Business Credit

Looking for a business credit card with no personal guarantee? Are you a nonprofit organization? In this video you will discover how the Charity Charge business credit card works just like a regular corporate credit card, but delivers rewards right back to your nonprofit. This is the only business credit card designed for nonprofit expenses. Charity Charge is a public benefit corporation dedicated to serving nonprofits. The application process is simple and requires no personal credit check or pg. To apply for the charity charge card, go to https://www.charitycharge.com/ As we mentioned, there is no personal guarantee required when applying. What is a personal guarantee? A personal guarantee is a written promise from a business owner guaranteeing that payment will be made in the event that the business fails to pay. Since there is no personal guarantee required, it means you are not personally liable for the business credit card. This reduces your leadership team, board, and founders overall financial risk. There is also no annual fee and your nonprofit earns one percent cash back on all purchases. Some of the other benefits with this business credit card is the ability to issue employee cards with real-time control. You also get a dedicated account manager along with custom transaction reporting compatible with major accounting programs. To qualify a nonprofit must have at least two years of financial history. Their approval process uses form 990 and GuideStar, one of the world’s largest nonprofit databases. The card is underwritten by Commerce Bank. Some of the benefits of this business credit card with no personal guarantee are as follows: *No personal credit checks *No personal guarantor *No annual fee *Automatic cash back *Ability to issue employee cards For more details on how to get a business credit card with no personal guarantee for your nonprofit organization check out the following websites below. https://youtu.be/1SFa5BN65hc https://www.charitycharge.com/ https://businesscreditblogger.com/2019/05/30/applying-for-business-credit-cards-with-an-ein/ https://businesscreditbuilders.org/business-lines-of-credit/ https://businessfundingengine.com/

Are you offering trade credit to buyers? In this video you will discover how to offer trade credit without the risk and get paid right away. If you don’t currently offer net terms, you’re missing out on sales. With Net-60-day terms, your buyers can purchase more from you and we’ll show you how without the risk. The fact is extending and managing trade credit has risks and administration challenges. Do you know trade credit is the single largest resource of capital utilized from business to business? In fact, the Small Business Administration says it is the single largest resource of small business lending in the United States today. At any given day there is over 3.1 trillion dollars in money owed to suppliers from trade credit extended to buyers. The problem is countless businesses have their revenues tied up in accounts receivable as a result. For details on offering trade credit go to https://fundboxpay.com or to apply for a business line of credit go to http://bankbusinessline.com The trade credit problem is compounded when their vendor payments come in late on a regular basis. In fact, close to seventy percent of suppliers that get paid late experience cash-flow problems. Although offering trade credit to buyers is a great way to boost sales, you’re acting like a bank when you offer net terms. So, how can you take advantage of the benefits of offering trade credit without the risk? The solution is having your trade credit program handled for you so you can focus on growing your business and not collecting outstanding invoices. Your buyers are assessed and if approved are offered net 60-day credit terms. Best of all there is no credit check and no paperwork needed. Your approved customers get Net-60-day payment terms on their business purchases, while you get paid immediately without the wait. When your customer pays in full, the lender automatically replenishes their credit line so they can get net terms on their next order with you. If you send invoices, invite your customer to apply for a line of credit (Net-60) using your custom invitation link which is provided once you register. Some of the benefits of offering trade credit to buyers are as follows: Increase in revenues Day-to-day operations would be easier to manage Easier to purchase more inventory with increased cash flow With more cash flow you can expand marketing efforts For more details on offering trade credit to your buyers check out the following websites below. https://youtu.be/24yTB3Reijw http://bankbusinessline.com https://businesscreditblogger.com/2017/05/16/new-business-line-credit/ https://businesscreditbuilders.org/ https://businessfundingengine.com/

How do you get a business line of credit without a personal guarantee? In this video you will discover which lender offers a business credit line line with no personal guarantee. In order to qualify for a business line of credit for your business requires that your business be at least six months in operation. To apply for a business line of credit with no PG go to http://bankbusinessline.com What is a personal guarantee? A personal guarantee is a written promise from a business owner guaranteeing that payment will be made in the event that the business fails to pay. When a personal guarantee is not required on a business line of credit it means you are not personally liable for the line of credit if the business fails to pay. The easiest way to acquire a credit line for your business without having to supply a personal guarantor is with an alternative lender. Alternative lenders offer funding options to business owners outside of a traditional bank loan or line of credit. They asses a business for a loan or line of credit based on other factors than traditional banks. Such as bank deposits, social media accounts, Amazon sales, Paypal sales, etc. Unfortunately, many alternative lenders require personal credit checks, a personal guarantee and some have revenue requirements as well. One particular lender that we cover in this video does not require a PG or personal credit check. Their approval process is based only on the company’s bank deposit activity. This allows a business to acquire a business line of credit without a personal guarantee even if the company is only six months old and doing minimal revenues. Some of the benefits of this type of line of credit for business are as follows: No origination fees, maintenance fees or inactivity fees. You can draw up to 100% of the credit limit in cash only when you need it With this business credit line you only pay for what you use. Also, when you draw funds from your line of credit online (funds deposited in 24 hrs.) Any outstanding balance can be paid back immediately or over 6-month terms with no restrictions on how you use funds. You can also draw funds multiple times up to your credit limit Update for this lender: At the end of the application the lender may ask you for the last 4 digits of your SS number. They may pull a soft inquiry which does not hurt your credit. This allows them to potentially offer you a larger credit limit. Only the first time you draw funds do they conduct a single hard inquiry with one bureau. All additional draws on your credit line result in no personal credit checks. For more details on how to get a business line of credit without a personal guarantee check out the following websites below. https://youtu.be/nbmFcmvKhkY http://bankbusinessline.com https://businesscreditblogger.com/2017/05/16/new-business-line-credit/ https://businesscreditbuilders.org/ https://businessfundingengine.com/

