Your business credit is connected to your Employer Identification Number (EIN), just like how your consumer credit is linked to your Social Security Number (SSN). So, when you apply for business credit, it's usually not necessary to provide your SSN.
To start building your business credit profile, it's important to properly set up your business entity and create a positive credit history with small vendor accounts. As you pay those suppliers on time, you will eventually become eligible for revolving store credit cards and even cash credit that you can use anywhere, similar to a personal credit card.
Please note that due to federal regulations, you will still need to provide your SSN for identity verification purposes. Additionally, offering a personal guarantee can expand your financing options.
You can become eligible for usable vendor credit right away. In 60-90 days, you may qualify for store credit that doesn't require a personal credit check or personal guarantee. Within 6 months, you should have access to $50,000 in usable credit, including Visa and MasterCard accounts.
As you continue to build your business credit, you could have access to $100,000-$250,000 or more within a year to two. With the Funding Warehouse, you (and your clients if you're a partner with us) can also gain access to additional cash funding programs within a few months or less.
Note: The client access applies if you partner with us to offer our services to others.
The Biz Credit 365 features the Business Credit Builder Program, a comprehensive online solution to help you establish a strong business credit profile. This tailored program takes you step by step through the process, making it simple and intuitive for you to get the funding you need.
As you use the program, you'll have real-time visibility into the lending and credit sources you're pre-qualified for, so you can feel confident in your chances of approval before you apply.
You'll also have access to a dedicated team of business credit advisers and finance officers who are ready to provide concierge service throughout your journey. With a powerful online platform and expert support at your fingertips, you can be sure of success if you fully engage in the program.
While our abundance of free resources such as guides, articles, videos, and seminars provide ample knowledge on how to secure business credit, there are still additional services that must be paid for. This includes 411 listings, credit monitoring, and credit building programs to report to the right agencies, which can cost over $3,000. And even then, finding vendors and lenders is still an obstacle you'd have to tackle.
With us, you get the added advantage of our established partnerships and affiliations, giving you access to the collective power of our entire company and client base. This means you get to leverage our credibility and expertise to secure the best terms, rates, and limits from our funding sources.
We have a proven track record of success in the business credit and financing industry, allowing us to continuously add more funding options to our already extensive network. This results in the largest supply of vendors and credit issuers you won't find anywhere else.
Ultimately, attempting to secure business credit and financing on your own or through other means will cost more, take longer, and potentially have limitations. With us, you can rest assured that you'll get the maximum amount of funding in the quickest amount of time and at the lowest rates possible.
To gain a better understanding of how our services work, we encourage you to watch our Biz Credit 365 Tutorial Video. And if you're interested, you can also earn income by offering our services to others. Discover more here.
Starting out, obtaining Business Credit was a complex and confusing process, especially when not linked to an SSN. The was also a lack of reliable information and software for repairing personal credit made the journey even harder. However, over time, our company has refined and advanced our Biz Credit 365 and Perfect Score 365 programs to make the process as simple and straightforward as possible.
With the Biz Credit 365 and Perfect Score 365, every step of the journey is supported by easy-to-follow educational videos and direct resource links. If you ever need additional help, our expert business credit advisors and finance officers are always available to assist you.
As long as you're dedicated to following our instructions and committed to your own success and that of your business, you can absolutely achieve your goals, even if you're not tech-savvy. It's important to keep in mind that we don't build or repair your credit for you, but we provide comprehensive step-by-step guidance, advanced technology, and education to help you reach your goals
The legality of obtaining business credit and repairing personal credit is a common concern among our clients. Rest assured, everything we offer and guide you through is completely legal and compliant with industry regulations.
As for trust, our company has a proven track record of helping thousands of clients achieve their business credit and financing goals. We are transparent and upfront about all the steps involved, and our team of expert business credit advisors and finance officers are available to answer any questions you may have. Additionally, we have an extensive library of testimonials and success stories from satisfied clients who have successfully utilized our services.
We have a spotless record, with no lifetime complaints registered with the BBB and other regulatory bodies. In contrast, other companies in the same industry have a high number of grievances. You can see our glowing record for yourself - our "A" rating with the BBB, our 5-star Trustpilot reviews, real-life approvals, client testimonials, and more by simply clicking here
If you're ready to get started building business credit, you can check out our membership options here.
If you're ready to get started repairing your personal credit, you can check out our membership options here.
If you would like to see if you're currently preapproved for financing with our Funding Warehouse, click here.
