credit. The 20 items include having a state business filing, EIN, business bank account, licenses, phone listing, credit reports with Experian, D&B, and Equifax, positive payment histories, physical address, bank rating, tax returns, and credit accounts. It claims following the steps outlined will result in completing all 20 items to obtain business funding.

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100% found this document useful (3 votes)

2K views90 pages

Building Business Credit

Uploaded by

halcino

We take content rights seriously. If you suspect this is your content, claim it here.

Available Formats

Download as DOCX, PDF, TXT or read online on Scribd

You are on page 1/ 90

Disclaimer: The material within this e-book is intended as an educational tool.

The medical intended solely for informational and educational

purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

GUARANTEED RESULTS WHEN USED

AS DIRECTED!
Guaranteed Business Credit Guaranteed Business Funding
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

(Step 1) The 20 Foundational Item For Building

Strong
Business Credit Scores
Most banks and commercial lenders have a checklist of 20 items that your business
must have completed to be considered “in Compliance”. The problem is that business
owners simply are not aware of these items and, even if they were; do not know how to
go about properly addressing them.
On the surface, most of these 20 Compliance Items would appear to be simple tasks
but, unfortunately, that isn't always the case. As an example, one of the verifications
that most lenders and credit providers perform is to call directory assistance and ask for
the listing under your legal business name. If there is no listing then you'll more than
likely be declined. But having your business properly listed with 411 directory assistance
under its exact legal name is a simple task. Isn't it? It can be much harder than you
think.
Is your business phone a VOIP, or a virtual system, or a cell phone? Call your local 411
now and ask for your business under its legal name (your business name as listed on
your State filing). 411 calls route from your local service provider to the carrier for the
phone you are calling from, such as AT&T routes to AT&T, Verizon to Verizon, etc. Let’s
say you have AT&T and you call 411 to find that your business is listed. Now use a
friend’s phone that has Verizon, Cox, or any other local provider. Is your business still
listed? What about a lender who calls to verify from an outside area code? They would
more than likely dial 1-XXX-555-1212. Be sure to test for that too because, in many
cases, those calls route to the national directory assistance database and not to the
local service provider.
Included within this ebook is free submission links to the national directory assistance
database along with detailed methods on how to ensure that all your local area carriers
have a listing for your business.
Ok, we've covered one very "seemingly simple" business compliance item. There are 19
more that seem just as easy when, in reality, it can make all the difference to have
Guaranteed Business Credit Guaranteed Business Funding

someone walk you through each and provide specific instructions on how to properly
complete them. And just as important, how to complete them for all lenders no matter
what state they are in. Missing just one of these items can result in your loan request
being declined and, unfortunately, most credit providers will just send you a declined
letter rather than take the time to go over which items you failed to complete and how to
correct them.

The Guaranteed Business Credit System shows what these items are, how to complete
them, and how to verify that the lender will see them as completed. We call this the
foundation and it is critical to get all the items completed before we begin building strong
business credit scores.

Our system is comprehensive and will guide you through all 20 items ... Below is the

overview of what you will be accomplishing with our Business Credit Building System.

If you follow our Step-By-Step instructions, your business will complete all 20 items

and build strong business credit scores.

Overview of the 20 points needed to obtain business

funding:

1. State Records, Your entity must be open, active and in good standing.

2. Federal EIN, Your Employer Identification number filing must match your

state filing exactly.

3. Bank Account, The day you open your business bank account is the day

your business starts.

4. Business Licenses, All applicable business licenses must be filed.

5. DBA, any dba's must be on all state/federal/banking records.

6. Separate business phone, Your business must have its own phone number.

7. 411 Directory, business phone number must be listed with 411 under the
exact legal
name.

8. Experian, File must be open with a credit history and good score.

9. Dun & Bradstreet, File must be open with a credit history and good score.

Guaranteed Business Credit Guaranteed Business Funding

10. Equifax, File must be open with a credit history and good score.

11. Credit Histories, No lates or derogatories on business reports.

12. Physical Address, The business needs its own physical address.

13. Bank Rating, Your business bank rating must be a minimum of a low 5.

14. NSF, No NSF checks on the business account for the past year.

15. Tax Returns, All applicable tax returns must have been filed.

16. Public Records, There can be no liens, judgments, lis pendens, etc.

17. Credit Cards, at least 3 business credit cards with payments made early.

18. Vendor Credit, at least 5 vendor lines of credit with payments made early.

19. Comparable Credit, a larger loan from a non-bank lender with payments

made early.

20. Bank Loan, Securing a small bank business loan with payments made early.

Now That You Know What Needs To Be Done,

Let's Get Started!

Guaranteed Business Credit Guaranteed Business Funding

Step 1.1 - Your Type of Business Entity Does

Count

Why do you need a Separate Business Entity?

While you can build business credit as a sole proprietor or partnership, if you truly want

to separate business credit from personal credit your business must be a separate legal

entity. Unless you have a separate business entity (Corporation or LLC) you are "in

business" but you are not "a business".

Don't panic! Yes, you need to be a Corporation or an LLC in order to separate personal

from business credit, but you can still continue the business credit building process

while setting one up.

Personal Liability

As we mentioned, you can still establish and build business credit if you choose to

operate as a sole proprietor or, for instance, if your industry requires that you operate as

a LLP or other type of partnership. Just be aware that your personal and business credit

can never be truly separated under these business "types".

There is no doubt that your business will greatly benefit from building a strong credit

profile but, as a sole proprietorship or partnership, everything you do remains

"personal". That means every business loan puts your personal assets and personal

credit ratings at risk. Everything is on you personally unless your business is a legal
entity unto itself.

Guaranteed Business Credit Guaranteed Business Funding

Form a Corporation or LLC

We highly recommend that you build business credit as a corporation or LLC. If you

need to form a separate entity take 10 minutes to SET ONE UP NOW ! In order to

maximize your "fundability" and build a business credit profile that is separate from your

personal credit you need to form a type of corporation or LLC.

Once you've formed a separate entity for your business, you must make sure everything

relating to the business is done in the business name. You may personally need to sign

for certain transactions, but your corporation or LLC is actually the "one" doing

business
.

*** Special Note

***

If the State where your business was formed does not match the State of its primary

location then your business will need to file for "Foreign Corporation" status in the State

where it is located and does business from. For example, if your business was
Incorporated in Nevada or Delaware, but its primary location is in California or New

York, then you will have to file for Foreign Corporation status in either California or New

York.

Step 1.2 - Your Business Location Does Matter To

Lenders

Business Name and Primary Location

Building strong business credit and getting approved for financing is all about paying

attention to the details. It is very important that we have your exact business legal

name. This includes the recorded DBA filing you will be using. The address of your

business needs to look like a business address. Do not use a post office box. You can

use your home address for business credit building, but be aware that some lenders will

not fund "home based" businesses. This will not stop you from building business credit

scores, but may limit your funding options.

Guaranteed Business Credit Guaranteed Business Funding

DBA - "Doing Business

As"

**Caution*
*

Filing DBAs for your Corporation or LLC can cause multiple credit files to open if you're

not careful. For example, say your business bank account is under "ABC Corporation"

but you open a credit account as "ABC Corporation, dba ABC Tire Service", and you
have another credit account that you opened as just "ABC Tire Service". What will

happen in the above example is that your business ends up with three open credit files

under all three names... and now you have a mess.

If you're going to use a DBA you'll need to avoid creating duplicate credit files. All

banking, utilities, offices leases, credit accounts, etc. must be opened as "ABC

Corporation dba ABC Tire Service".

If you already have multiple credit files they can be consolidated by contacting everyone

that you do business with and have them change the name on the account to "ABC

Corporation dba ABC Tire Service". You'll then want to send a letter, on company

letterhead that clearly displays "ABC Corporation dba ABC Tire Service" as the

company name, to the three national business credit agencies asking them to

consolidate the files. Getting multiple credit files consolidated is a lot of work that you'll

want to avoid. So make sure you open every account under your exact business legal

name with the dba clearly appended to it like: "ABC Corporation dba ABC Tire

Service"
.

Step 1.3 - Business Phone Line and 411 Directory Listing

Is your Business Phone Number with 411?

Guaranteed Business Credit Guaranteed Business Funding

You must have a dedicated business phone number that is listed with 411 directory

assistance, under the business name. Do not use your home number. It needs to be

answered with the name of the business (never with "Hello") and a voicemail with the

name of the business ("You have reached the offices of ..."). Lenders, vendors,

creditors, and even insurance providers will verify that your business is listed with 411.

In order to guarantee a consistent 411 listing, one of your business phone numbers

should be with a local carrier. As soon as you set-up with them, the carrier should

automatically add your business to their proprietary 411 directory database. Be sure to

confirm
that.

• Need to add your listing to 411 CLICK HERE:

• http://www.whitepages.com/listing?s_cid=010101

• Need to add a business listing with Localeze CLICK HERE:

• http://webapp.localeze.com/bizreg/

Boost Perception With an 800

Number

How do lenders, vendors and customers see you? It's just too easy and inexpensive to

ADD a virtual toll free 800 or 8** number as one of your business numbers... Even if

you're a single owner with a home-based business, a toll-free number provides the

perception that you are a real business. Some of the advanced features include:

multiple extensions, customizable music-on-hold, voicemail, flexible call forwarding

options, and more. Plans for toll free numbers, or even virtual numbers for your local
area code, start as low as $9.95/month. Try it out for FREE and get 10% off CLICK

http://www.ringcentral.com/
.

Guaranteed Business Credit Guaranteed Business Funding

Step 1.4 - Having a Business Fax Line is Still

Important

Make sure you have a Fax Line for your

business.

Many people say that faxing is a thing of the past. That is simply not true when it comes

to lenders and credit providers. As a business you will need a fax number to receive

important documents, especially from lenders and credit providers. There are many

great services where you do not need a fax machine and all of your faxes are

accomplished via the internet. The one we highly recommend is Ring Central

http://www.ringcentral.com/
.

Step 1.5 - Business Website and Email

Is your business on the web?

When credit providers research your company on the internet, it is best if they learned
everything directly from your company website. Many business owners fail to see that

not having a company website is hurting their chances of obtaining multiple trade lines

from various vendors. There are many places online that offer affordable business

websites so you can at least have an internet presence that displays an overview of

your company's services and contact information. Don't overlook the need for a "real"

business Email Address. It is important to get a company email address for your

business. It's not only professional, but greatly helps your chances of getting the thumbs

up from a credit provider. A great example is an email like support@yourcompany.com

or
john.smith@yourcompany.com.

What you want to avoid is using a free service like yahoo and hotmail. The Email

address has to be "@yourcompany.com". There is nothing worse than potential credit

Guaranteed Business Credit Guaranteed Business Funding

providers noticing your company email address is partychic2009@yahoo.com. Setting

up a business email address is just too easy and inexpensive to neglect doing.

Step 1.6 - Business Licenses: City, County, State

Business Licenses

One of the most common mistakes when building credit for your company is non-

matching business addresses on your business licenses. Even worse is not having the
"required" licenses for your type of business to operate legally. You will need to contact

the State, County, and City Government offices to see if there are any required licenses

and permits to operate your type of business. Give them all a quick call, advise that you

started a business that does "x" and want to see if there is any type of required licenses

or permits you need to obtain for your type of business.

For Example: You start up a business and operate it out of your house. In this instance

some cities might require you to have a license, while other cities may
not.

Step 1.7 - Your Business Must Have Its Own Credit

Identity

Employer Identification Number

(EIN)

Whether you have employees or not, your business entity must have a Federal Tax ID

number (EIN). Just like you have a Social Security Number, your business has an EIN.

Your Tax ID number is used to open your bank account and to build your business

credit profile. If you have an EIN, you may still need a new one if:

Guaranteed Business Credit Guaranteed Business Funding

• Your business is subject to a bankruptcy proceeding.

• You form a new corporation or change the corporate name.
• You take in new partners and operate as a partnership.
• You purchase, or inherit, and plan to operate an existing business.

Please take the time to verify that all agencies, banks, and trade credit vendors have

your business listed with the same Tax ID number.

To build business credit your business must have a Federal Employer Identification

Number (EIN).

Get an
EIN

If you haven't yet, you'll need to get a unique EIN (Employer Tax ID Number) assigned

to your business. It's like your business's social security number. To have a professional

service handle it for you.

To obtain a EIN you can have Legal CPN a professional service provider set up your

EIN or CPN. Legal CPN will make sure your EIN is Safe Scanned, Lexus Nexis, and

Choice Point cleared to insure your CPN or EIN is free of any red flags and pass the

credit bureaus verification mind field, and be ready to get your business credit. CLICK

HERE: http://www.legalcpn.com/79_99_cpn_salespage.html .

Step 1.8 - Your Business Bank Account Determines Your Business Start Date

Is your Business Bank Account open?

Decide which bank you want to open an account with and call or email them. Ask what

their specific requirements are for opening a business checking account.

Guaranteed Business Credit Guaranteed Business Funding

Generally, most banks require a copy of your business certificate from the secretary of

state, an IRS document with your EIN number on it, and sometimes the articles of

incorporation are required.