What business credit card requirements do card issuers consider for approval? In this video you will learn the top ten factors that impact the approval process and credit limits you can acquire for business credit card funding. For business credit card funding go to https://businesscreditbuilders.org/business-lines-of-credit/ In order to qualify for the highest credit limits possible for your business, it’s important to realize that card issuers will check your personal credit scores and review the entire credit report. These particular business credit cards that you obtain through our funding program only report to the business credit reporting agencies. Even though there are over 500 business credit cards available in the marketplace less than 100 report to the business credit reporting agencies. First, before you apply for business credit cards with our program, your business must be established as a separate legal entity such as an LLC. Your company’s EIN is what the business credit reporting agencies use to create your business credit report. If your goal is to create a clear separation between your personal credit and business credit than it’s crucial to acquire business credit card that accomplish just that. This not only helps you establish a credit profile and rating for your business but also protects your personal credit. Remember, the requirements for business credit card funding are determined by two main areas; personal credit worthiness and the age of the business. It’s important to realize there is no collateral, no income docs, no financials, no tax returns and no time in business required to qualify for business credit cards. The requirements are much easier compared to traditional funding offered by banks. So how much business credit card funding can your business qualify for? The first benchmark factor for qualification is a minimum credit score of 680. FICO credit scores and FICO Bankcard score are the most widely used scores by credit card issuers. Keep in mind this is simply a minimum requirement. The second major factor is the credit report of the personal guarantor. Underwriters look at the length of credit history, types of accounts, number of active accounts, payment history, hard inquiries, etc. Also, the age of the business plays a factor in business credit card funding. Other factors related to the business are outstanding debt, existing business credit cards and banking relationships. For more details on these business credit card requirements or how to start the pre-qualification process check out the following websites below. https://youtu.be/chpGFtxz6-o https://businesscreditbuilders.org/business-lines-of-credit/ https://businesscreditblogger.com/2019/05/30/applying-for-business-credit-cards-with-an-ein/ https://businessfundingengine.com/ http://creditreportengine.com

Do you need a virtual office address for your business? In this video learn how to establish a professional corporate image whether you’re a startup or existing small business. As a small business owner when it comes to leasing office space the cost can be pretty substantial. Costs such as the monthly lease, hiring a receptionist, setting up a phone system, purchasing office equipment, etc. can add up to quite an expense. An alternative solution is getting a business virtual office. A virtual office offers an affordable way for your business to have all the benefits of a major company but without all the large costs. For a flat monthly fee, you can receive all the tools you need to run a serious business; a company phone number, a live assistant to answer incoming calls, a commercial office address, customized voice mail and a dedicated fax number to name a few. The best most affordable virtual office solution is http://virtualofficeplan.com This by far the best solution for start-ups and local business owners looking to keep operating costs low while creating a professional corporate image for their companies. While there’s no shortage of companies you can find on the internet offering a business virtual office, this is the most cost-effective solution. With over 650 locations in the U.S., this virtual office provider is the perfect alternative to traditional business operations for companies who are looking to reduce costs while maintaining a professional corporate presence and getting the business ‘credit ready’. As you know when it comes to building business credit, establishing the right foundation is crucial prior to applying for credit with vendors, suppliers, banks and other lenders. Several benefits of a business virtual office address include the following. Get a dedicated business phone number – Select a local phone number as your business line. A recognizable area code can help your business better connect with local customers. A local number appears more trustworthy and personable for local customers compared to an unrecognizable are code. Get a professional live receptionist – Imagine having someone answer incoming calls for your company Monday through Friday from 8:30 am to 5:30 pm. Have a corporate address – Select one of the many office locations as your company’s business address to receive mail and packages. Your virtual office address can be used on company docs and credit applications. Get a dedicated business fax number – Select a local fax number as your company’s fax line. A recognizable area code can help your business with local customers when it comes to faxing. Company voicemail – With multiple voicemail boxes with individual prerecorded greetings a business can improve its communication with customers after business hours. A virtual office address is the ideal office solution for startups and expanding businesses looking to gain all the resources of a major company at a low cost. For more details on a virtual office setup go to the following sites. https://youtu.be/MsClRKnjVoc http://virtualofficeplan.com https://businesscreditbuilders.org/ https://businesscreditblogger.com/2013/10/28/business-virtual-office/

