The Complete Business Credit Building Guide

Build a business credit profile that separates your personal and business finances. Go from zero to Tier 4 — credit cards with no personal guarantee, lines of credit, and real financial leverage.

Start Building Credit

The 4-Tier Business Credit System

Tier 1

Vendor Credit

Net 30 accounts that report to bureaus. Build payment history.

Tier 2

Retail Credit

Store cards and fleet cards from major retailers.

Tier 3

Fleet & Cash

Visa/MC business cards with higher limits.

Tier 4

No PG Cards

Premium credit cards with no personal guarantee.

Frequently Asked Questions

How long does it take to build business credit?

With our program, most clients see reportable credit within 30-60 days. A strong Tier 1-2 profile takes 3-6 months of consistent building.

Do I need good personal credit to build business credit?

No. Business credit is separate from personal credit. However, better personal credit gives you more options as you progress through the tiers.

What is a DUNS number and do I need one?

A DUNS number is your business identity with Dun & Bradstreet. Yes, it's essential for business credit. We help you get one as part of the program.

Can I get business credit cards without a personal guarantee?

Yes. At Tier 3-4, you can qualify for business credit cards with no personal guarantee (No PG cards). Our program guides you through each tier.

Get Funded — Fast.

You've got a deal to close. We've got the capital to make it happen. Apply online, get approved, and start building wealth faster than ever before.