The date you open your business bank account is the day that lender's consider your

business to have started. So if you incorporated your business 10 years ago, but you

just opened the business bank account yesterday, then your business started

yesterday.

Step 1.9 - All Agency Listings Must Be Listed ‘Exactly The

Same!’

You must verify how your business is

listed.

You must confirm that every agency, creditor, supplier, and trade credit vendor has your

business listed the exact same way. You must be listed with the exact same spelling of

your business name and the exact same address and phone
number.

For example, one might have you listed as "ABC, Inc.", while another has you as "AB

Consultants", and yet another as "AB Consultants, Inc". There are also simple

differences like those between "Suite 400", "# 400", and "Apt. 400". The differences are
important and they should be corrected where possible.

Take the time to verify that these main agencies (State, IRS, Bank, and 411 national

directory) have your business listed the same way and with your Exact Legal
Name.

Also take the time to ensure every bill you get (power bill, phone bill, landlord, etc.) has

the business name listed correctly and comes to the business address.

Guaranteed Business Credit Guaranteed Business Funding

Pay Attention To Details This Is Very

Important!

MAKE SURE YOU DO IT

NOW!

The following agencies are vital to your business financing and business credit building

success:

1. Your State

2. Your County

3. Your City

4. The IRS

5. Your Bank

6. 411 Directory Assistance

Take the time now to verify that each agency has your business listed the
same:

1. State business filings listed correctly

2. County license and/or permit filings listed correctly

3. City license and/or permit filings listed correctly

4. IRS filings listed correctly

5. Bank account listed correctly

6. 411 directory assistance listed correctly

Guaranteed Business Credit Guaranteed Business Funding

Step 2 - Your Business Fundability How Do Lenders View It?

"In Step 2 we will address the major components that make-up the overall Fundability of

your business. Part of that is asking some questions to see what funding might currently

be available to you."

Your business needs to make itself "Fundable" for lenders.

Fund • a • bil • i • ty [ adj. Fuhnd-uh-bil-i-tee ] You won't find "Fundability" on

Dictionary.com, so don't bother looking. Fundability is a phrase we've coined to describe

how a business measures up in relation to the entire business lending and investing

community. How fundable is your business?

Fundability is not just about your business credit. It includes several components

that determine how your overall business is seen by lenders, investors, insurers,

suppliers, and more. Basically, we know that your business was worth the risk for you,

but is it worth the risk for them? The answer will increasingly be "yes" as your fundability

grows
.

*** Special Note

***

Don't worry if all your revenue answers are $0, or if your business is just starting, you

will still be able to build business credit. These questions are just to let you know the

current status of your business so we can quickly determine what funding programs

might be available to you.

• Is there a bank account in the business name? YES / NO

• Month and year business was started (Date the business bank account was

opened) MONTH / YEAR .

• Major industry focus for your business (Such as computer software, lodging or

retail). .

Guaranteed Business Credit Guaranteed Business Funding

• Average gross monthly revenue (Such as $0 to $5,000,000) .

• Total amount of monthly Credit Card sales (Actual, not projected; Such as $0 to

Over $100,000 per month) .

• Amount of outstanding invoices with customers (Existing receivables from

businesses, not consumers; Such as $0 to $5,000,000) .

• Current amount of existing purchase orders (Actual open business purchase

orders, not contracts; Such as $0 to $5,000,000) .

• Total value of equipment owned outright (Original invoice value of your existing

equipment; Such as $0 to $5,000,000) .

Step 2.1 - Using Assets Can Make Building Business Credit Faster

Using assets to build stronger Business Credit Scores.

Your existing assets can act as collateral for obtaining new business credit accounts.

Financing and available credit based on assets can open many creative options.

There are funding programs based on certain types of revenue streams that can be

pledged as collateral. Other revenue streams can be sold outright for working capital.

To maximize your business credit you will need to have some working capital to make

down payments, initial purchases, etc.

*** Special Note

***

You can build business credit without having or using assets, but leveraging assets can

provide a means to working capital. If used properly, it can even expedite the business
credit building process.

• Do the owners own residential real estate ?

Guaranteed Business Credit Guaranteed Business Funding

• What is the current market value of the property ?

• What is the currently owed against of the property ?

• Are you currently receiving payments from (Real Estate Structured Notes

Structure Settlements or Both) ?

• Total value of IRA & 401K investments ?

Step 2.2 - The Owners

Why Personal Credit is still important.

We know that one of the main reasons you are building business credit is to get away

from having all of the business financing tied personally to the business owners. The

good news is that you are well on your way to doing just that.

By building strong business credit scores you will be able to secure vendor lines of

credit, credit cards, vehicle leases and many other types of business financing using

only your business credit. However, beyond that, there is still more to the equation that

many business credit building services don't want to talk about.

In the business world, an owner's personal credit scores can make the difference.
Typically, 700 is the magic cut-off for personal credit scores. If a business owner

(anyone owning 10% or more of the business) or officer of your company (VP, CEO,

etc.) has personal credit scores above 700, then more financing becomes available at

lower interest rates and a much higher rate of approval.

In the current lending and credit markets, banks and conventional business lenders are

looking at both personal and business credit. If the business credit is strong they may

not require a personal guarantee but will still factor an owner's personal credit history

and scores into their underwriting for initial approval.

Guaranteed Business Credit Guaranteed Business Funding

Optimize Personal Credit & Protect Your

Identity

Truly separating personal from business credit will better protect a business owner's

assets and credit rating. However, there is more you can do now to ensure your

personal credit is optimized and your identity is protected from theft and credit fraud.

This is especially true while you are in this "building" process.

Repair and Optimize

Be sure you've checked all 3 personal reports

(http://www.truecredit.com/services/cmu/orderChoice.jsp ) to verify their accuracy. If you

have any questions or concerns and want professional help we recommend The Legal

CPN Credit Erasing Program (http://www.legalcpn.com/credit_eraser.html). If you would

rather go about addressing your personal credit on your own then within your purchase
you also received Our How To Restore Good Personal Credit Scores E-Book.

Protect and Secure

To fully secure your personal identity and credit profile with a $1,000,000 warranty, we

highly recommend a good credit monitoring

program.

Here's the simple fact of the matter.

By improving both your personal and business credit scores, you will make much more

capital (cash) and resources available to your business at better rates, terms and

pricing. In order to best serve you we need to know the credit scores of the business

owner or company officer (doesn't have to be an owner) with the best scores.

Please use information from credit reports that are less than 30 days old. Don't guess

get your actual reports and scores.

Guaranteed Business Credit Guaranteed Business Funding

Step 2.3 - Universal Fleet Cards

"The Wright Express and Fleet One cards are available to every business.
Wright

Express opens files with all three business credit agencies. This is a critical
headstart

and business credit boost."

We highly recommend that you apply for a Wright Express Fleet Card. Below
are

the reasons
why.

Click or Paste Link Below to Apply

https://www.universal.wrightexpress.com/online/public_gotoCreditFlow.do?_flowExecutionKey=_cF83D4227 -A110-83EA-2781-

701584E530F6_kF6F2FD8B-82E5-7BD2-4CE2-F4109FBA6F7D

The primary advantage of this card is that all businesses can obtain one and it reports

to Experian, Equifax and Dun & Bradstreet. All three agencies! Equifax is the hardest

business credit file to get opened and this card accomplishes that. It will also activate

your Experian and Dun & Bradstreet files (if they aren't already). In the case of Dun &

Bradstreet, this will generate a unique DUNS # for your business, which is a critical

component of the business credit building process.

The reason that all businesses can obtain the Wright Express card is two-fold:

1. If the signing applicant is a company owner or officer with a FICO (personal credit)

score above 650, then your business should be automatically approved for the

Guaranteed Business Credit Guaranteed Business Funding

"unsecured" charge card.

2. If no one wants to sign using their personal credit information (social security #), then

the card can be a prepaid "secured" card with a minimum $500 deposit and, again, it

reports to all three of the major business credit agencies.

As long as you apply with the EIN # of your C-corp, S-corp or LLC this card only reports

on business credit and not on personal credit. So if you qualify and apply for the

unsecured version of the Wright Express card, it will not show up on the applicant's

personal credit.

For a complete listing of Wright Express's accepted locations in your area please Click

Here. http://www.wrightexpress.com/WEX/wex-universal-locations.cfm

We highly recommend that you apply for a Fleet One Small Business Card.
Below

are the reasons

why.

Click here to apply: https://www.fleetone.com/CreditApps/Local_CreditApp.asp

The primary advantage of this card is that all businesses can obtain one and it reports

to Equifax and Dun & Bradstreet! Equifax is the hardest business credit file to get

Guaranteed Business Credit Guaranteed Business Funding

opened and this card accomplishes that. And just like the Wright Express card, it can

activate your Dun & Bradstreet file and generate a unique DUNS # for your business.

The reason that all businesses can obtain the Fleet One is two-fold:

1. If the signing applicant is a company owner or officer with a FICO (personal credit)

score above 600, then your business should be automatically approved for the

"unsecured" charge card.

2. If no one wants to sign using their personal credit information (social security #), then

the card can be a prepaid "secured" card with a minimum $500 deposit and, again, it

reports to 2 of the 3 main business credit agencies.

As long as you apply with the EIN # of your C-corp, S-corp or LLC this card only reports

on business credit and not on personal credit. So if you qualify and apply for the

unsecured version of the Fleet One card, it will not show up on the applicant's personal

credit
.

The Fleet One card can be used to pay for fuel, tires, brakes, regular maintenance, etc.

Fleet One Cards are also accepted at Kroger owned grocery and convenience stores.

This includes: CityMarket, Dillons, Food4Less, FredMeyer, Fry's, Hilander, JayC,

KingSoopers, Kroger, Owen's, PayLess, QFC, Ralphs, and Smith's.

For a complete listing of Fleet One Accepted Locations, visit Their Site and then click

"Online Directory". http://www.fleetone.com/Local/Local-

Fleet

Guaranteed Business Credit Guaranteed Business Funding

Step 2.4 - Bank Cards

CHARGE CARD AND CASH CARD

SOLUTIONS.

There will be many more business credit cards available to you in Step 5 for business

credit cards. The CSI cards below are designed to quickly open both your Equifax and

Experian business credit files, so we recommend you apply for one of those. The other

two cards simply offer access to quick cash if you qualify.

The CSI Cards listed below can offer a powerful boost to your business credit by

providing a purchasing "line" that only reports to Experian SBR and Equifax Commercial

credit and not on personal credit.

The important features of the CSI Cards:

• The CSI Cards provide a Non-Revolving Credit Account - Charge Card.

• Balance Due in Full each Billing Cycle – No Balance Transfers.

• Good for all business purchases where MasterCard is accepted.

CSI Global Business MasterCard

1. This Unsecured MasterCard reports to all 3 agencies: D&B, Experian and

Equifax.

2. Receive Fuel Discounts at over 25,000+ locations for car, truck and airplane fuel.

3. Relies mainly on business income, cashflow, and time in business to approve.

Guaranteed Business Credit Guaranteed Business Funding

4. If less than 3 years in business, then they check personal for 640 and above.
CSI Global Business MasterCard - Apply
Here
https://www.csi-businessmastercard.com/card-form.html

CSI Global Secured Business MasterCard

1. This PreFunded MasterCard reports to all 3 agencies: D&B, Experian and

Equifax.

2. Perfect for new businesses establishing credit or owners with poor personal

credit
.

3. Any business can be approved for an account immediately, with a $1,000

minimum deposit.

CSI Global Secured Business MasterCard- Apply Here http://www.csi-businessmastercard.com/global-

master-card.html

The Chase Ink Business Card:

Guaranteed Business Credit Guaranteed Business Funding

Is an unsecured credit card that provides true "Off Balance Sheet Financing". It

considers personal credit and business income for initial approval but does NOT report

on your personal or business credit. We offer it is because it can be an excellent source

of working capital.

Here are the basic qualifications:

• The individual listed on the application must have personal scores above 640.

• The applicant's existing credit balances should be less than 60% of their total

credit limits.

• There must be no bankruptcy, liens, judgments or charge offs on the applicant's

reports.
Why do we recommend that you apply for this card?

1. This card is invisible. It reports to no one. Not business or personal.

2. Regular approvals from $5,000 to $50,000 for businesses with cashflow.

3. Only apply if your business has at least $10,000 in monthly income.

4. Any owner or company officer with at least a 640 fico should apply.

Chase "Ink" - Business Credit Card with Ultimate Rewards - Apply Here

https://applynow.chase.com/FlexAppWeb/renderApp.do?PID=CHZ4&SPID=CMJV&CAT=0&CELL=6H90&MSC=&AFFID=5ECz4DD

g8aU-PjPcGjvqDE2.z1yzBvsJdA

The AT&T Card:

Guaranteed Business Credit Guaranteed Business Funding

Is a true unsecured credit card. It checks personal credit scores for initial approval and

only reports on your personal credit. So it does not build business credit. The reason we

offer it is because it doesn't rely on your business financials or history but can still offer

a cash line and is easier to qualify for than most business credit cards.

We anticipate this card will begin reporting on business credit in the future but cannot

guarantee when.
Here are the basic qualifications:

• The individual listed on the application must have personal scores above 640.