Looking for startup funding for your business? In this video you will discover five funding options that will provide your startup access to cash and credit in the shortest period of time. One of the greatest challenges facing a new small business is access to funding. Get Startup Funding for Your Business at https://businesscreditbuilders.org/ Unfortunately, 94% of startups fail within the first 2 years because of a lack of funding. What frequently goes wrong, and leads to a startup running out of money, is that the business owner failed to gain access to funding before their cash dried up. It’s important to plan for growth right from the beginning as opposed to waiting until your business really needs the cash. The first type of funding you can get is startup business credit cards. This particular type of funding is based on the personal credit of the owner. Since the business is new and does not have a track record, bank card issuers will rely on the owner’s personal credit. With our business credit card funding program, we get startups set up with 4-5 business credit cards. This helps a newly formed business the opportunity to build business credit while protecting the personal credit of the owner. A second funding option for a startup is a business line of credit. This line of credit is not a traditional business credit line issued by a bank. The lender for this line of credit uses the business checking account to determine eligibility. If your startup is growing in revenues and can show $4k+ a month in bank deposit activity than consider this option. Another option for startup funding is a personal business loan. A personal business loan is money borrowed from a bank or lender that you pay back in fixed monthly payments with repayment of two to seven-year terms. To qualify, banks will look at your personal credit and personal income as a qualifier. This type of program provides a cash injection into your checking account which you can use for any purpose and without any restrictions. Many small businesses start with several loans before graduating to conventional loans. It’s important to realize any time you are searching for funding as a startup, you need to be able to show that you have the ability to repay. This is best accomplished with a good personal credit report and personal income. Once you have established the initial track record for your business and established a business credit report, more funding options will become available to you. If you have good personal credit and decent income consider a personal line of credit as another funding option for your startup. This credit line is issued by a bank and allows you to draw funds up to the entire credit limit issued. You can borrow money against the line whenever you need it. For more details or to apply for startup funding for your business check out the following websites. https://youtu.be/FyFXSbkD-Ns https://businesscreditbuilders.org/ https://businessfundingengine.com/ https://businesscreditblogger.com/

Looking to obtain a Dun and Bradstreet Number for your business? In this video you’ll discover 4 ways to get a D-U-N-S® Number for free in as little as 1-2 business days. Whether you are a startup or existing business, getting a credit file established with Dun and Bradstreet is a crucial starting point for any company’s live business identity. What is a Dun and Bradstreet Number? It’s a 9-digit number issued by D&B to identify a business in the D&B data cloud. It’s the starting point for any company’s live business credit identity. Did you know over 32 million businesses in the U.S. and more than 300 million businesses worldwide have a D-U-N-S® Number? Get The Business Credit Building System https://businesscreditbuilders.org/ There are many reasons why a business needs to get a Dun & Bradstreet Number. For starters, lenders, vendors, suppliers, retailers and potential business partners use the DUNS Number to help predict the reliability and/or financial stability of a company in question. Once your business gets a DUNS Number issued it establishes a universal business identification for your company. This number is used to create a credit file for your business with Dun & Bradstreet. Almost all Fortune 500 companies require a company to have a D-U-N-S® Number in order to do business with them. In fact, companies such as Wal-Mart, Target, Intel, GM and Kohls require suppliers to have one. Before you apply for a DUNS Number you will need the following basic information about your business. This includes but is not limited to the legal name of the business, type of business, years in business, company address, contact information, number of employees, etc. There are several ways to get a Dun and Bradstreet Number at no cost. First of all, the number is absolutely free for all entities doing business with the Federal government. This includes current and perspective Contractors, Grantees, and Loan recipients. The DUNS® Number is issued within 1-2 business days when using the D&B online process. Another way is companies and educational institutions can get a free D-U-N-S® Number registered to their legal entity as part of the enrollment process for Apple Developer Programs. The DUNS® Number is issued within 5 business days when using the D&B online process. With an established D&B business credit report; banks, lenders, suppliers, vendors, retailers, etc. will be able to assess the creditworthiness of your company. Sets terms on credit, loans, lease payments and insurance premiums to name a few. For example, if you apply for an SBA loan, you are required to have a DUNS Number® and minimum FICO® SBSS score of 140 (out of 300), which is calculated based on both personal and business credit report information. For more ways on how to get a Dun & Bradstreet Number and to build your business credit report check out the following sites. https://youtu.be/JzJWM9PWKoc https://businesscreditbuilders.org/ https://businesscreditblogger.com/2018/11/28/how-to-build-business-credit-in-30-days/

Looking for real estate funding for investors? Whether you are new to real estate or are a seasoned investor, access to funding is crucial. In this video you will discover five ways to get access to cash and credit that you can use for investing in real estate properties. As you know deciding how to fund real estate deals is one of the obstacles of investing in real estate. The fact is you need funding for down payments, closing costs, carrying costs, rehab materials and the list goes on and on. The typical real estate financing methods that you’re probably most familiar with are private money, hard money, real estate crowdfunding, conventional lending to name a few. But in this video, we are going to review five ways to get unsecured real estate funding. Before getting started, I recommend you consider adding all of these funding options to your real estate funding tool chest. The more options you have the greater the flexibility you have with each real estate deal you want to invest in. Many investors discover that using a combination of real estate financing options generates a well-rounded real estate investment portfolio. At the end of the day, it’s important to first determine what kind of returns you can expect from your investment property. Does your return on investment result in a profitable decision? The first type of real estate funding is through the use of business credit card funding. Business credit cards offer a line of credit that can be used to make purchases, balance transfers and cash advances. For real estate investors you can convert credit cards into cash and avoid high APRs by using the balance transfer strategy. Also, business credit cards can be quite useful for purchasing materials for rehabs, paying contractors and other expenses. Best of all, the cards issued under our program come with 0% APR on purchases for 6-15 months depending on the bank. Another way to get real estate funding for down payments or other expenses is with a bank line of credit. This funding for a real estate business is ideal if you already receive a good amount of rental income from your properties. The rental income or business income is used instead of your personal credit when it comes to qualifying for this line of credit. Keep in mind though the rental income must be coming into a business checking account not a personal checking account. If you are new to investing or don’t have enough rental income for a bank line of credit why not consider a personal line of credit? This real estate funding option requires good personal credit and verifiable income. What’s so beneficial about this type of funding for investors is the ability to draw lump sums of cash without any cash advance fees to worry about. So, if you need cash for a down payment or closing costs, a personal line of credit may be just what you need. For more real estate funding sources for real estate investors check out the following sites below for details. https://youtu.be/0r0mZbUamrc https://realestatecredit.org/ https://businesscreditbuilders.org/ https://businesscreditblogger.com/2017/09/21/convert-credit-cards-into-cash/

