your business loan questions, simply answered

Just like how consumer credit is linked to your SSN, your business credit is linked to your EIN. This means when applying for business credit, it's usually not required to include your SSN. Once you properly establish your business entity and Fundability Foundation™, you start off building your business credit profile with smaller vendor accounts. As your business pays those retailers you will then qualify for revolving store credit cards, and then cash credit you can use anywhere, just like a normal personal credit card. Keep in mind that because of federal regulation you will still need to supply a SSN for identity verification purposes. Also providing a personal guarantee can open up even more financing options.

The Business Boost Program is an online platform specifically engineered to walk you through a customized step-by-step process on how to build your business credit - from start to finish. In other words, this program is tailored to YOUR specific situation, which makes your process to getting funds very simple and intuitive. As you go through the program, you'll be able to know in real-time, which lending and credit sources you're pre-qualified or pre-approved for so you have the confidence that you'll be approved before you even apply! In addition, you'll have concierge service from our business credit advisers and finance officers to assist you at any given stage. Between our revolutionary online platform and our LIVE expert team at your fingertips, you're guaranteed to get results - as long as you actually use the program.

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.

It's true that between all of our free guides, articles, videos and seminars, you have enough knowledge to go get business credit all on your own. It's also true that we don't hold anything back in our sharing of knowledge because at the core of our company, we want to help as many business owners (and those aspiring-to-be) as possible to have a n equal opportunity to succeed and thrive. With that being said, there still are services you will have to pay for such as 411 listings, business credit monitoring, and a business credit builder so that you're reporting to the right agencies (costing over $3000), not to mention, you'll still have to go out and find vendors and lenders. There are also lots of limitations going this way. The difference with us is that we have already established countless partnerships and affiliations, which allows us to fully leverage the power of our entire company and client-base for each individual client. Essentially, you get to leverage our company for your benefit. Since we do multi-millions of dollars in deals, our sources give us the highest limits, lowest rates, and longest terms. And due to our established credibility in the business credit and financing industry, it's easy for us to expand and constantly add even more funding sources and options, which YOU benefit from. That’s how we have the largest supply of vendors and credit issuers than anywhere else. In short, if you were to try and get business credit and financing on your own or somewhere else, you'll pay MUCH more than what we ask, and it would take a lot longer. We have this entire process dialed in so that you can get the most amount of funds, in the shortest amount of time, and at the lowest rates possible. For those who are interested, you can also earn an income offering our business credit and financing services to others.

A business having its own credit is as real as an individual having their own credit. If you have any questions or concerns with the legitimacy of business credit, check out this link to see what SBA, Experian, Inc, NASDAQ, and other industry leaders have to say. We have 0 lifetime complaints with the BBB and all other entities, and the few other companies that offer business credit have MANY complaints. Feel free to see our "A" BBB rating, Trust Pilot reviews, actual results & approvals, testimonials, and more by clicking here.

If you're ready to get started with our program, you can check out our package options here. You can also watch our business credit video here.  If you want to speak with a Live Consultant to answer any questions you may have you can schedule an appointment here or call (480) 602-0777. If you have a simple question, you can also send a private message to our Facebook Fan Page here and we’ll usually answer you within 1 business day.

Just as you have a credit file linked to your SSN, your business has a profile linked to its EIN. Experian, Equifax, and Dun & Bradstreet often start your profile when your business applies for a loan, credit card, or even when you setup basic utilities. From that point most credit you apply for won’t report to the business reporting agencies unless you apply for different types of credit in a particular order, or leave your SSN off of the application. Real business credit can be obtained with no SSN being supplied upon application. This credit doesn’t appear on your personal credit reports either. As you build your business credit your EIN profile and score then becomes essential to helping you qualify for bank loans and credit cards. And you can use EIN credit and EIN credit alone to get approved for many types of credit without a personal guarantee. Every highly-successful privately and publicly owned company in the United States has business credit. But what many don’t know is that even startups can also obtain it…if you follow the right steps.

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

This is the only system in the world which successfully combines both business credit building and funding. Fundability is also the only system that shows business owners how to get free access to Experian Smart Business, and we help you get your D-U-N-S number with D&B, This alone saves you thousands. The Business Boost Program has more lending sources, revolving business credit accounts, and starter vendor accounts than any other system on the market today. And the Business Boost Program is the only system with one-click access to business credibility sources, underwriting guidelines provided for all business credit sources, and by far is the most advanced business credit building technology available today.

Building business credit correctly means there is rarely a credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit with the Business Boost Program by building their business credit. If the business owner has credit challenges and also has some kind of collateral, they can also get funding along with business credit. Funding can be secured in as little as 30-60 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, even consistent revenue. And we have revenue-based funding programs where if a business owner can prove through bank statements that they have consistent revenue, they can be approved with a credit score as low as 500.

There is no formal process of fixing business credit as there is no FCRA or FACTA laws that deal with business credit reporting. Still, our advisors will help business owners dispute any discrepancies on their business report as part of the program, and they'll have access to a section where they can go through the business credit dispute process. We even have a step dedicated to fixing errors on business credit reports as part of the finance suite. But the main function of the finance suite is to help you and your customers build business credit, as well as get money.

Yes, with business credit and funding you can charge upfront. There is no regulation that prohibits this. It is actually very common in the funding space for companies to charge upfront. This is one benefit our clients love about business credit, you they can make thousands of dollars right away, legally, while providing great value to your clients.

About 2 minutes. Complete our simple form and instantly view the 50+ programs you qualify for.

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

You need 6+ months in business, basic financials, and no bankruptcies in the last 2 years. We’ll show you exactly what you need.

Never. We disclose all fees up front so you can choose the best solution without surprises.

Yes! Startups are eligible for specific funding programs, even if you haven’t been in business long. While options may be more limited compared to established businesses, we work with lenders that specialize in helping new businesses get the capital they need to launch and grow.

It depends on several factors — including your revenue, time in business, industry, and credit profile. Some businesses qualify for as little as $5,000, while others may receive offers up to $500,000 or more. Once we review your application, we’ll let you know exactly what’s available.

Not always! While some lenders have credit score minimums, others focus more on your business’s cash flow and overall health. Many programs are available for business owners with challenged or average credit — and we’ll help you find the right fit based on your full profile.

Absolutely. Once your application is reviewed, a Business Loan Specialist will walk you through the options that make the most sense for your situation. You’ll never be left guessing — we’ll explain the terms, costs, and steps in simple language so you can decide confidently.

In most cases, yes. Business funding can be used for working capital, payroll, marketing, equipment, renovations, inventory, expansion — whatever your business needs to grow. Some loan types may have specific guidelines, but we’ll always let you know up front.

We’re not a one-size-fits-all lender. Our goal is to give business owners access to diverse, flexible, and realistic funding solutions — whether you're just getting started or scaling to the next level. With personalized support, fast approvals, and zero pressure, we’re here to help you succeed on your terms.