• The applicant's existing credit balances should be less than 60% of their total

credit limits.

• There must be no bankruptcy, liens, judgments or charge offs on the applicant's

reports.

The AT&T Universal Business Rewards

Card

Why do we recommend that you apply for this card if you qualify?

1. This card regularly approves for $5,000 and up that you can use like cash.

2. 0% interest (APR) for 6 months on every purchase. After that 10.24% variable

rate
.

3. No minimum time in business or business income requirements.

4. Earn up to 100,000 reward points in a calendar year. And no annual fee.

The AT&T UNIVERSAL Business Rewards Card - Apply Here

http://creditcards.citicards.com/usc/ATT/Business/CreditCard/openmkt/q309pricing/default.htm?BTData=C02127E7460617459544B

4BBEBEB5ACA499918492FAFEF0EEEAC5C2D63C604D6&BT_TRF=679375&BT_CON=73&app=UNSOL&sc=6VGZF3E9&m=X

CJ6Q409C0W&langId=EN&siteId=ATT&B=V&scre enID=3104&link=Consumer%5F220133242&ProspectID=31CE15FEFD52424F8

CF281656901EC29

Guaranteed Business Credit Guaranteed Business Funding

STEP 3 - THE NATIONAL BUSINESS CREDIT AGENCIES

"There is one more foundational Step to go and then you will be ready to obtain vendor

credit lines that will begin building strong business credit

scores."

• In Step 3 we address the three National Business Credit Reporting Agencies.

• In this Step we show you how to get copies of all three of your national business

reports. Then we'll go on to explain what their scoring is based on and how you

will be able to optimize each one.

"There are 3 business credit reporting agencies that are key to your success: Dun
&

Bradstreet, Experian and Equifax. They all issue business credit scores."

Setting up with all three Business Credit Reporting Agencies.

In this Step, we will address your business credit files with all three business credit

reporting agencies...Experian, EquiFax and Dun & Bradstreet. Depending on your

current status, this includes establishing a new file(s) or making sure your existing files

are reporting accurately.

The how-to instructions in this Step for getting set up "the right way" with each Business

Credit Reporting Agency are very clearly spelled out and the methods have been tested

and proven by thousands of our members before you.

The Big 3 Agencies at a Glance

Experian is the most open and accessible. You can easily buy your report online and

there is no fee for setting up your file. Experian Smart Business reports is used by many
credit card companies, vendors, non-traditional lenders, and banks.

Equifax claims that they don't allow business owners to purchase a copy of their

reports. That is true, but we will show how to obtain a free copy of your EquiFax Disclaimer:
The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational purposes
and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded documents)
is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise expressly
indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If you have
receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

business report. Equifax manages the "Small Business Financial Exchange" and is

important to cash lenders such as banks.

Dun & Bradstreet claims that you must pay them anywhere from $329 to $899 or your

business file with them will never be opened. That is simply not the case. We will show

you how to DO IT FOR FREE! Along with some conventional business lenders for

underwriting, D&B is used by many vendors to determine if they will extend your

business net terms, and landlords use them to approve office leases.

In this Step we wipe away all confusion about the Business Credit Reporting Agencies.

Along with being able to access all three of your business credit reports, you will have a

much clearer understanding of the business credit reporting process, including how your

business credit scores are developed.

Personal credit scores range from 300 to 850 with scores of 720+ being considered

excellent. Business credit scores range from 0 to 100 with scores of 75+ being strong.

Our goal for your business is strong business credit scores and our Business Credit

Building System has made that happen for tens of thousands of businesses before

yours. Now let's make it happen for yours too.

Step 3.1 - Experian Smart Business Credit Reports

Guaranteed Business Credit Guaranteed Business Funding

If your company is listed with Experian then your Experian business credit report is

available for you to review for accuracy. Since the point of this program is to build

business credit, purchasing the http://www.smartbusinessreports.com/ plan makes the

most sense. It not only allows you to monitor your business credit profile 24/7, it

provides unlimited access to your up-to-date report and score, along with pro-active

email notifications when any changes occur.

If you find a listing for your company but the data has inaccuracies or needs updating,

Click this Link;

http://www.businesscreditfacts.com/pdp.aspx?pg=SearchForm&lsv to make

corrections to your Experian business credit profile.

If your company does not have a listing yet it is because you have no one reporting your

business payment history to Experian. Don't worry, your Experian business credit file

will open and begin to build as soon as a credit provider reports your first payment. We
provide access to those national accounts which will cause your Experian file to open

within the first reporting cycle (about 30

days).

Experian is an extremely valuable source for business credit because it receives the

majority of its reporting from commercial banks, equipment leasing companies,

revolving business credit card accounts, and many trade vendor lines of credit (Net 30

accounts).

Step 3.2 - Equifax Small Business Financial

Exchange

Your Equifax report is more of a challenge to access.

Guaranteed Business Credit Guaranteed Business Funding

Currently, most U.S. banks report to Equifax on their business loans as well as most

business credit cards that are underwritten by banks. Therefore, by opening accounts

with many of the business credit cards in our system you will also be building your

Equifax small business credit score and

profile.

Accessing Your Equifax Small Business Credit Report

Equifax does not "yet" have a place online where you can order an Equifax Small
Business Credit Report anytime you want. Equifax will only provide you a free copy of

your report under the following scenarios:

By phone... You can call 1-800-727-8495 to be mailed a free copy, but only after you've

applied for business credit under your business name within the last 60 days. So if a

business lender or credit provider has checked your business credit with Equifax

Commercial Reports within the last 60 days, you can call the 800 number to be mailed a

free copy of your Equifax commercial report. Lenders will not pull your Equifax report

without your authorization so you should know exactly when a lender has requested it.

Remember, It does not matter if you are approved or declined, only that you applied for

credit
.

By mail... You can get a free copy of your Equifax commercial report, even if you

haven't applied for any type of business credit in the last 60 days, by simply mailing your

request to:

Equifax Inc.

P.O. Box 740249

Atlanta, GA 30374-0249

Your request letter should say, Please forward to me a copy of the available
commercial

credit report for: and then provide the exact legal name of your business, your business

address, EIN number, business phone number, and owner/officer name. Remember, if

your business is less than 1 year old and you haven't applied for any sort of business

credit yet, there is a good chance an Equifax Commercial file does not exist for your

company. However, even if you haven't applied for any type of business credit under

your company name but your company is more than 1 year old Equifax may have a

commercial file for your business.

Step 3.3 - Dun & Bradstreet

Dun & Bradstreet - Getting Set Up

quickly. Obtaining a Dun and Bradstreet number (D-U-N-S #) begins the process of

building your business credit profile with them. Your D-U-N-S # will also play an

important role in enabling your business to borrow without a personal guarantor.

First things first! You need to run a free FIND A COMPANY search (http://dnb.com/us/

) to see if your company shows

up.

If your company shows up you can test to see if your file is "active" and has an assigned

D-U-N-S # by ordering a copy of your "Company Profile Report". If your file is active you

will be able to see your profile and D-U-N-S number. If it is not, your credit card will not

be billed and it should display, "This business file is not yet active".

Sometimes you can avoid the $12.95 for a Company Profile Report by requesting to

UPDATE YOUR D&B CREDIT PROFILE (https://eupdate.dnb.com/update1.asp ). If

Guaranteed Business Credit Guaranteed Business Funding

D&B approves your request you should be allowed free access to your company's

information and D-U-N-S #.

If your company does not show up or it shows without a D-U-N-S number you have 2

options
:

1. You can elect to pay D&B and... Your business will be assigned a D-U-N-S # within

24 hours and your file will be activated within 5 business days if you purchase their

DUNS FILE CREATOR (http://smallbusiness.dnb.com/establish-my-

business/12305207-1.html ) for $149.

2. You can elect not to pay D&B and... You'll get your D-U-N-S number within 30 days

and your credit file activated within 60 days. Here is how:

1. First you need to apply for the FREE D-U-N-S NUMBER

(https://eupdate.dnb.com/requestoptions.asp )which takes about 15 - 30 days to

receive
.

2. Then once you have your D-U-N-S #, you can open credits account with the

vendors in Step 4 who report to D&B and only require a D-U-N-S #. Keep in mind

that there is a limited amount of these

vendors.

3. Finally your purchase with these initial vendors will take about another 30 days

for the reporting cycle to kick in and activate your file. Once your D&B file is

"activated" more of our vendors and even some business credit cards become

available to you. Now you're off and running!

So The Choice is Yours

You can either pay D&B to get your account activated immediately or take the 60 day

route and save $149. We have told you that the business credit building process takes

90 to 120 days. Paying D&B will not shorten that time-frame because you still need all

three national accounts (Experian, Equifax and D&B) opened and reporting, which will

take the full 90 to 120 days to accomplish. Disclaimer: The material within this e-book is intended as an educational
tool. The medical intended solely for informational and educational purposes and not to substitute professional legal or account advice.
Confidentiality Notice: This PDF (including any attached or embedded documents) is intended for the exclusive and confidential use of the
individual or entity to which this PDF is addressed. Unless otherwise expressly indicated, is confidential and privileged information. Any
dissemination, distribution or copying of this material is unauthorized. If you have receive this transmission in error, please notify us
immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

After Applying For a D-U-N-S Number

You need to revisit the D&B website within 30 - 45 days and run another FIND A

COMPANY (http://dnb.com/us/ ) search. When your company finally shows up just

follow our instructions at the top of this page for "If your company shows up..."

Once you have an open and active file, you can order a copy of your D&B credit report.

We recommend you purchase the DNBi SELF MONITOR MONTHLY

(http://smallbusiness.dnb.com/manage/12303821-1.html ). This is the D&B monitoring

package. It costs $39.00 a month and they require a three month minimum term. You

don't need to do this until you know you have some reporting credit accounts.

Step 3.4 - Business Credit Scoring

Experian's Intelliscore and FAQ's

The measurement for Experian's risk model is the Intelliscore. Click here

(http://www.experian.com/products/pdf/small_business_intelliscore.pdf ) to learn more

about it. Experian also offers a wealth of free information covering just about every

aspect of business credit - from building and improving to scoring, reporting, lending

and
more.

Equifax's Small Business Credit Risk Score

Equifax is more secretive about what their commercial scoring model is based on.

However, it's safe to say a large portion of their risk model is based on making timely

payments (especially early payments) and keeping your profile free from any open
public records, collections, or excessive credit inquiries. The measurement for Equifax's

Guaranteed Business Credit Guaranteed Business Funding

risk model is the Small Business Credit Risk Score. Click here

(http://www.equifax.com/siteAssets/biz/pdf/creditReportPromo.pdf ) to see a sample.

Dun & Bradstreet's Paydex Score

A business Paydex score is tied to your D&B business credit file. Like your personal

FICO score, it is a statistical measurement of your business' creditworthiness based on

reporting trade references and business creditors. In simple terms, a Paydex score of

75 equates to a personal FICO score of 700. You will need a Paydex score of at least

75 to qualify for most business finance programs without requiring a personal guarantor.

In order to reach your goal, you will need to have at least five (5) trade references

"reporting" to D&B that you pay no more than one week slow. Click here

(http://www.dnb.com/us/customer_service/paydex_tables.html ) to learn more about the

Dun & Bradstreet Paydex Score.

*** Special Note

***

When you first start applying for new vendor credit and new credit card accounts your

credit scores will at first go down. This is because the accounts are new and due to

new credit inquiries. This is normal and your scores will rise as your good payment
histories begin to appear.

Guaranteed Business Credit Guaranteed Business Funding

STEP 4 - VENDOR CREDIT (NET 30 DAY ACCOUNTS)

"Let's find
your business five (5) vendor lines of credit for products and services that add
value, save cash flow and build business credit."
In Step 4 you will be acquiring Vendor Lines of Credit that report to the agencies.
If you have done what we instructed in Steps 1, 2, and 3, then your business
is ready to start establishing vendor lines of credit that will report to Dun &
Bradstreet and Experian. You will need 5 of these reporting accounts in order to
optimize your business credit scores. Once you start opening these vendor credit lines
you will see they begin to show under "Current Number of Reporting Tradelines" in your
Business Credit Building Progress box below.
Optimizing business credit requires 5 Vendor Lines of Credit.
A vendor line of credit is when a company (vendor) extends a line of credit to your
business on "Net 30, 60 or 90" day terms. This means that you can purchase their
products or services up to a maximum dollar amount and you have 30, 60 or 90 days to
pay the bill in full. So if you're set-up on Net 30 terms and were to purchase $300 worth
of goods today, then that $300 is due within the next 30 days.
*** Special Note ***
You are seeking to have 5 vendor reporting tradelines. Check your credit history files
with Experian and D&B. If, for example, you already have 2 reporting tradelines then
you need 3 more from this Step, not 5 new ones from this Step. You are looking to get
a TOTAL of 5 before proceeding to Step 5.
Guaranteed Business Credit Guaranteed Business Funding

The Facts About Vendor Credit

1. You can get products and services your business needs and defer the payment

on those for 30 days, thereby easing cash flow. This is called "Net 30".

