Build Business Credit & Get Funded Without Personal Guarantees
Access our FREE step-by-step guides, 1000+ lender database, and proven strategies that have helped thousands of entrepreneurs secure funding for their businesses.
What Is Business Credit?
Business credit is a separate credit profile for your company that allows you to obtain financing, loans, and credit lines based on your business's creditworthiness - not your personal credit score.
This means you can access funding even if you have bad personal credit, no credit history, or simply want to protect your personal finances from business liabilities.
Separate from Personal Credit
Your business credit score is completely independent from your personal credit.
No Personal Guarantee Required
Access loans and credit lines without risking your personal assets.
Higher Credit Limits
Business credit often comes with higher limits than personal credit cards.
How to Build Business Credit
Follow these 5 simple steps to establish and grow your business credit profile in as little as 30 days.
Form Your Business
Establish an LLC or Corporation and get your EIN from the IRS.
Business Banking
Open a dedicated business bank account to establish financial credibility.
Get D-U-N-S Number
Register with Dun & Bradstreet to start building your Paydex score.
Establish Tradelines
Open vendor accounts that report to business credit bureaus.
Get Business Credit
Apply for business credit cards and loans without personal guarantees.
Benefits of Building Business Credit
Discover why smart entrepreneurs separate their business and personal finances.
Protect Personal Assets
Keep your personal credit score and assets completely separate from your business debts and liabilities.
Access More Funding
Business credit lines often have limits 10-100x higher than personal credit cards, giving you more capital to grow.
0% Interest Options
Many business credit cards offer 0% introductory APR periods, providing interest-free capital for your business.
No Personal Guarantee
Qualify for financing based on your business profile alone, without putting your personal credit on the line.
Build Company Value
Strong business credit increases your company's value and attractiveness to investors and buyers.
Better Vendor Terms
Get net-30, net-60, or net-90 payment terms with suppliers, improving your cash flow management.
What You Get When You Sign Up
Everything you need to build business credit and get funded - completely FREE.
Business Credit Building Guides
Step-by-step blueprints covering everything from business formation to accessing six-figure funding.
- Business Formation Guide (LLC vs Corp)
- EIN Application Walkthrough
- Business Credit Building Blueprint
- Vendor Credit Starter Guide
- Business Credit Card Strategies
1000+ Lenders & Vendors Database
Our comprehensive database of lenders, vendors, and credit sources that help build your business credit.
- Net-30 Vendor Accounts
- Business Credit Card Issuers
- SBA Loan Providers
- Alternative Business Lenders
- 0% Interest Credit Sources
Total Value: $2,500+ - Yours FREE!
Get FREE Access NowFrequently Asked Questions
Get answers to the most common questions about building business credit.
What is business credit and how is it different from personal credit?
+Business credit is a separate credit profile for your company, tracked by business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business. Unlike personal credit (scored 300-850), business credit uses different scoring models like the Paydex score (0-100). The key difference is that business credit allows you to obtain financing based on your company's creditworthiness rather than your personal credit history, keeping your personal and business finances completely separate.
Can I build business credit with bad personal credit?
+Yes! One of the biggest advantages of business credit is that it's completely separate from your personal credit. Many vendors and lenders that report to business credit bureaus don't check personal credit at all. This means you can start building strong business credit regardless of your personal credit history. As your business credit grows, you'll be able to access more financing options that don't require personal guarantees or personal credit checks.
How long does it take to build business credit?
+You can start establishing business credit immediately and see meaningful progress within 30-90 days. Most vendors report payment history within 30 days, so by opening a few starter vendor accounts and paying on time, you can begin building your Paydex score right away. Within 6-12 months of consistent credit-building activities, many business owners can access substantial funding including business credit cards, lines of credit, and loans without personal guarantees.
What is a D-U-N-S number and do I need one?
+A D-U-N-S (Data Universal Numbering System) number is a unique 9-digit identifier for businesses issued by Dun & Bradstreet. It's essentially your business's social security number and is essential for building business credit. Many lenders, vendors, and even government agencies require a D-U-N-S number. The good news is that obtaining a D-U-N-S number is completely free and can be done online through Dun & Bradstreet's website. Our free guides walk you through the entire process.
How can I get business funding without a personal guarantee?
+Getting business funding without a personal guarantee requires building strong business credit first. Start by establishing your business properly (LLC or Corporation with EIN), opening business bank accounts, and building tradelines with vendors that report to business credit bureaus. As your business credit profile strengthens, you'll qualify for credit cards, lines of credit, and loans that are based solely on your business's creditworthiness. Our free resources include a database of 1000+ lenders and vendors to help you on this journey.
Ready to Build Business Credit?
Get FREE instant access to our complete business credit building system - no credit card required.
Get FREE Access Now ->Questions? Call us: 888-534-4145