How do business credit cards vs corporate credit cards match up? In this video you will learn everything you need to know about these two types of credit cards for a business. You’ll learn how each type of credit card works, the similarities, differences, qualifications and liabilities. More importantly, you’ll be able to determine if a business credit card or corporate credit card is right for you. Although each of these credit cards for your business operate in the same way the biggest dividing line between the two is in qualification. Qualifying for a corporate credit card will depend only on your company’s business credit rating and revenues. For a business credit card, the major factor that determines your approval is the owner’s personal creditworthiness. Since the majority of business credit cards require a personal credit check and personal guarantor. Now, it is possible to get a business credit without a personal guarantor when other factors are met such as a having a strong business credit file and/or substantial revenue. A personal guarantee is like acting as a co-signor for the business. Another major difference between business credit cards and corporate credit cards is liability. While business credit cards require making a personal guarantee; corporate credit cards do not. With a corporate credit card, the business entity has full corporate liability. However, there are exceptions where a company can get a business credit card without a personal guarantee. These particular cards such as co-branded fleet and fuel cards require your business to have strong business credit reports and revenues to qualify. Both a business credit card and corporate credit card are revolving lines of credit that provide access to a preset credit limit. You can borrow against your credit line whenever you need it, repay it, and use it again. With business credit cards it’s crucial to only acquire cards that report only to the business credit reporting agencies not personal credit. Although there are over 500 business credit cards in the marketplace less than 100 report to the business credit reporting agencies. Through our business credit cards funding program, we acquire your company anywhere from four to five business credit cards that only report to business credit. As you know the best type of business credit card is one that enables you to separate your personal and business credit. This not only helps you establish a credit identity for your business but also protects your personal credit. Now when it comes to applying for business credit cards or corporate credit cards you will need to structure your business as a corporation or limited liability company. Your company’s EIN will be used to identify your business and create your business credit report. Whether you’re a startup or small business, business credit cards are the best and easiest type of funding to acquire. However, a corporate credit card may serve your company better if it’s a major corporation or business with several employees and strong revenues. For more details on how to start the pre-qualification process for business credit card funding check out the following websites below. https://youtu.be/San8_VxU6is https://businesscreditbuilders.org/ http://businessfundingreview.com/ https://businesscreditblogger.com/2018/11/28/how-to-build-business-credit-in-30-days/ http://creditreportengine.com https://businessfundingengine.com/

How does a line of credit vs credit card match up? In this video you will discover how a line of credit compares to a credit card for both personal and for business. You’ll also learn how to qualify and what underwriters look for in your credit application. It’s important to realize that a line of credit is similar to a credit card because they both are revolving and have a preset credit limit. Both allow you to borrow against your credit limit whenever you need it, repay it, and use it again. Lines of credit vs credit cards are similar because you can maintain a revolving balance and pay a minimum monthly payment. Where they are different is in how they are best used, interest rates, access to cash, and rewards. For example, a line of credit is accessed using checks, on the institution’s website, over the phone or in person at the local branch. Whereas credit cards are accepted anywhere the card issuer’s credit card network is accepted. (Visa, MasterCard, AMEX, Discover) A line of credit is best used for big purchases and when you need access to large amounts of cash or working capital. Credit cards are best used for small purchases and day to day expenses. They are also best used if you want to maximize rewards programs. With a line of credit, you have the ability to pull 100% cash out of the total credit limit with no cash advance fees and no high APR cash advance rates. With a credit card you have cash advance abilities but it’s important to be aware of cash advance fees and high APR cash advance rates. When it comes to an unsecured personal line of credit and business lines of credit, each has its own unique underwriting criteria. With a personal line of credit, you are required to provide a personal credit check and verifiable income. With a traditional unsecured business line of credit be prepared to furnish much more documentation such as two years personal and business tax returns and financials. Remember, you can always get a lower interest rate with a line of credit that is secured with collateral. The most popular type of secured line of credit is a HELOC. With a line of credit vs credit card, a personal credit card is much easier to qualify for since it requires only a credit check with no income documentation needed. Similar to a personal credit card, a business credit card is a stated income program as well. Stated income means you don’t have to verify business income by requiring you to provide pay tax returns, profit and loss statements, financials and other documents. Instead, you are simply asked to state your business income and it’s taken at your word. In order to prequalify for our line of credit and credit card funding program for personal and/or business simply complete our online prequalification form and upload your tri-merged credit report. Whether you are building personal credit, starting a business, own an existing business or you’re a real estate investor; a line of credit or credit card may be the perfect solution for you. For more details on how to start the pre-qualification process for business credit card funding and other unsecured business lines of credit with no docs check out the following websites below. https://youtu.be/6298pBK4yUg https://businesscreditbuilders.org/ http://businessfundingreview.com/ https://businesscreditblogger.com/2018/12/19/unsecured-business-line-of-credit-no-doc/ http://creditreportengine.com