2. When your first Net 30 account reports your "tradeline" to Dun & Bradstreet, the

DUNS system will automatically activate your file and your number if it isn't

already. This also true for Experian and

Equifax.

3. Many vendors will open a Net 30 terms account for your company with as little as

an EIN number and a verified 411 listing.

4. Always apply first without using your SSN, some vendors will request it and some

will even tell you on the phone they need to have it. Submit first without it.

5. Some vendors may ask you to place an initial prepaid order before they can

approve your business for a Net 30 account.

6. You need to have a total of five Net 30 day pay accounts reporting. Your vendors

do not necessarily have to serve 100% of your business needs.

7. Pay your vendor accounts as close to Net 15 days as possible. The faster you

pay them the better for your business credit scores.

8. You must be patient and allow time for the vendors' reporting cycles to get into

the reporting systems. It typically takes 3 cycles of "Net" accounts reporting to

build credit scores.

9. It takes 120 days for business credit scores to build. The reporting cycles are the

reason for that.

There are over 500,000 vendors extending credit, but less than 6,000 that
report.
Next, you will have the option to access our highly researched database of reporting

vendors. Once you have access, you will be able to see what each vendor requires to

approve your business for credit before you apply.

Guaranteed Business Credit Guaranteed Business Funding

The rules for applying with Vendors are...

1. Always submit each application with your personal information left blank.

2. Then, if any of the Vendors ask for a social security number, be sure to tell them

you want to try qualifying for credit terms based solely on your business

information first

3. In this tightening credit market, it is ok to get declined with a few vendors that

might be changing their guidelines. It's not as damaging as the personal world

where every credit inquiry can hurt. You might have to apply for 6 or 7 accounts

to make that happen, but once you get to five (5) be sure to stop.

Instructions For Using Vendor Credit

Lines

In this Step you will be acquiring 5 vendor credit lines. In your business credit files:

vendors, credit cards, bank loans, vehicle leases are all referred to as "tradelines".

Once you create a tradeline by opening an account with a vendor, you must consistently

use it. For example, when you receive a $500 Net 30 credit line, you must make
purchases from that vendor month in and month out for a period of at least a year. You

will build strong scores in as little as 120 days, but to fully optimize your credit profile

you need to use the accounts longer.

What you should not do is make just one purchase in the first month, then another in

month four and another in month ten. You need to consistently use all your new credit

lines each month. Make purchases and then pay-off those purchases in full at least 5 to

10 days early (by day 20-25 in the case of Net 30 terms) every
month.

**Special Note**

Step 5 is all about obtaining business credit cards. You SHOULD NOT PROCEED to

Step 5 until you have at least three (3) reporting vendor credit tradelines from here in

Step 4. It takes about 30 to 45 days for the reporting vendors to show up on your
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

business credit reports. The reason you SHOULD NOT PROCEED TO Step 5 credit

cards is because most require at least 3 reporting vendor lines in order to approve you!

The "Starter" Vendors listed below will extend Net 30 terms if you simply provide

the following:

1. DUNS number (Doesn't need to be an active account)

2. Federal EIN number

3. An open business bank account under the exact legal name

4. A listing on the national 411 directory

Our members have consistently reported a high success rate of approval with the

vendors below. If they require more than a DUNS, EIN, Bank Account, and 411 Listing

to qualify, please let us

know.

Please check the Starter Vendors you would like to do business with. Pay careful

attention to their approval criteria before you apply.

Starter Set Net 30 Vendors

Company: BitWave
Design

Open a Net 30 Account: Signup Online

http://bitwavedesign.com/files/credit.pdf Service Description: BitWave Design is an all inclusive web design and
promotional services company. Offering web design, development, hosting, tech support and marketing. Reports
To: Experian Getting Approved: BitWave Design is one of our easiest vendors to set up with. They only require
you have an EIN # and a 411 directory listing. Clients report no Duns or Paydex verifications are required. Typically,
they will extend to you $50 - $1000 trade credit from the start. There is no minimum time in business and no
personal guarantee required. Payment Terms: Net 30 Phone: 210-745-2711 Fax: 866-835-7715 Purchase From
This Vendor: Shop Online

http://bitwavedesign.com/

Guaranteed Business Credit Guaranteed Business Funding

Company: ULine Shipping Supplies

Open a Net 30 Account: Signup Online

http://www.uline.com/CustomerService/ULINE_FAQ_Ans.a spx?FAQ_ID=104 Service Description: Uline is the leading distributor

of Shipping, Industrial, and Packing materials, Industrial and Janitorial Products. 99.5% of Uline's orders ship the same day, with no
backorders. Reports To: D&B Getting Approved: Clients report no Duns or Paydex verifications are required. Typically, they will
extend to you $200 trade credit from the start. They check your D&B credit history and there is no minimum time in business
requirement. No personal guarantee required. No credit app required. With first order they have a line of credit they can offer.
Payment Terms: Net 30 Phone: 800-958-5463 Fax: 800-295-5571 Purchase From This Vendor: Shop Online

http://www.uline.com/
Company: Office Max

Open a Net 30 Account: Service Description: Thousands of office products and supplies. Shop for office supplies, office furniture,
copy paper and business technology at OfficeMax.com, the solution for small businesses and home offices. Reports To: D&B and
Experian Getting Approved: OfficeMax is not issuing Business/Corporate Credit Cards at the moment, but your business may
qualify for billable credit. Please contact OfficeMax at 1-877-969-6629 to see if your business qualifies. There have been many
changes recently but if you have been in business for less than a year, they will ask for a personal guarantee. Taxpayer ID (EIN)
number is required. You can also go into your nearest OfficeMax location to apply. Payment Terms: Net 30 Phone: Fax: Purchase
From This Vendor: Shop Online

http://www.officemax.com/

Company: Quill Office Supplies

Open a Net 30 Account: Signup Online

http://www.quill.com/content/iw/site/Help/SiteHelp/ManageMyAcct.aspx#payment Service Description: Quill sells office supplies,

cleaning supplies, packing and shipping supplies, school supplies, printing supplies, and more. From filing and storage to hand held
computers, Quill has a wide range of discounted top name brand products. Reports To: D&B Getting Approved: If you have a
D&B score established you will probably get approved. If you have no credit history then a personal guarantee will be required. They
report your payment history every 45 days. For small orders you can get approved with a listing on 411 directory and have a working
website. New businesses can start out with smaller limits that will increase when you pay on time every month.

Open a Net 30 Account: Signup Online https://sso.dhl-usa.com/sso/Register.asp?hdnSiteId=0 Service Description: With over
220 countries and territories, DHL is the global market leader of the international express and logistics industry. DHL specializes in
providing customers with innovative and customized transportation solutions from a single source. Reports To: D&B Getting
Approved: You can apply online, but you must provide them with a credit card for billing info. If you don't want to apply online and
use a credit card, then call (888)999-2694, and tell them you want to open a business account. You will then be sent an e-mail, you
answer a few questions about how many pkgs you plan on shipping, their avg. weight, the package contents and your basic contact
info. They will then reply back to you again with your DHL account number and all the info you need regarding your approval.
Payment Terms: Net 15 Phone: 800-225-5345 Fax: 888-221-6211 Purchase From This Vendor: Shop Onli http://www.dhl-
usa.com/home/home.asp

Company: Tiger
Direct

Open a Net 30 Account: Signup Online

http://biz.tigerdirect.com/applications/b2 b/request.asp?SRCCODE=WEBBUS&CMP=KAC -BIZCOM

Guaranteed Business Credit Guaranteed Business Funding

Payment Terms: Net 30 Phone: 800-982-3400

Fax: 800-789-8955 Purchase From This
Vendor: Shop Online

http://www.quill.com/

Company: Gemplers

Open a Net 30 Account: Signup Online

http://www.gemplers.com/info/ordering -info.htm Service Description: Gemplers provides workwear products, footwear

products, safety products, tires, shop and maintenance supplies, pest management products, crop, turf and nursery supplies,
ATV, tractor and vehicle. Reports To: D&B Getting Approved: D&B credit history required for net 30 terms right away. If you
have little or no credit history with D&B then they will require prepayment several orders then they will extend net 30 if everything
is payed on time. Reports credit history quarterly, even on prepayment. Payment Terms: Net 30 Phone: 800-382-8473 Fax:
Purchase From This Vendor: Shop Online

http://www.gemplers.com/
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

Service Description: TigerDirect is an online provider for everything electronic, office and digital: Computers, Components,
Communications, Camcorders, Hard Drives, Laptops, Keyboards, Plasma TV's, Power Supply, Printers, Scanners,
Projectors, and much more. Reports To: D&B Getting Approved: To qualify for an open account, you must be in business
and have a bank account for at least 3 years, be listed with Dunn & Bradstreet and have 3 trade references (don't need to be
reporting references). No personal guarantee required. Payment Terms: Net 30 Phone: 888-278-4437 Fax: 305-415-4358
Purchase From This Vendor: Shop Online

http://www.tigerdirect.com/applications/partners/microsite.asp?page=1&Id=GA&SRCCODE=LINKSHARE&cm_mmc_o= -
ddCjC1bELltzywCjC-d2CjCdwwp&AffiliateID=TBs526bHFbc -T2fZPU7TgPUZQwmyIj5Mgw

Company: Radio Shack

Open a Net 30 Account: Signup Online

http://www.radioshack.c om/corp/commercialSales.jsp?clickid=footer_commercial_txt Service Description: Radio Shack is one

of the nation’s most experienced and trusted consumer electronics specialty retailers providing: Computers, Phones and Radio,
Batteries, Cables and Connectors, Toys and Games, and much more. Reports To: D&B and Experian Getting Approved: Call
1-800-442-7221 to get an application. Fill it out and fax back it back to 800-291-6515 Must be in business 1 years. D&B number
required and credit references. No personal gurantee Payment Terms: Net 30 Phone: Fax: 800-291-6515 Purchase From
This Vendor: Shop Online

http://www.radioshack.com/home/in dex.jsp

Company: Crucial Technology

Open a Net 30 Account: Signup Online

http://images.crucial.com/pdf/net30app.pdf Service Description: Crucial is an online source for OEM-quality memory upgrades
direct from the manufacturer. They also provide Flash Cards, USB Drives, Solid State Drives, and Performance DRAM. Reports To:
D&B Getting Approved: First order must be at least $1,000. They will check three (3) of your trade references that do not need to
be reporting reference. Order every 3 months or they may take away Net 30. Payment Terms: Net 30 Phone: Fax: 208-363-5501
Purchase From This Vendor: Shop Online

Guaranteed Business Credit Guaranteed Business Funding

http://www.crucial.com/

Company: AT&T Wireless

Open a Net 30 Account: Service Description: Business Cell Phones, Wireless Net Cards, etc. Wireless from AT&T, formerly
Cingular Wireless, is the largest wireless company in the United States. Reports To: D&B Getting Approved: Require Tax ID
(EIN) and business billing addresss. Pulls D&B Experian Equifax scores. They say their #1 credit bureau they look at is Equifax. If
you do not have Equifax established they will look at others. If less than 1 year in business will require $250 Deposit once paid on
time for 6 months then can add more lines without deposit. New businesses with no credit history may require a PG Payment
Terms: Net 30 Phone: 800-342-3212 ext. 7140 Fax: Purchase From This Vendor:

Company: CompUsa Business

Open a Net 30 Account: Signup Online

http://www.compusa.com/applications/b2b/request .asp Service Description: CompUSA is the online source for: Computers,
Electronics, PC Components and Accessories. And if you need GPS devices, printers, projectors, digital cameras, MP3 players,

media, computer hardware & software they've got it. Reports To: D&B and Experian Getting Approved: To qualify for an open
account, you must be in business and have a bank account for at least 3 years, be listed with Dunn & Bradstreet and have 3 trade
references (don't need to be reporting references). No personal guarantee required. Payment Terms: Net 30 Phone: 800-278-4685
Fax: Purchase From This Vendor: Shop Online

http://www.compusa.com/

Company: Nextel

Open a Net 30 Account: Signup Online http://www.sprint.com/business/ Service Description: Sprint and Nextel have partnered to
bring you Business Cell Phones and Wireless Devices, along with Sprints wireless network. Reports To: D&B (if requested) Getting
Approved: They require a federal EIN number. No personal guarantee. They will also run a credit check on your business. Payment
Terms: Net 30 Phone: 703-433-4000

