Business Funding—No Personal Guarantee Required

The first step is to ensure your business is setup credibly so you meet credit issuer and lender standards, before you apply. Next you get real useable credit through vendors. These vendors will give you credit when you have no other EIN credit established. And they report this credit to the business reporting agencies. Within 60 days or less that credit is reported to Experian, Equifax, or Dun & Bradstreet. Once reported, your EIN will then have an established credit report and score. Using that report and score you can then continue to apply for more tiers of credit where you can start getting access to revolving credit at most stores, credit that’s linked to your EIN and not your SSN and credit that doesn’t require a personal guarantee or personal credit check for approval. You can continue to grow your credit to obtain fleet cards, even Visa and MasterCard cash credit. And by having business credit established you’ll have a much better chance of getting loans, credit lines, and get these at better terms.

You can qualify for real usable vendor credit immediately. You’ll then start to qualify for store credit within 60-90 days that doesn’t require a personal credit check or personal guarantee. Within 6 months you should have access to $50,000 in real usable credit, including Visa and MasterCard accounts. You can then continue to build $100,000-$250,000 or higher in business credit within a year to two. And with our Business Boost Program you (and your clients*) can also gain access to other cash funding programs within a couple of months or less. * Applies if you’re a partner with us to offer our services to others.

From SBA loans and startup financing to lines of credit, equipment financing, alternative and secured loans—every stage is covered.