Looking for an unsecured business line of credit with no doc? In this video you will discover 3 funding sources that provide a line of credit for your business which requires no income documentation. To qualify you won’t be required to furnish financials, tax returns, etc. These types of business credit lines are the fastest, easiest and truly hassle-free way to get access to a line of credit for your business without all the red tape and excessive documentation. An unsecured business line of credit is a revolving source of funds. You get access to a fixed amount of capital (credit limit), which can be used anytime you need it. You can borrow against your credit line at a moment’s notice, repay it, and use it again. Since its unsecured you don’t have to supply any collateral. Whether you are just starting a business, own an existing business or you’re a real estate investor; no doc business credit lines may be the perfect solution for you. Typically, banks offer no doc or stated income business credit lines for self-employed individuals or borrowers who may have difficulty documenting their income. No doc business lines of credit are where the bank does not verify your business income by requiring you to provide pay tax returns, profit and loss statements, financials and other documents. Instead, you are simply asked to state your business income and it’s taken at your word. The first type of revolving lines of credit come in the form of business credit cards. Business credit cards offer you a line of credit that can be used to make purchases, balance transfers or cash advances and require that you pay back the outstanding balance in the future. Our business credit card funding program provides 4-5 unsecured business lines of credit issued to your business. Each card issued only reports to the business credit reporting agencies not personal credit. The second type of business line of credit with no doc required is the bank line of credit. This particular funding option uses your company’s bank deposit activity during pre-qualification instead of personal credit checks. You simply sync your bank account online for the lender to conduct a review and you get an answer in a matter of minutes. Finally, a company called Behalf offers a line of credit for businesses that is unsecured and requires no documentation as well. This operates more like a purchasing line of credit but only requires fair credit to qualify and works for startups. For more details on how to start the pre-qualification process for business credit card funding and other unsecured business lines of credit with no docs check out the following websites below. https://youtu.be/lnSZCa52kRg https://businesscreditbuilders.org/business-lines-of-credit/ https://businesscreditblogger.com/2018/02/16/revolving-business-lines-of-credit/ https://businessfundingengine.com/unsecured-business-lines-of-credit/ http://creditreportengine.com http://banklinecredit.com

Looking for vendor credit lines? In this video discover five vendors who extend net 30 accounts to businesses. These vendors report to the business credit reporting agencies so you can build your business credit reports and scores. Getting approved for vendor credit is simply an opportunity for you to start building your company’s creditworthiness whether you’re a startup or existing business. The key to building business credit history is to use your vendor credit lines and pay your invoices on or ahead of the due date. As a business owner gaining access to vendor credit is extremely important because it not only conserves cash flow but enables you to build business credit. So, what is vendor credit? Vendor credit is when you have the ability to purchase products or services from vendors that allow you to buy now and pay later. The typical terms offered are Net 30-day terms. You buy from the vendor up to your credit limit and have 30 days to pay the invoice in full. Some vendors may offer even longer terms such as net 60 or net 90 days. When you get approved for a vendor credit line you get to purchase products and services on credit and pay for those purchases in 30 days or more depending on the terms. This enables you to conserve cash flow, establish a positive trade reference, protect your personal credit and establish business credit history. With vendor credit you also benefit from discount offers for early payment along with many other advantages. Look at vendor credit lines as stepping stones to greater financing opportunities. Remember, vendor credit is the largest form of b2b financing in the entire country. This is a short-term financing solution that startups and existing businesses can take advantage of. Who offers vendor credit? You’ll find vendor credit offered by office supply companies, printing companies, accountants, creative agencies, restaurants, construction companies, manufacturers, wholesalers and retailers. It’s also important to remember that not all vendors report payment data on the same day, week, or month for that matter. Each vendor has its own specific day that they batch and submit payment data to a business credit reporting agency such as Dun and Bradstreet. Did you know over 500,000 vendors in the county offer net 30 terms or greater but less than 10,000 actually report to the business credit reporting agencies? So, before applying for vendor credit that is easy to qualify for be sure to identify whether they report to the business credit reporting agencies or not. For more details and a complete list of vendor credit lines be sure to check out the following resources below. https://youtu.be/Vo1VB-rvm28 https://businesscreditbuilders.org/ http://businesscreditbuilderservices.com/ https://businesscreditblogger.com/2018/11/28/how-to-build-business-credit-in-30-days/ http://net30account.com http://vendorcreditline.com