Guaranteed Business Credit Guaranteed Business Funding

Fax: Purchase From This Vendor: Shop

Online http://www.sprint.com/business/

Company: Staples

Open a Net 30 Account: Signup Online

https://www.accountonline.com/ACQ/RPL/Web/Apply?app=UNSOL&sc=20057&siteId=PLCR_STAPLES&langId=EN
Service Description: Staples is an office products mega-retailer that sells: Office Supplies and Services, Business
Machines, Computers and Related Products, and Office Furniture. Online shopping and ordering available or visit a store
location. Reports To: D&B, Experian and Equifax Getting Approved: They will check with D&B, Experian and Equifax for
your credit history. As long as they can verify a business address, they will typically approve you. The amount of money
they will credit to your account is determined by credit history with the major credit agencies. If there is little credit history,
you will still typically be able to be approved for $750. Will verify 411 directory while your on hold. EIN Required. Users
report that getting this line of credit is very easy. Staples Credit & New Account Dept. (800) 767-1291. Payment Terms:
Net 30 Phone: 508–253–5000 Fax: Purchase From This Vendor: Shop Online

http://www.staples.com/

Open a Net 30 Account: Service Description: AAA Cartridges distributes discounted re-manufactured and compatible laser printer
cartridges, copier toner, ink jet cartridges, fax film, toner cartridges, color laser cartridges, MICR toner and copier drums. Reports To:
D&B Getting Approved: This account has been difficult to determine approval criteria. Therefore if you apply, do so with business
information only. Then please use the FeedBack button to report your outcome. Payment Terms: First order prepaid, next orders
Net 20 Phone: 630-466-5586 Fax: 630-466-5877 Purchase From This Vendor: Shop Online

http://www.aaacartridges.com/

Company: Exquisite Web Designs

Open a Net 30 Account: Service Description: Exquisite Web Designs is a one stop shop offering an array of services to suit your
online needs. Identity solutions, web design, application development and graphic design are offered to satisfy most of today's web or
print based needs. Reports To: D&B and Experian Getting Approved: This account has been difficult to determine approval criteria.
Therefore if you apply, do so with business

Company: Rain Agency LLC

Open a Net 30 Account: Signup Online http://www.rainagency.com/ Service Description: Full service multimedia ad agency.
Print, web, television, direct marketing, and more. Reports To: D&B and Experian Getting Approved: You must send them a
request detailing the type of services you need and that you want to open a credit account. They will check D&B and/or Experian to
check your credit worthiness. Approval varies drastically case to case so it would be best to contact them before you apply to see
what it would take for your business to get approved. Payment Terms: 25% -50% down (negotiable) then Net 30 Phone: 503-944-
6235 Fax: 503-546-3652 Purchase From This Vendor: Shop Online http://www.rainagency.com/

Company: Home
Depot

Open a Net 30 Account: Signup Online

http://www.homedepot.com/webapp/wcs/stores/servlet/ContentView?pn=SV_CC_Commercial_Credit_Main&langId= -
1&storeId=10051&catalogId=10053 Service Description: Home Depot is the world's largest retail provider of Home and
Building Supplies. Whether remodeling your kitchen or purchasing new appliances and power tools, they have you covered.
Shop online or at a location. Reports To: D&B Getting Approved: Commercial Net-30 1-866-875-5490. If after you submit
your application online you get a Reference number and report code, call (866)272-0338 and give them your reference
number. They will check your D&B while you wait (less than 30 seconds) and then give you a $1000 credit line. Paydex
score of 85 or higher is verified if you are rquesting $10,000 or more for an initial credit line. They will ask for a personal
guarantee if your business is less than two (2) years old. Payment Terms: Net 30 Phone: Fax: Purchase From This
Vendor: Shop Online

http://www.homedepot.com/webapp/wcs/stores/servlet/HomePageView?storeId=10051&catalogId=10053 &langId=-1
Guaranteed Business Credit Guaranteed Business Funding

information only. Then please use the FeedBack button to report your outcome.
Payment Terms: Net 90 Phone: 225-302-5872 Fax: Purchase From This
Vendor: Shop Online

http://www.exquisitewebdesigns.com/
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

Company: Orchard Supply Hardware

Open a Net 30 Account: Signup Online

http://www.osh.com/Cultures/en -US/CommercialServices Service Description: OSH Complete hardware, housewares and garden
supplies can only be shopped via their store locations across California. An OSH commercial account includes a project planning partner,
volume discounts, and special order assistance. Reports To: Experian Getting Approved: You need 3 trade references with at least 6
months activity and 1 bank trade. They will consider your application if you have fewer than 3 trades with 6 months of activity. If so, your
credit limit will most likely start out at $300. Requires a personal guarantee in most cases. Payment Terms: Revolving Phone: 866-374-
0431 Fax: 408-629-7174 Purchase From This Vendor: Shop Online

http://www.osh.com/Cultures/en -US?ft=true

Company: Grainger Industrial Supply

Open a Net 30 Account: Service Description: Grainger works with more than 1,300 suppliers to provide customers with: electrical,
fasteners, fleet maintenance, HVACR, hardware, janitorial, material handling, pneumatics, power tools, pumps, and much more. Reports
To: D&B Getting Approved: For less than $1000 credit limit they will pretty much approve everyone. If you want more than $1000 credit
limit, trade and bank references are needed. Call to have application faxed to you or you can apply directly over the phone. To get a line
of credit, you need to either give them your EIN number over the phone or fax them a copy of a business check or your business license.
If you use your EIN number, they will immediately verify your business information against your EIN number and if it checks out OK, you
will contacted back by an account representative within 30 minutes. They will give you your account info and then you can begin ordering.
Payment Terms: Net 30 Phone: 847-535-1000 Fax: Purchase From This Vendor: Shop Online

http://www.grainger.com/Grainger/wwg/start.shtml

Company: Graybar Electric

Open a Net 30 Account: Service Description: Graybar has just about any electrical or communications and data product, component,
or related supplies. Whether it's a lighting project, switchgear upgrade, a local or wide area network, or even a half-mile of electrical
conduit, Graybar has it. Reports To: D&B (only if requested) Getting Approved: No online application available - Must call (909)451-
4902 for an application. Credit references and Duns number will help in getting approved but it is not necessary. No personal guarantee
required unless you are a new business. Payment Terms: Net 30

Guaranteed Business Credit Guaranteed Business Funding

Phone: Fax: Purchase From This Vendor:
Shop Online

http://www.graybar.com/index.html

Company: Ted Thorsen

Open a Net 30 Account: Signup Online

http://www.tedthorsen.com/help.aspx Service Description: Ted Thorsen, LLC is an innovative provider of Material Handling and
Reusable Packaging Products for the dock and warehouse environment. From Carts and Trucks to Bins and Containers, they have it.
Reports To: D&B Getting Approved: An account will be established when you place your first order with Ted Thorsen LLC. Open
account terms of net 30 days after shipment are extended to firms listed and satisfactorily rated by Dun and Bradstreet. If your company is
not rated with D&B, they will need the name and address of your bank plus two credit/trade references. Payment Terms: Net 30 Phone:
570-706-2675 Fax: 570-706-2699 Purchase From This Vendor: Shop Online

http://www.tedthorsen.com/

Company: Aramark Wearguard

Open a Net 30 Account: Signup Online

https://www.aramark-uniform.com/credit-application.html Service Description: Aramark Wearguard provides work place Uniforms,

Coats, Hats, Pants, T-Shirts, Cleaning Supplies, Floor mats and much more. Reports To: D&B Getting Approved: You must call in and
let them know that you will show-up on a Duns search on dnb.com and your business is listed with 411. They should activate your
account then. Payment Terms: Net 30 Phone: 215-238-3000 Fax: 800-436-3132 Purchase From This Vendor: Shop Online

http://www.aramark-uniform.com/

Company: Labor Ready

Open a Net 30 Account: Signup Online

https://www.laborready.com/e-customer/register/RegNewCust.asp

Open a Net 30 Account: Signup Online http://sherlink.sherwin.com/swapp/pro/contact/sales_rep.jsp Service Description:

Manufacturers of coatings for plastics, metal, and wood serving the automotive, aerospace, construction, industrial, and maintenance
coating sectors Reports To: D&B Getting Approved: This account has been difficult to determine approval criteria. Therefore if you
apply, do so with business information only. Then please use the FeedBack button to report your outcome. Payment Terms: Net 20
Phone: 216-566-2000 Fax: Purchase From This Vendor: Shop Online http://www.sherwin-williams.com/pro/index.jsp

Company: Macys

Open a Net 30 Account: Service Description: Macy's corporate sales and services can help you with employee
recognition, customer
Guaranteed Business Credit Guaranteed Business Funding

Service Description: Labor Ready is a leading multinational source of dependable labor for companies in a variety of industries. They
put people to work and enable our clients to achieve greater success. Reports To: D&B Getting Approved: You must be a valid
business entity with a Federal Tax ID to be eligible for an online account. Complete the form and you will receive an e-mail notification
about your application within two business days. Very easy to get approved. No personal guarantee. Payment Terms: Net 7 Phone:
253-383-9101 Fax: Purchase From This Vendor: Shop Online

http://www.laborready.com/

Company: Interstate Batteries

Open a Net 30 Account: Signup Online

https://www.interstatebatteries.com/cs_estore/User/SignUp.aspx Service Description: Interstate Batteries has every battery for

every need: All types of Vehicles, Cell Phones, Power Tools, Wheelchairs, Camcorders, Medical Equipment, Watches, Radios, and
much more. Reports To: D&B Getting Approved: EIN number. You'll can also contact them for Business-to-Business pricing and
terms at: CustomerService@interstatebatteries.com or call 1.800.541.8419. Payment Terms: Net 30 Phone: Fax: Purchase From
This Vendor: Shop Online

http://www.interstatebatteries.com/cs_estore/
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.
appreciation, company dress code programs, and special holiday and thank you gifts. Reports To: D&B Getting Approved:
You must have a D&B score which they will compare to your industry average to decide on approval.Banking references
might also be required. No personal guarantee for corporate accounts. They would prefer a business 2 years old or more. To
apply, go into the store and find the customer service desk. Their business accounts vary so the credit you can get will
depend on the nature of your business. Payment Terms: Net 30 Phone: Fax: Purchase From This Vendor: Shop Online

http://www.macys.com/

Company: Border's Books Corporate Account

Open a Net 30 Account: Signup Online

http://www.borders.com/online/store/GroupSavingsServicesView?pageName=DeferredBillingAccountContent Service Description:

Borders offers the most relevant assortment of books, music and movies. Hundreds of thousands of titles to choose from and purchase
online. Reports To: D&B Getting Approved: Three keys to approval: Time in business (24 or more months), Size of company (greater
than 10) and Paydex score (70 or higher). Will consider a 60 Paydex, but the initial credit limit is greatly reduced. Search D&B for good
payment history (around 2 years) Credit limit usually between 2-5k Payment Terms: Net 30 Phone: 734-477-1100 Fax: Purchase From
This Vendor: Shop Online

http://www.borders.com/online/store/Home

Company: Budget Corporate Account

Open a Net 30 Account: Signup Online

http://affiliate.budget.com/BudgetPromoApps/corpEmail/CorpEmail.jsp Service Description: Budget Car Rentals for your small business
or mid-sized company. Budget offers unique programs and services to help your company save money and time. Reports To: D&B
Getting Approved: Requries TIB 2+ Years, 411 listing under Corp Name, and 20 employees Expects that you will do minimum of $3,500
a year Rent about 4-5 times a month. Takes up to 3 weeks to get set up. 866-671-7176 Ext 1108. Payment Terms: Net 30 Phone: 800-
526-6406 Fax: Purchase From This Vendor: Shop Online

http://www.budget.com/budgetWeb/home/home.ex
Guaranteed Business Credit Guaranteed Business Funding

Company: Bags and Bows

Open a Net 30 Account: Service Description: Bags & Bows is the premier source for retail packaging supplies including shopping
bags, tissue, gift wrap, ribbon and bows. They offer many exclusive designs and a vast selection of coordinating products. Reports To:
D&B Getting Approved: You must call in and let them know you are in a Duns search on dnb.com and your file is in 411. They will check
your Paydex. On some occasions they will give you Net 30 on the first order. If not, you can just prepay your first order and get Net 30 for
following orders. Payment Terms: Net 30 Phone: 1-800-225-8155 Fax: 800-328-5146 Purchase From This Vendor: Shop Online

http://www.bagsandbowsonline.com/shopdeluxe/home/home.jsp
Company: Cabela's

Open a Net 30 Account: Service Description: Cabelas is the largest mail-order, retail and Internet outdoor outfitter in the world. Their
online superstore includes Hunting, Fishing, Boating, Camping and overall Outdoors Apparel and Gear. Reports To: Equifax Getting
Approved: Their purchase order approval process is to fax or email you an application. They require a Duns #, but no score. Call 800-
243-6626. After 3 months of on time payment you can ask for a credit increase. Payment Terms: Net 30 Phone: 308-255-5505 Fax:
308-255-6680 Purchase From This Vendor: Shop Online

http://www.cabelas.com/home.jsp;jsessionid=D5NZJ1TJTBQUBLAQBBISCOFMCAEFEIWE?_requestid=20278

Company: Mr. Art Art Supply

Open a Net 30 Account: Signup Online http://www.misterart.com/net30/ Service Description: MisterArt.com is a full service arts and
crafts supplier for acrylic paint, easels, artist canvas, brushes, watercolors, markers and more. Reports To: D&B Getting Approved:
Organizations with a suitable Dun & Bradstreet rating or credit history may apply for a MisterArt.com net 30 account. Payment Terms:
Net 30 Phone: Fax: 800-721-3191 Purchase From This Vendor: Shop Online http://www.misterart.com/

Guaranteed Business Credit Guaranteed Business Funding

Step 5 - National Revolving Business Credit Cards

"To build strong
business credit scores with all three business credit reporting agencies,
your business needs a total of three (3) revolving credit card accounts."
In Step 5 you will be obtaining Business Credit Cards.
REMEMBER TO ENTER STEP 5 You Should First Have At Least Three (3) reporting
vendor credit lines reporting in the Business Credit Building Progress box below. That
normally takes about 45 days for those to appear on your reports. If you were to apply
for business credit cards before that, you would get declined.
"To build strong business credit scores with all three business credit reporting agencies,
your business needs a total of three (3) revolving credit card accounts."
You must have 3 Revolving Credit Card accounts that report.
A revolving credit account is one that allows you to pay a "minimum due" per month and
not the full outstanding balance. These accounts normally report to Experian and
sometimes to D&B and EquiFax. Because of how they report, these accounts will help
build your business credit on a larger scale than just the Net 30 day vendors alone
There Are Things You Must Know Before Applying
Why? Because if you don't, your business will most likely get declined for business
credit cards.
These accounts will be checking to see that your business credit foundation is set and
that your business credit files are open with at least Experian and D&B. That means you
need to have vendor credit line providers that are already reporting.
Guaranteed Business Credit Guaranteed Business Funding

Hopefully you subscribed to Experian's Credit Advantage, or you can click this link

http://www.smartbusinessreports.com/Landing/1217/ , input a partial various of your

business name; so you view more listing where you can confirm you have at least 3

reporting tradelines before proceeding. (For Example; Matrix Funding Pro, Chicago Il./

you will enter Matrix, Chicago Il.) You will also need to have your D&B credit file number

(D-U-N-S #) available because some of these card providers will require it. You can pre-

select credit cards but do not apply until your business is ready.