Looking for the best business credit cards for your business? In this video you will learn how to get business credit cards with the highest credit limits possible that only report to the business credit reporting agencies. This dividing line between personal and business credit cards must be established at the credit reporting level in order to legitimize true personal and business credit separation. The best business credit cards should only report to the business credit agencies. Although there are over 500 business credit cards in the marketplace less than 100 report to the business credit reporting agencies. The best type of business credit card is one that enables you to separate your personal and business credit. This not only helps you establish a credit identity for your business but also protects your personal credit. In order to obtain business credit cards, it’s important to structure your business as a corporation or limited liability company if your aim is to establish a business credit file. Your company’s EIN will be used to identify your business and create your business credit report. While there are many types of business credit cards that may be best for your business whether your goal is for cash back rewards, sign-up bonuses, travel rewards, etc. Our funding program is designed to get you 4-5 of the best business credit cards that carry the highest credit limits with 0% APR on purchases for 6-15 months and report only to business credit agencies such as Experian Commercial. The best part of applying for business credit cards is requirements. No collateral, no income docs, no financials, no tax returns, no business age requirement, no location requirements and no restriction on the use of funds. Business credit cards are the best and easiest type of funding to acquire as a startup and existing business. The banks under this program do require a personal credit check and factors that play a major role in qualifying are personal credit scores, payment history, primary accounts, credit utilization and inquiries to name a few. For more details on how to start the pre-qualification process for business credit card funding check out the following websites below. https://youtu.be/8Qx1qyZ-fH0 https://businesscreditbuilders.org/business-lines-of-credit/ https://businesscreditblogger.com/2018/02/16/revolving-business-lines-of-credit/ https://businessfundingengine.com/unsecured-business-lines-of-credit/ http://creditreportengine.com

Looking for easy approval net 30 accounts? In this video discover five vendors who extend net 30 accounts to businesses. These vendors report to the business credit reporting agencies so you can build your business credit reports and scores. As a business owner gaining access to net 30 accounts are extremely beneficial. A net 30 account is when a vendor, supplier, retailer or business extends a line of credit to your business on Net 30-day terms. This repayment term will allow you to purchase the vendor’s product or service up to your credit limit with 30 days to pay the invoice in full. When you get an easy approval net 30 account you get to purchase products and services and defer payment for 30 days. This enables you to conserve cash flow, establish a trade reference, protect your personal credit and establish business credit history. With net 30 accounts you also get discount offers for early payment along with many other advantages. Look at vendor credit lines as stepping stones to greater financing opportunities. This is a short-term financing solution that startups and existing businesses can take advantage of. Who offers net 30 accounts? You’ll find vendor lines of credit offered by office supply companies, printing companies, accountants, creative agencies, restaurants, construction companies, manufacturers, wholesalers and retailers. Did you know over 500,000 vendors and suppliers in the county offer net 30 terms or greater but less than 10,000 actually report to the business credit reporting agencies? So, before applying for net 30 accounts that are easy to qualify for be sure to identify whether they report or not. For more details and a list of net 30 accounts be sure to check out the following resources below. https://youtu.be/iRvsIlAnIFs https://businesscreditbuilders.org/business-credit/ http://businesscreditbuilderservices.com http://vendorcreditline.com http://net30account.com https://businesscreditblogger.com/2018/01/31/business-credit-online/

Learn how to open a business credit file with Experian. This video is about how to establish a business credit report with Experian in 30 days. What is a business credit file? A business credit file is opened by a business credit reporting agency such as Experian when a credit grantor reports information associated to a company’s credit account. Your business credit file is used by credit grantors during the decision-making process to determine whether or not to extend credit to your business so it’s essential that your business have one. Experian is a major business credit reporting agency with over 27 million businesses listed in its database. This credit agency gets widely used by credit card issuers, banks and suppliers so it’s crucial for your business to establish a file with this agency. Your credit file gets opened with Experian when a credit grantor reports your company’s data to Experian Business. In order to accomplish this, your business needs to establish a business credit account with a credit grantor that reports to this business credit reporting agency. There are three powerful ways to get your business credit file opened with Experian which we cover in this video. One of the fastest ways to get this done is with our business credit card funding program. This program alone established 4-5 revolving accounts reporting to your business credit file with Experian. Another strategy we cover shows you how to add up to eight utility accounts to your Experian credit file in less than 30 days. Best of all you can add up to 24 months of past payment history to your company’s Experian credit file using this strategy alone. Check out each of the sites below for how to open up a business credit file with Experian in record time. https://youtu.be/gDHnYm8_g1w https://businesscreditbuilders.org/business-lines-of-credit/ http://businesscreditbuilderservices.com https://businesscreditbuilders.org/business-credit-building-system/

How do you convert credit cards into cash? Learn two of the best strategies to turn credit cards into cash at 0% APR over and over without having to deal with high cash advance interest rates. In this video we go into how to utilize the balance transfer strategy and how to get cash off a credit card without a cash advance. This is ideal for individuals, business owners and real estate investors who want to access cash instead of using traditional methods like bank lines of credit or installment loans. https://businesscreditbuilders.org/business-lines-of-credit/ Converting credit cards into cash is a popular method used by real estate investors for down payment money. The crucial thing to remember is the balance transfer strategy only works best when you have the right types of personal or business credit cards in the right combination. How you convert credit cards into cash with personal or business credit cards is pretty straightforward. You’re basically doing a cash advance on one card that allows you to cash advance the total credit limit and then transferring the balance onto another card that has a 0% balance transfer APR for 12 or more months. This allows you to avoid the high interest rate on a cash advanced balance while reaping the benefits of 0% APR for 12 months or more depending on what the card offers. Now keep in mind you may have to pay a balance transfer fee up to 3% but where can you get cash at 3% month after month, year after year? You can also turn your credit card to cash for bill payments using a bill pay provider. This strategy allows you to take advantage of 0% APR on purchases since the transaction is treated as a purchase not a cash advance. For more details on how to convert credit cards into cash at 0% APR check out the following sites for details. https://youtu.be/FIhH4UDI0ko https://businesscreditbuilders.org/business-lines-of-credit/ https://businesscreditblogger.com/2017/09/21/convert-credit-cards-into-cash/ http://paybusinessexpenses.com https://businesscreditblogger.com/2018/10/02/plastiq-review/

If you want to build business credit in 30 days, there’s a new business credit building strategy to pay attention to. Whether you are a startup or existing business you can start building business credit fast. As you know access to business credit and funding is an essential part of running a successful company. If you are ready to build business credit in 30 days be sure to check out https://businesscreditbuilders.org/ The most important thing to realize is the benefits of business credit is not only available for big business. Startups and small businesses can also enjoy the same benefits and leverage that a big business has once they know the process and put it into action. Before you start building business credit you will need to incorporate your business, obtain an EIN number and open a business bank account. Your EIN is basically a social security number for your business. This is the number used on your company’s federal tax filings and it’s required to open a business bank account in the company’s name. With an EIN, your business will be able to establish its own business credit identity which is separate from your own personal credit identity. This is required if you want to build business credit in 30 days. By applying the steps listed here you can build a business credit report with 12-15 business accounts reporting with the business credit reporting agencies such as Dun and Bradstreet, Experian Commercial and Equifax Small Business. Although there are many ways you can go about establishing business credit in your company’s name. The fastest way is to follow the five steps that we cover in this presentation. Each of the steps to build business credit outlines here are designed to maximize your future credit limit recommendations while gaining access to working capital. New credit opportunities for your business will become available with a strong business credit report. Once you have a business credit score and multiple payment experiences you can advance the process by getting additional credit from retailers, banks and business credit card issuers using only your EIN. If you are ready to build business credit in 30 days be sure to check out https://businesscreditbuilders.org/ https://youtu.be/_o6YWM7p0mI https://businesscreditblogger.com/ https://businesscreditbuilders.org/business-lines-of-credit/ http://businesscreditbuilderservices.com

https://businesscreditblogger.com/2018/08/29/new-business-loan/ Looking for a new business loan? Discover what it takes to get a business term loan, who it’s ideal for, the requirements, and how to apply. If you’re an existing business, looking to acquire an existing business, or buy a franchise; a new business loan may make the most sense to meet your needs. If you’re a stand-alone startup looking for a loan than you may want to consider a personal business loan rather than a traditional business loan. The fact is it’s extremely difficult for a new business to get a loan from a lender for a business startup. New businesses present the most risk for a lender. With a new business term loan, you get a lump sum loan that is paid back with regular monthly payments at a fixed interest rate over a set period of time. Repayment terms can range from 2 to 25 years depending on the lender. The benefits of a long-term business loan is that you have more time to repay and lower monthly payments. It’s important to understand if you’re applying for a new business loan, you can expect a longer application process which is typically 8-12 weeks using our business term loan program. You will also be required to furnish many more documents such as personal and business tax returns, bank statements and personal credit reports. The funding range when you get a new business loan ranges from $25k to 5 million and rates starting as low as 6%. Now keep in mind even though a business loan offers some of the lowest rates, it doesn’t mean it is the right option for your business. You’ll have to meet all the requirements. For details on how to pre-qualify for a business term loan check out the following sites https://youtu.be/bTpJZfV5-tY https://businesscreditbuilders.org/business-loans/ https://businesscreditblogger.com/2018/08/29/new-business-loan/

https://businesscreditblogger.com/2018/08/07/my-business-credit-report/ Want to know how to open a business credit file? Learn five ways to establish a business credit report for your startup or existing business in a short period of time. If you plan to apply for a business credit cards, business loans, buy equipment, open a credit line with a supplier or just about anything that requires borrowing money, having a business credit file and score established is crucial. With an established business credit file; banks, lenders, suppliers, retailers, etc. will be able to assess the creditworthiness of your company. Look at it as a report card for how your business handles its financial obligations. It's also important to build a business credit file with all three major business credit reporting agencies such as Dun and Bradstreet, Experian Commercial and Equifax Small Business. Once you establish a business credit report you will also want to closely monitor your company credit file so ensure the information is being accurately reported and updated. For more details on how to open a business credit file for your company be sure to check out the following below. https://youtu.be/5ZRQQepNDLQ https://businesscreditblogger.com/2018/08/07/my-business-credit-report/ https://businesscreditbuilders.org/ https://businessfundingengine.com/

http://banklinecredit.com How do you get business loans with bad credit? In this video you will learn what it takes to get a loan for your business even if you had bad credit. Did you know 6 out of 10 small businesses in the U.S. are financially underserved and struggle to find funds to grow? Banks only approve 24% of business loan applications they receive from small businesses and often can't lend less than $100,000 profitably. But the average small business is only looking for $20,000-$40,000 in funding. The good news is there are alternative lenders that offer business loans for bad credit risks. Their lending decision is based off of the company's bank deposit history not personal credit. If you're looking for a loan for your business to finance growth opportunities, fund marketing campaigns, hire people, purchase equipment, purchase inventory, make payroll, or pay rent than this type of business loan may be what you need if you have bad credit. Keep in mind these types of business loans have shorter repayment periods compared to a traditional loan. Also, there are no personal credit checks or personal guarantee required. For more information on how to get business loans with bad credit check out the following. https://youtu.be/ZIvVf-1wmck http://banklinecredit.com https://businesscreditbuilders.org/