*** Special Note

***

You are seeking to have a total of 3 reporting business credit card (revolving) accounts.

Check your credit history files with Experian and D&B. If, for example, you already have

1 revolving tradeline reporting then you need 2 more from this Step, not 3 new ones

from this Step. You are looking to get a TOTAL of 3 business credit card
accounts.

There are over 500 business credit cards in the U.S., but less than 70 of them report

solely on business credit and do not show up on your personal credit reports. Next, you

will have the option to access our highly researched database of reporting business

credit cards. Once you have access, you will be able to see what each card provider

requires to approve your business before you apply.

Stop!! Do not apply with any of these credit card providers until you have verified

that your Experian and Dun & Bradstreet business credit files are open and that

you have at least 3 reporting tradelines in each for a period of more than 30 days,

or you will get declined.

The rules for applying with Revolving Accounts

are...

1. Always submit each application with your personal information left blank.

2. Then, if any of the revolving accounts ask for a social security number, be sure to

tell them you want to try qualifying for credit terms based solely on your business

information first. Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely
for informational and educational purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF
(including any attached or embedded documents) is intended for the exclusive and confidential use of the individual or entity to which this
PDF is addressed. Unless otherwise expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying
of this material is unauthorized. If you have receive this transmission in error, please notify us immediately, and delete the original message.
Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

3. In this tightening credit market, it is ok to get declined with a few accounts that

might be changing their guidelines. It's not as damaging as the personal world

where every credit inquiry can hurt. You might have to apply for 4 or 5 accounts

to make that happen, but once you get to three (3) be sure to stop.

Typically, these preferred Revolving Accounts will approve your business if you provide

the following:

• Active DUNS number account with at least 3 reporting tradelines.

• Experian BIS file open with at least 3 reporting tradelines.

• Federal Employer Identification Number (EIN)

• An open business bank account under the exact legal name

• A listing on your local and the national 411 directory

Our members have consistently reported a high success rate of approval with the

revolving credit accounts below. If they require more than a DUNS, EIN, Bank Account,

and 411 Listing to qualify for approval, please let us know by clicking the "Feedback"

link at the bottom right.

Check the Revolving Credit Providers you would like an account with. Pay careful

attention to their approval criteria before you apply.

Company: Staples

Open an Account: Apply Here

http://www.staples.com/sbd/cre/programs/credit/ Getting Approved: Will verify 411 directory while your on hold. EIN
Required. Users report that getting this line of credit is very easy. Checks for business credit files being opened. Checks to
see if your business name and address matches your 411 listing. If your business does not have business credit established
they will set you up with a smaller "starter" line of credit. Staples Credit & New Account Dept. (800) 767-1291. Terms:
Revolving Years In Business Required: PayDex Score Required: No Tips: Comments: Phone:

Guaranteed Business Credit Guaranteed Business Funding

Fax: Purchase From This Account: Shop

Online

http://www.staples.com/

Company: Home Depot

Open an Account: Apply Here

http://www.homedepot.com/webapp/wcs/stores/servlet/ContentView?pn=SV_CC_Commercial_Credit_Main&langId= -
1&storeId=10051&catalogId=10053
Getting Approved: Commercial Revolving 1-866-875-5489. Users have reported that Home Depot requires a D&B score of at least
75 for a credit card to be issued if you are a startup business. They will ask for personal guarantee if your business has little or
no credit history. Paydex score of 85 or higher is verified if you are requesting $10,000 or more for an initial credit line. EIN
number required. Requirements are very similar for the revolving account and the net 30 account. Terms: Revolving & Net 30
Years In Business Required: PayDex Score Required: No Tips: Application online takes longer since you have to wait to
receive your card. If you apply in store they will know right away if you're approved and can give you a temporary pass.
Comments: You card gets mailed to you in 7-10 business days. If you need to go to Home Depot before you get your card in
the mail, then write down your reference number and give it customer service at Home Depot. They will issue you a temporary
"Purchase Pass" that will allow you to shop for the day. The charges will appear on your credit statement. This card will also
work at their Expo Design Center which is owned by Home Depot. Phone: Fax: Purchase From This Account: Shop
Online

http://www.homedepot.com/webapp/wcs/stores/servlet/HomePageView?storeId=10051&catalogId=10053&langId= -1

Company: Office Depot

Open an Account: Apply Here

http://www.officedepot.c om/renderStaticPage.do?file=/creditcard/creditcard.jsp&template=customerService Getting

Approved: Little or no business credit requires personal guarantee. Even with PG they report in business name only except
with default. Spending amount is based off credit scores. Requires trade references and D&B score. You can apply online.
Terms: Revolving account, net 30 Years In Business Required: PayDex Score Required: No Tips: When you fill out the
application you can choose to leave the personal guarantee field blank. However, you will have to resubmit an application in
the store or by fax if you do not get approved on business credit alone. If you do fill out the PG section they will still first check
your business credit. If it is not sufficient only then will they will use the PG. Comments: After submitting online, they will
notify you in writing of your approval with 7-10 business days Phone: 800-729-7744 Fax: 800-762-1329 Purchase From
This Account: Shop Online

Guaranteed Business Credit Guaranteed Business Funding

http://www.officedepot.com/storeFront.do?N=300685+100000

Company: Exxon/Mobil

Open an Account: Apply Here

https://www.accountonline.com/ACQ/RPL/Web/Apply?app=UNSOL&sc=20415&siteId=PLOF_EXXONMOBIL&langId=EN
Getting Approved: Members approved for $2,500 with Duns only - no PG. Also approved with no pre-set limits. Terms:
Revolving Years In Business Required: 6 months PayDex Score Required: Yes Tips: Fill in online application, print it and
then fax it their credit dept. Comments: For corporations in business less than 6 months, and all partnerships and
proprietorships, a Personal Guaranty is required from the owner, general partner, or authorized officer of the company. Phone:
Fax: 866-533-0528 Purchase From This Account: Shop Online

https://www.citibank.com/us/cards/exmbl/index.jsp

Company: Shell Gas Card

Open an Account: Apply Here

https://www.citibank.com/us/cards/shell/index.jsp Getting Approved: Minimum credit scores: D&B 70 Experian 650 No

personal guarantee with business credit history established. Newer businesses with no credit history can provide a personal
guarantee. Terms: Revolving Years In Business Required: PayDex Score Required: Tips: Comments: Phone: 713-241-
6161 Fax: Purchase From This Account: Shop Online

http://www.shell.us/

Company: TSC Tractor Supply

Open an Account: Apply Here https://www.accountonline.com/ACQ/RPL/Web/Apply?

app=UNSOL&sc=20301&siteId=PLCR_TRACTORSUPPLY&langId=EN Getting Approved: Members have reported getting
approved with just the basics. EIN, 411 listing, business bank account, Duns number and/or Experian file. Apply online and call for
status 800-559-8232. Reports your good payment history on the 1st of each month. Minimum time in business generally 2 years.
Terms: Revolving Years In Business Required: 0

Guaranteed Business Credit Guaranteed Business Funding

PayDex Score Required: 65 Tips: Buy yourself some tools, a pocket knife or a cowboy hat on account if you don't need tractor
supplies. Comments: If you are a new business with no D&B rating yet, then a personal guarantee will be required. You can
also apply directly in each store and then mail the application to their corporate office. Phone: Fax: 615-366-4744 Purchase
From This Account: Shop Online http://www.tractorsupply.com/

These accounts will all report on your business credit, but there is a catch. Most of them

will require a personal guarantee and will check your personal credit scores for initial

approval. However, the actual accounts do not typically show-up on your personal credit

reports. Members have reported approvals with FICO scores of 660 and above.

These cards in particular will create a hard inquiry on your personal credit. We strongly

recommend that you do not apply for more than two at any one time.

Please select the Revolving Credit Providers you want an account

with.
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.
Company: Chase Business Cash Rewards Card

Open an Account: Apply Here

http://links.ncsreporting.com/OtherOffers.html Getting Approved: To open a business credit account your business

must be registered in one of the states that Chase is located, including (but not limited to) NY, NJ, CT, & CO. Initial
approval is based on personal credit in most cases (640 Fico and above). Terms: Revolving Years In Business
Required: PayDex Score Required: Tips: Comments: Reports pay history to business credit agencies. Initial
approval is based on personal credit in most cases (640 Fico and above). Earn up to 5% cash back with unlimited
rewards potential. 0% Intro APR for up to 12 months. Pay No Annual Fee. Phone: Fax:

Company: AMEX SimplyCash Business Card

Open an Account: Apply Here

Guaranteed Business Credit Guaranteed Business Funding

http://links.ncsreporting.com/OtherOffers.html Getting Approved: Initial approval is based on personal credit in most

cases (640 Fico and above). They will look your corporation's D&B, Experian, or Equifax scores when considering
your application. No minimum time in business is required, however a personal guarantee from a single person is
required no matter how many others are added to account. Terms: Revolving Years In Business Required:
PayDex Score Required: Tips: Comments: Phone: Fax:
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.
Company: Capital One Business

Open an Account: Getting Approved: Business and personal information is reported to business credit to bureaus.
No minimum time in business requirement. They look at your Experian credit score first. Initial approval is based on
personal credit in most cases (640 Fico and above). Personal Guarantee Required Terms: Revolving Years In
Business Required: PayDex Score Required: Tips: Comments: Phone: Fax:

Company: Citi Business

Open an Account: Getting Approved: D&B or Experian credit histories are considered when applying for a line of
business credit. A personal guarantee is also required. No minimum time in business requirement, but if D&B or
Experian scores are not high enough then they will look at personal credit scores, which could possibly offset
insufficient D&B/Experian scores. Initial approval is based on personal credit in most cases (640 Fico and above).
Terms: Revolving Years In Business Required: PayDex Score Required: Tips: Comments: Phone: Fax: 605-357-
2092

Company: Discover Business

Open an Account: Apply Here

http://www.discovercard.com/business/?gcmpgn=08 01_gh_sb_txt
Guaranteed Business Credit Guaranteed Business Funding

Getting Approved: Initial approval is based on personal credit in most cases (640 Fico and above).
Terms: Revolving Years In Business Required: PayDex Score Required: Tips: Comments: Phone:
Fax:
Company: Key Bank

Open an Account: Apply Here https://www.key.com/pdf/KeyOnlineBusApp.pdf Getting Approved: Approval or

Denial seems random. Some members have reported being approved without personal info. Key bank says no
approvals without personal guarantee and Fico above 640. They will also check your debt to income ratio. We
suggest you apply without personal information and see what happens. Apply through mail or print it online and fax it
in. Terms: Revolving Years In Business Required: PayDex Score Required: Tips: Comments: Phone: Fax: 800-
733-2494

Step 5.3 - Revolving Accounts for Office Resources & Supplies

Open an Account: Getting Approved: Must be in business for about two years depending on situation. Personal
guarantee required in most cases. If you have credit history with D&B they will look at that before approving or
declining your application. They may also look at your: Debt to income ratio Business Profitability Call 800-481-8277 to
apply by phone. Rates are better when you apply by phone and you get your card faster as opposed to applying
online. Terms: Revolving Years In Business Required: PayDex Score Required: Tips: Comments: Phone: Fax:

Company: Best Buy

Open an Account: Getting Approved: They will check D&B or Experian and require two credit references.You can
apply in their
Guaranteed Business Credit Guaranteed Business Funding

stores for a commercial account or print their application from the website. If you have been incorporated for less
than 2 years they will require a personal guarantee. Terms: Revolving & Net 30 Years In Business Required:
PayDex Score Required: Yes Tips: If you apply in the store, you may get instant approval. Otherwise, applying
via fax will take around 4 hours after you fax them your application. Comments: They report your payment history
monthly to both D&B and Experian. Phone: Fax: Purchase From This Account: Shop Online

http://www.bestbuybusiness.com/bbfb/en/US/adirect/bestbuy?cmd=BBFBCreditInfo

Open an Account: Apply Here

https://www.amazon.com/gp/corporate?ie=UTF8&ref=ib_mk_ol&login -action=new Getting Approved: Based on a

review of credit history with D&B. Personal guarantee is required. 5 reported second approvals when asking for
$500. Some home based businesses have been declined as well as some companies younger than 6 months with
no D&B file and/or without any trade activity. Terms: Revolving Years In Business Required: 0 PayDex Score
Required: Tips: On Corp. Accts Home page Apply/No Personal Guarantee, Without Paydex they will call within 1
day. Ask for under $1k. Comments: Credit limits start at $500 and usually max out at $2500. All new accounts get
called back by Amazon.com to verify their authenticity and approval is given via telephone. Customer service
contact is a Citibank employee that works on behalf of Amazon.com. Phone: Fax: Purchase From This Account:
Shop Online

http://www.amazon.com/

Company: DELL

Open an Account: Apply Here http://www.dellfinancialservices .com/Pages/DBC.aspx Getting Approved: Members

regularly approved for $10k with Paydex of 75 or above. We recommend you do not apply until your business credit
scores have been initially established and you have been in business at least 6 months. Terms: Lease up to 60
months Years In Business Required: PayDex Score Required: 70 or above Tips: They do not necessarily check all
3 agencies for approval or report to all 3 agencies. The credit agency used varies case to case. You will need to sort
this out when you apply. Comments: To apply, they require current employer name, SSN, birth date, mother's
maiden name and identification numbers (Driver's license, state ID, passport, etc.)
Guaranteed Business Credit Guaranteed Business Funding

Phone: 866-413-3355 Fax: Purchase From This

Account: Shop Online http://www.dell.com/

Revolving Accounts for Building & Decor Supplies

Open an Account: Apply Here

https://www.onlinecreditcenter2.com/EApplyCommercial/load.do?cHash=5468598762&siteCode=Home0107 Getting
Approved: Apply online for approval with D&B number generated members report approvals of $1k. With a Paydex
score of 85 or above, Members report $5k approvals. Less than 5 years requires personal guarantor unless a good
D&B and/or Experian score is established. May still require a PG on some occasions. EIN number also required.
Terms: Revolving Years In Business Required: PayDex Score Required: Tips: If declined go into store and ask for
manager to call, many approved. Or re-apply in a few weeks when more trades post. Comments: If you need to call
and talk to someone live, just keep hitting the 0 key on the phone and let it not understand your entries. This will cause
you to transferred to one of their reps. A personal guarantee is required by an owner/officer or other authorized
individual if you are (1) a partnership or proprietorship or (2) a corporation that has been in business less than three
(3) years. Can get approved in as little as 45 seconds after submitting online or they may mail a letter Phone: Fax:
Purchase From This Account: Shop Online

http://www.lowes.com/

Company: JC Penney

Open an Account: Apply Here Getting Approved: Paydex score required with no delinquencies. 72 hours to
process after sending fax. Notification of approval comes via mail with cards unless you call. You will need an EIN
number. Sometimes PG is required, usually with little or no credit history established. Terms: Net 30 Years In
Business Required: 0.5 PayDex Score Required: 45 Tips: Fax application back to (800) 290-9338. Dollar weighted
average. Paydex must be higher than 45. Comments: Cannot apply in the store. Phone: Fax: 972-881-6688
Purchase From This Account: Shop Online

http://www.jcpenney.com/jcp/default.aspx
Guaranteed Business Credit Guaranteed Business Funding
Company: Ikea

Open an Account: Apply Here http://www.ikea.com/ms/en_GB/small_business/services/finance.html Getting

Approved: You only need to fill out company information on application. With good business credit established with
D&B there is no personal guarantee. Even with little or no business credit they will look at your business banking
history and you still have a chance of no PG. Otherwise, a PG is required. Terms: Net 45 Years In Business
Required: PayDex Score Required: Tips: Comments: Phone: Fax: 866-787-7002 Purchase From This Account:
Shop Online

Revolving Accounts for Gas Stations & Fleet

Management

Open an Account: Apply Here

http://www.citibank.com/us/cards/srs/apps2dwnld/commercial1.pdf Getting Approved: Approval is a case by case

basis. No specific business credit minimum. Strong business credit files will not require a personal guarantee. If you
have been in business less than 2 years then they require a PG. Takes about 120 days for them to report your good
payment history. Terms: Revolving & Net 30 Years In Business Required: 2 PayDex Score Required: Yes Tips:
800-599-9710 Commercial Accounts, Go into store ask for Business application fax in, leave PG blank, SSN area
blank Comments: Print application from website and then fax it to (800) 599-9709. Phone: Fax: 800-599-9709
Purchase From This Account: Shop Online

http://www.citibank.com/us/cards/srs/commercial1.jsp
Company: Ford Business Credit

Open an Account: Apply Here

http://www.fordcredit.com/comlend/fcus_bus_credit_app.pdf Getting Approved: This account has been difficult to

determine approval criteria. Therefore if you apply, do so with business information only. Then please use the
FeedBack button to report your outcome. Terms: Revolving Years In Business Required: PayDex Score Required:
Guaranteed Business Credit Guaranteed Business Funding

Tips: Comments:
Phone: Fax: 801-
743-2040
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.
Company: GMAC Commercial

Open an Account: Getting Approved: This account has been difficult to determine approval criteria. Therefore if you
apply, do so with business information only. Then please use the FeedBack button to report your outcome. Terms:
Revolving Years In Business Required: PayDex Score Required: Tips: Comments: Phone: Fax:

Company: Sinclair Oil Gas Card

Open an Account: Getting Approved: Two options: Commercial account gas card- can use only with sinclair
stations. Commercial Fleet account- more control over cards, limits per card, use at any gas station. No personal
guarantee with business credit history established. PG required for newer business with no credit history. No
bankruptcies. Terms: Revolving Years In Business Required: PayDex Score Required: No Tips: Comments:
Phone: Fax:

Company: Speedway Super America

Open an Account: Apply Here

http://www.superfleet.net/ Getting Approved: At least 1 year in business. However, see tips if you been in business
less than 1 year. Terms: Revolving Years In Business Required: 0-1 PayDex Score Required: No Tips: If you
have been in business less than a year, you can get approved. When asked what your expected monthly usage will
be, give them a low dollar amount, usually less than $200 per month. That will greatly affect the approval decision.
However, as of 10/1/2005 users have been reporting that a personal guarantee is now required for start up
businesses. Comments: Phone: 937-864-3091
Guaranteed Business Credit Guaranteed Business Funding

Fax:
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.
Company: Union 76 Commercial Card

Open an Account: Apply Here Getting Approved: 2-3 trade references, 1 bank reference, duns check done on
larger businesses. With little business credit history, you can get approved with no personal guarantee by providing
2 years of financials. Otherwise a PG is required. Apply by fax, phone, or online. Terms: Revolving Years In
Business Required: PayDex Score Required: No Tips: Comments: Phone: Fax:

Company: Chevron/Texaco Gas Card

Open an Account: Apply Here

https://www.chevrontexacobusinesscard.com/apply -now.aspx Getting Approved: Need a Paydex of 75, been in

business for at least 1.5 years to avoid a personal credit check, but no personal guarantee. Terms: Revolving Years
In Business Required: 1.5 PayDex Score Required: Yes Tips: If you have been in business less than 18 months,
they will pull your personal credit. If you apply online, fill in the personal information section. If you have been in
business more than 18 months and you apply online, do NOT give them your SSN, home address, etc. Put your
business address information, etc. in the fields and enter all 1's or 5's or some obvious bogus SSN so that the form
will be accepted. Your other choice is to call them and have them fax you an application, then you can fill in the
relevant info omitting the personal stuff and then faxing it back to them without it. Comments: Approval/cards are
usually received in 7-10 business days. Phone: Fax: 888-839-0012

Company: Wright Express Fleet Card

Open an Account: Apply Here

http://www.wrightexpress.com/Cards/card -products2.htm Getting Approved: You need to have some business

credit history before you apply for this card. A personal guarantee will be required if you have no business credit.
They check your D&B and Equifax file. Terms: Revolving Years In Business Required: 3 PayDex Score
Required: Yes Tips: 888-842-0075 ext. 3 to apply for a card.
Guaranteed Business Credit Guaranteed Business Funding

Comments: Phone:
207-773-8171 Fax:

Revolving Accounts for Major Retail & Specialty

Providers

Company: Walmart

Open an Account: Apply Here

https://www.onlinecreditcenter2.com/walmart/BusAccountPrintApp.html Getting Approved: Apply in
store. Skip the SSN# line, will typically get approved with Paydex score of 75 or higher. Terms:
Revolving Years In Business Required: PayDex Score Required: Yes Tips: Ask store manager
for business app, he'll need to fax application into corporate. Comments: 1-800-411-7942 7:30-
5:00pm Central Phone: 800-925-6278 Fax: Purchase From This Account: Shop Online

http://www.walmart.com/

Open an Account: Apply Here

http://www.walmart.com/ Getting Approved: No personal guarantee required if you have business credit
established. PG required for businesses with little or no business credit. EIN number required. Terms: Revolving
Years In Business Required: 2 PayDex Score Required: Tips: A personal guarantee is required if your business is
less than 2 years old, or your business is a partnership or sole proprietorship. Comments: Online application must be
printed and signed and then returned to your nearlest Sams Club. Do not mail the application to Sams Club. Phone:
Fax: Purchase From This Account: Shop Online

http://www.samsclub.com/shopping/index.jsp
Guaranteed Business Credit Guaranteed Business Funding
Open an Account: Apply Here

https://www201.americanexpress.com/sbsapply/EACQServlet?reques t_type=applyNow&bos=b&eep=7838&ct=200
Getting Approved: Initial approval is based on personal credit in most cases (640 Fico and above). Terms: Revolving
Years In Business Required: PayDex Score Required: Tips: Comments: Phone: 800-220-8592 Fax: Purchase
From This Account: Shop Online

https://www.costco.com/Service/FeaturePageLeftNav.aspx?ProductNo=10166066

Company: Neiman Marcus

Open an Account: Getting Approved: You must call your local store and apply directly through them. Businesses
older then 2 years have reoprted being approved with no personal guarantee. Less than 2 years in business they are
asking for personal information. Try submitting without it. Terms: Revolving Years In Business Required: 2 PayDex
Score Required: No Tips: Comments: Phone: Fax: 214-573-5320 Purchase From This Account: Shop Online
http://www.neimanmarcus.com/

Step 6 - Bank
Credit

In Step 6 we look at how a banking relationship impacts business credit.

When it comes to true business loans and large amounts of business financing, that is

where your business banking relationships comes into play. In this Step we will be

breaking that down and showing you how to optimize it for larger business loans at

better rates in the future.

Guaranteed Business Credit Guaranteed Business Funding

"Your business bank account does not impact your ability to build business
credit
scores, but it is a key factor in getting approved for larger loans."

Solid Bank Credit makes your business credible in the eyes of lenders.

In this step, we will walk through the main components of Bank Credit which are:

• Your Business Bank Account

• Your Bank Rating Number

• Obtaining Your First Business Bank Loan

Your overall Bank Credit consists of your Account (name and history), your

Rating, and your actual Credit (Bank Loan or Line of Credit). Let's address your

Account first. Specifically, your business banking name and

history.

Banking
Name

The first step in establishing positive Bank Credit is to make sure that your business

name and mailing address, as listed on your business bank account(s), matches exactly

with how your business name and address appear on your legal paperwork that has

been filed with the State. It must also match exactly with the name and address that

appear on any Federal EIN paperwork. If it does not match GET IT CORRECTED

IMMEDIATELY
.

Banking
History
Most lenders determine the age of your business by the date you first opened your

business banking account and not the date that appears on your Incorporation, LLC, or

Guaranteed Business Credit Guaranteed Business Funding

EIN paperwork. The date you filed paperwork is of no concern to lenders or to the
business credit agencies. Everything in business lending and business credit starts from
the day you open your business bank account.
Your business banking history is vital to your future success of being able to secure
larger business loans. Lenders will look to see how long that relationship has been
established, so once you get your account set-up and/or corrected DO NOT MOVE
BANKS. The longer your business banking history, the better your borrowing potential.
Step 6.1 - Bank Ratings
Banks have a Rating System that is a critical part of your Bank Credit.
Your business bank account reflects how you manage your cash flow. Lenders want to
know that your business cash flow is capable of handling the business debt and
expenses on a consistent basis. Bank accounts with low average daily balances, or that
show many NSF returned checks, can get your business loan applications declined.
If a loan amount requires a $1,000 a month payment then lenders need to see at least a
"Low 5" bank rating. Your "Bank Rating" is based on your average daily minimum
balance over the last 3 months.
Account Balance Bank
Bank Rating
Account Balance
Rating
Low 4 $1,000 - $3,999 Low 5 $10,000 - $39,999
Mid 4 $4,000 - $6,999 Mid 5 $40,000 - $69,999
High 4 $7,000 - $9,999 High 5 $70,000 - $99,999
Bank ratings consist of three components...
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purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

1. The first component is your balance rating. This rating is your average minimum

balance maintained in your account over a three (3) month period. $10,000 will rate as

"Low 5", $5,000 rates as "Mid 4", $999 rates as "High 3", and so on. You need to

maintain a minimum "Low 5" bank rating ($10,000) for at least 3 months. Unfortunately,
without at least a "low 5" rating, most lenders will assume your business has little ability

to repay.