https://businesscreditbuilders.org/ Want to know how to get funding for business? Discover the types of business funding that is available for your business whether you are in the startup phase or an existing business. As you know access to cash and credit for business is crucial whether it's to purchase equipment, launch a marketing campaign or cover day to day business expenses. While there are various types of funding for business available it's important to determine first how much funding you need and assess what types of funding you actually qualify for. For startups there are business funding options such as installment loans, bank lines of credit and revolving lines of credit. For existing businesses you may want to consider accounts receivable financing, revenue based loans or invoice factoring. At the end of the day it's important to explore all the various funding options available for your business so you can maximize your company's funding ability. For more details on how to get funding for business be sure to check out the following links below. https://youtu.be/XjvFSy-tl68 https://businesscreditbuilders.org/ https://businesscreditblogger.com/2018/06/22/funding-for-a-small-business/

https://businesscreditblogger.com/2018/06/22/funding-for-a-small-business/ Need to get funding for a small business? Discover how to get maximum funding for your startup or existing business using a proven business funding strategy. Funding for a small business is one of the most important decisions a business owner is going to make. How you decide to fund your business could impact how you operate, grow and expand your business. The first thing to determine is how much funding for your business do you need. Find out what your return on investment will be when you put the funding you acquired to work. Funding for business owners can be a challenge unless you have the right funding strategy. When it comes to getting funding for a business it’s crucial that you understand what is required to get approved for certain types of funding. For all 3 stages of our business funding process the two main factors that determine how much funding and business credit you can get are based on credit and income. Whether you’re in the initial stages of starting a business, own and existing business, or you’re a real estate investor; access to funding in the forms of cash and credit is readily available to you. For details on how to start the pre qualification process for maximum funding be sure to check out the following sites below. https://youtu.be/76GoxbJwvms https://businesscreditbuilders.org/business-lines-of-credit/ https://businesscreditblogger.com/2018/06/22/funding-for-a-small-business/

https://businesscreditblogger.com/2018/06/01/experian-company-credit-report/ Do you have an Experian company credit report? Learn how the recent news released by Experian Commercial impacts your business credit report. Also learn how to check your Experian company credit report to see how many trade references are reporting plus how to establish your Experian business report if your company does not have a file established with Experian Commercial. Experian Commercial is one of the major business credit reporting agencies that maintains credit information on approximately 25 million active U.S. businesses. With the recent announcement by Experian® at their annual Vision Conference the payment data in SBFE data warehouse will now be reporting on your Experian’s Company Credit Report. This is big news that enables small business owners to further build their company credit report with Experian. Up until now your company’s credit information with SBFE was not reporting on Experian’s business credit report. The good news is now that Experian is an SBFE Certified Vendor, the information contributed to SBFE may now report to your Experian Company Credit Report. For more details on how to check your Experian company credit report or to build your reports check out the following links. https://youtu.be/EAEVRRZelh0 https://businesscreditblogger.com/2018/06/01/experian-company-credit-report/ https://businesscreditbuilders.org/business-lines-of-credit/

https://businesscreditblogger.com/2018/05/11/balance-transfer-to-business-credit-cards/ Should you balance transfer to business credit cards? In this video discover five reasons why you should transfer debt on personal credit cards from business related expenses onto business credit cards. The most important ingredient that makes a balance transfer to business credit cards effective is by using business credit cards that only report to the business credit reporting agencies. With business credit reporting cards the debt transferred does not report to the owner's personal credit anymore. Other benefits associated with balance transfers to a business credit card are improving per card and overall credit utilization ratios on the personal credit reports. Remember, only debt that is business related can be transferred from a personal credit card to a business credit card. When you transfer the balance from personal to business you also create a separation from your personal and business expenses. There is no better way to keeping your personal and business expenses separate than by using business credit reporting cards. For more details on how to balance transfer to business credit cards and how to obtain 4-5 business credit reporting cards through our program check out the following links below. https://youtu.be/AekxI0whq54 https://businesscreditbuilders.org/business-lines-of-credit/ https://businesscreditblogger.com/2018/05/11/balance-transfer-to-business-credit-cards/

https://businesscreditblogger.com/2018/05/03/business-credit-reporting-agencies/ What are business credit reporting agencies? Learn 15 business credit reporting agencies you should know about and how to get your business an established business credit file. Business credit reporting agencies are in the business of collecting and maintaining a data warehouse on millions of businesses in the U.S. and around the world. The business credit data they gather on each business is consolidated and compiled into what we all know as a business credit report. Business credit reporting is big business and can impact the types of funding your business can qualify for, what rates it will pay and what repayment terms you will receive. With all that business credit reporting data, the business credit reporting agencies offer various risk assessment and risk management tools such as custom industry reports, company ratings, business credit scores, etc. It’s important to realize that businesses, banks, lenders, vendors, suppliers, retailers, leasing companies and insurance companies share data with business credit reporting agencies they subscribe to. They also request data (business credit report, scores, etc.) from that business credit agency so they can assess the credit worthiness of a company when considering extended credit to that company. The three main business credit reporting agencies are Dun & Bradstreet, Equifax Small Business and Experian Commercial. In addition to these three major agencies it's essential that you get to know the 13 other business credit reporting agencies we cover in this video. For more details on business credit reporting agencies and how to start building your business credit file check out the following sites below. https://youtu.be/QqxWFkUhfpI https://businesscreditbuilders.org/business-credit/ https://businesscreditblogger.com/2018/05/03/business-credit-reporting-agencies/