2. The second component is the bank rating cycle which is three (3) months. You'll

want to have at least a low 5 for the three months prior to applying for larger loans.

3. The third and final component has to do with how you manage the account. NSF

(bounced) checks destroy bank ratings. From this point forward, NSF checks

are something you cannot

allow.

How To Get a Low 5

If you don't have the $10,000 required for the low 5 rating, consider borrowing it from

friends or family. Maybe pull it off personal credit cards or out of the equity in your

home. If you borrow it from friends or family, explain to them you will not be "using" the

money but that it will just be sitting in your business checking account. Tell them you

can return it to them in six (6) months. Maybe offer to pay interest. In the steps that

follow, we will be looking at other creative ways to get the money you need.

Don't Have $10,000?

Bank ratings are totally separate from building business credit and in no way effect your

ability to build strong scores. So if you don't have the $10,000, or can't get access to the

$10,000, to secure a Low 5 Bank Rating it will have no impact what-so-ever on your

Guaranteed Business Credit Guaranteed Business Funding

ability to build strong business credit scores. Bank ratings do have an impact on

your ability to secure larger business loans and lines in the future. So remember that

when your business starts making money you should keep your daily balance above

$10,000 in order to maintain at least a Low 5

Rating.

Step 6.2 - Bank CD Loan

Obtaining your first Bank Business Loan is finding The

Grail!

Getting your first business loan from a bank can seem like an impossible task. The

majority of the business loan applications at banks get declined because banks won't

lend to just anybody ... or will they?

The one bank loan provides a powerful boost to building business credit fast. The

business bank loan needs to be in the exact name of your company. It should be under

your Federal EIN and report to the business credit agencies, specifically Equifax and

Experian
.

So how do we accomplish this? Under this Bank Loan Program you will be securing a

business loan with a certificate of deposit (CD) at the bank that is extending the

business loan. You'll make a deposit into a CD account at an SBA preferred lending

bank. Then, you receive a business loan for 100% of the value of the CD.
This process works very well and works every time so long as your personal credit is

"ok". The bank is not basing your business loan on your personal credit, but if your

FICO scores are in the low 500 range they may not do this deal for you. If your scores

are low it is best to try smaller business banks and talk to an individual banker first.

So where does your deposit come from? We are not talking about a large amount of

money. You can start with as little as $5,000. There are many creative ways to acquire
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

the money you need for the bank CD deposit: family, friends, savings, garage sales, or

any of the creative funding programs in the steps that

follow.

The Features of Secured Bank Loan

• It will appear on your business credit report just like any other loan.

• There will be no note in the file, or on credit reports, that show it as "secured".

• It will make your business credit report stand out to other lenders and

creditors who obviously know how difficult it is to get a business bank

loan.

A Helpful Suggestion

If you have to borrow the money you need for this step from Friends or Family,

you can assure them that will get their money back. Here is how that works:

1. You borrow the money for the CD to secure the bank loan.

2. The bank then makes you a loan dollar for dollar.

3. The day the loan funds you repay your friends or family 100%.

But you say "that leaves me without any money". Another option, then, is

to separately deposit the money from the loan/line of credit and use it exclusively to re-

pay itself. At the end, you can return their money with interest. Remember their money

is in a CD earning interest. Either way you go, this technique gives you a very large

push towards building excellent business credit scores.

If your personal credit is a large issue and you simply cannot find a business bank to do

the CD program for you ... all is not lost. First, you can still build your business credit

without the bank loan, the bank loan just makes it faster. Second, you can always return

to do this program later. Either way, let's keep moving forward.

Guaranteed Business Credit Guaranteed Business Funding

Step 6.3 - Banks Known To Do The Secured CD Program

Bank of York Contact:

Kenny Green 13 West
Liberty Street York,
SC 29745 Phone:
803-684-4249

Capital One Contact:

Mitchell Findley 23910
Westheimer Parkway Katy,
TX 77494 Phone: 713-435-
5207
Central Credit Union Contact:
Daniel Bustos 787 S. Alvernon
Way Tucson, AZ 85711
Phone: 866-264-6421 Ext.8515

Chase Bank Contact:

Dan Sabia 3932 E.
Fry Blvd Sierra Vista,
AZ 85635 Phone: 520-
459-1235

NASA Federal Credit Union

Contact: Andy Stafford 300 East
Street SW Suite GC-21
Washington, DC 20546 Phone:
301-249-1800 Ext.308

Nevada State Bank

Contact: Desiree
1501 Warm Springs
Las Vegas, NV 89014
Phone: 702-855-4615

Nova Bank Contact: Customer

Service 1235 Westlake Drive
Suite # 420 Berwyn, PA 9312
Phone: 610-993-4160

Guaranteed Business Credit Guaranteed Business Funding

Red Mountain Bank

Contact: Gloria Anderson
5 Inverness Center Pkwy
Birmingham, AL 35242
Phone: 205-313-8100

Regions Bank Contact:

Ted Thorton 15000
Tamiami Triangle North
Port, FL 34287 Phone:
941-624-5866

Suntrust Bank Contact:

Amanda Jones 1969
Northpoint Blvd Hixson,
TN 37343 Phone: 423-
870-4302

Webster Bank
Contact: Jason
Scalzo 25 Prospect
Street Ridgefield, CT
06877 Phone: 203-
431-7011

Wells Fargo Bank

Contact: Andy Ybarra
1069 Culebra Road
San Antonio, TX 78251
Phone: 210-856-2156

Step 6.4 - Comparable Credit

Let's talk about the importance of Comparable Credit ...

So you are looking for $25,000 in the form of a business-only (no personal credit) loan.
Most lenders who are going to extend to your business $25,000 in cash will first want to
see that another lender has already extended at least $25,000 to your business.
Therefore, the working capital (cash) lender is looking to see some form of "Comparable
Credit" on your business credit reports.
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

Comparable Credit can be of tremendous value to building your business credit but it is
not a required component. Comparable credit is, however, a required component if your
business is to get approved for larger unsecured lines and loans.

Banks and other unsecured cash-out lenders will look to see if your business has
"comparable credit" and they would not typically loan $50,000 to your business until
$50,000 shows up on your business credit reports from some other lender(s). It may
seem like a Catch 22 but there is a solution.
The Equipment Lease Solution

So how do you solve your business's need for Comparable Credit? The best way is with
equipment-based lease financing. Leases are much easier to qualify for than working
capital (cash-out) loans because the lender has the equipment as security. It will also
conserve your cash flow because it can cover many items that you may not of
considered to be financable. This can include specialty vehicles, software, installation
fees and other "ancillary equipment items" that can be bundled into it.

The Comparable Credit Equipment Lease

If your business can use or has a need for any type of equipment (computers, desks,
chairs, racks, shelves, forklifts, trucks, etc.) we highly recommend you apply for this
program. $25,000 approvals are typical if a business owner (anyone owning 10% or
more of the business) has above 640 FICO scores with no open public records (liens,
judgments or bankruptcies).

With 720 scores approvals can be as high as $75,000. Finally, it reports on your
business credit and only the initial inquiry should show up on personal credit reports.

"Doing all this work to build strong business credit scores has a major goal, and that
of

course is to receive funding. Let's look at that."

Guaranteed Business Credit Guaranteed Business Funding

The Finish Line ... Bank Funding

To make sure your business is in compliance for funding you must

have:

1. Verified each item in Steps One through Six is completed. 2. Seasoned

your business credit reports for at least 120 days. 3. Obtained a copy of
each business credit report showing positive results. 4. Maintained at least
a low 5 bank rating for the last 4 consecutive months.

Then you are ready to package your funding request and present it for bank
approval.

Loan Packaging
Overview:

The Executive Summary- This is a detailed summary of your business model and the
experience of the key executives to execute it. For example, you are much more likely
to get funding if you have ten years experience in auto body repair management and
now you have started your own auto body repair shop.

Products and Services Synopsis- This is a viability statement defining why your
business products and/or services are viable for the marketplace and demographics
that you have chosen. For example, you have experience in office building maintenance
and now you own a firm the has contracts with 3 large office complexes and you need
financing to be able to purchase the supplies to expand to 3 more office complexes.

The Business Financials:

• Profit and Loss Statement (P&L)

• Balance Sheet
• Cash Flow Statement
• Tax Returns (if applicable)

This should be prepared and at least reviewed by a professional firm that puts their
name on them. In some cases, for larger loan amounts, they may need to be audited.
Guaranteed Business Credit Guaranteed Business Funding

If no current viable financials then:

The Executive
Summary

3 years of supportable Financial Projections - this is a critical part of getting approved.

This shows the banks that you know what you are talking about and you have the ability
to execute. It is critical that you do your homework here. For example, you own a few
shoe stores and in your financial projections you indicate gross margins for each store
of 24%, while the industry standard is 8%. Banks aren't going to take the risk that you
are right and your industry is wrong. You are simply declined. Banks will know what
your industry ratios and margins are, so you need to as well.

Completed Compliance Checklist, which is all the items on Step 1 Foundation,

1. State Records, Your entity must be open, active and in good standing.

2. Federal EIN, Your Employer Identification number filing must match your

state filing exactly.

3. Bank Account, The day you open your business bank account is the day

your business starts.

4. Business Licenses, All applicable business licenses must be filed.

5. DBA, any dba's must be on all state/federal/banking records.

6. Separate business phone, Your business must have its own phone

number
.

7. 411 Directory, business phone number must be listed with 411 under the
exact legal
name.

8. Experian, File must be open with a credit history and good score.

9. Dun & Bradstreet, File must be open with a credit history and good score.

10. Equifax, File must be open with a credit history and good
score.

11. Credit Histories, No lates or derogatories on business

reports.

12. Physical Address, The business needs its own physical

address.
Disclaimer: The material within this e-book is intended as an educational tool. The medical intended solely for informational and educational
purposes and not to substitute professional legal or account advice. Confidentiality Notice: This PDF (including any attached or embedded
documents) is intended for the exclusive and confidential use of the individual or entity to which this PDF is addressed. Unless otherwise
expressly indicated, is confidential and privileged information. Any dissemination, distribution or copying of this material is unauthorized. If
you have receive this transmission in error, please notify us immediately, and delete the original message. Your cooperation is Appreciated.

Guaranteed Business Credit Guaranteed Business Funding

14. NSF, No NSF checks on the business account for the past
year.

15. Tax Returns, All applicable tax returns must have been
filed.

16. Public Records, There can be no liens, judgments, lis pendens,

etc.

17. Credit Cards, at least 3 business credit cards with payments made
early.

18. Vendor Credit, at least 5 vendor lines of credit with payments made
early.

19. Comparable Credit, a larger loan from a non-bank lender with payments

made early.

20. Bank Loan, Securing a small bank business loan with payments made

early
.

Plus
:

Articles of Incorporation Federal EIN

paperwork Copies of all business
licenses Copies of all business credit
reports Copies of last 4 months bank
statements
If you are seeking $100K or more, then you will have to complete a full SCORE
template business plan. You can view and download these by clicking here
(http://www.score.org/template_gallery2.html ). You will need to download and complete
each one. You can try completing the templates and submitting to banks on your own,
but we don't recommend it. For this SCORE offers free Business Plan Development
Services. We highly recommend you use them.

SCORE Business Plan Development Services, include helping you develop:

• Your Executive Summary

• Products and Services Viability Research
Guaranteed Business Credit Guaranteed Business Funding

• Your Specific Market Analysis

• Facilities and Operations Study
• Marketing and Sales Review
• Management Experience Bios
• Organizational Setup Audit
• Current Financial Statements
• Projected Financial Performa
• Full Compliance Checklist
• EquiFax, Experian, & DnB reports
• State and Federal Tax returns

Once your Business Plan Development is done please submit to one of the banks
listed in Step 6.

Hopefully by now you have already done some business with one of our listed banks
and have some business history and relationship with that bank or with another bank.
Your SCORE counselor can help you find how what your loan package needs to profile
for the bank you are presenting to and make sure you download and read "How to
Prepare and Present a Successful Funding Request, before you apply. This Ebook was
sent as an attached to your original purchase.

You have completed The Guaranteed Business Credit

System

Now it is vital that you pay all your open business accounts on time. After three (3)
reporting cycles of timely payments you will have good business credit scores. To fully
maximize those scores requires two (2) years of positive payment history and the
combinations of 5 vendor lines of credit, 3 business credit cards and 1 bank loan.

Use the right hand navigation panel to return to any step that you have completed.

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