If you have questions and would like to speak with someone directly, you can schedule a consultation appointment here or give us a call at (888) 410-9330. If you have a quick question, you can send a message to our Facebook page and we will respond within one business day.
Certainly! Our partner programs are designed to help you not only improve your own credit and secure funding for your business, but also to offer these services to your customers. With the Entrepreneur 365 and Tycoon 365 systems, you'll have a comprehensive solution for both yourself and your clients.
As a licensed partner, you'll be able to promote and sell our products and services under your own brand, and earn commissions in the process. We'll provide you with marketing materials and extensive training resources, so you'll have everything you need to succeed.
After just a few hours of video training, you'll be able to guide clients through our automated workflows, and our certified business advisors will take care of the rest, providing personalized support throughout the process.
In short, you simply make the sale, collect your profits, and let us handle the rest. You can even expand your reach by adding other agents to your down line, increasing your potential for even more commissions and profits.
For more information, be sure to watch our partner welcome video here and check out our partner pricing page here.
We offer three main partner packages, including the Referral Agent 365 for those who simply want to offer our services and earn a profit.
For those who want to build their business credit, improve their personal credit, and secure financing for their business, as well as offer these services to customers, our Entrepreneur 365 and Tycoon 365 programs are the perfect solution. We provide a comprehensive turn-key system to help you achieve your goals, and generate revenue for both you and your clients.
Once you enroll, you'll become a licensed partner with the ability to sell our services and products under your own brand through your own white-labeled website. You'll have access to marketing materials, extensive training resources, and all the tools you need to succeed.
With just a few hours of video training, you'll be able to present our services to clients, accept payments, and guide them through the process of accessing funding and building their business credit. Our certified business advisors will handle the rest, providing personalized support and ensuring a seamless experience.
In summary, you make the sale, earn high profits, and we handle everything else, making this a hassle-free opportunity with no back-end management required.
Your business has its own credit profile, just as you have your own personal credit file linked to your Social Security Number (SSN). When you apply for a loan, credit card, or set up utilities for your business, credit reporting agencies such as Experian, Equifax, and Dun & Bradstreet may begin tracking your business credit.
However, unless you take specific steps or leave out your SSN during the application process, most of your business credit will not be reported to the credit reporting agencies.
It is possible to establish real business credit without providing your SSN, and this credit will not appear on your personal credit reports. Building up your business credit profile and score through your Employer Identification Number (EIN) is crucial in helping you secure bank loans and credit cards, and it can be used as a standalone factor to approve you for various types of credit without requiring a personal guarantee.
Every successful private and public company in the United States has business credit, and even startups can obtain it by following the right steps.
The first step is to make sure your business meets the standards of credit issuers and lenders. Then, you can obtain usable credit through vendors who are willing to offer credit even if you have no established EIN credit. They will report this credit to the business credit reporting agencies such as Experian, Equifax, and Dun & Bradstreet.
Within 60 days or less, your EIN will have an established credit report and score after the credit is reported. Using this report and score, you can then apply for various tiers of credit and gain access to revolving credit at most stores, credit linked to your EIN rather than your SSN, and credit that does not require a personal guarantee or credit check for approval.
As you continue to build your credit, you can obtain fleet cards and even Visa and MasterCard cash credit. With a well-established business credit profile, you are more likely to receive loans and credit lines at favorable terms.
You are not required to hold any specific licenses or certifications to sell the Biz Credit 365 or the Perfect Score 365, as it is considered a software product. There are no state or federal restrictions or requirements for selling business credit, so there's no need for any special licenses or bonds.
The enrollment fee may vary based on the program you choose. If you enroll as a client in the Biz Credit 365 or Perfect Score 365 program, you will have access to your own account where you can obtain business credit and financing, along with support from our advisors and finance officers.
The Entrepreneur 365 partner program offers the benefits of the Referral Agent 365 partner program, plus the added advantage of being able to obtain business credit, credit improvement and financing for your own business. You will also receive marketing and training materials to run your own business credit and financing business.
For those who choose the Tycoon 365 program, you will receive the benefits of both the Referral Agent 365 and Entrepreneur 365 programs, plus customized marketing and a set up sales funnel.
The average cost of our partner programs ranges from $1,500 to $4,500. By selling these programs, you will earn a commission for each sale made, covering the cost of your own partner program, the support from our advisory team, and complete access to our finance programs and team for your clients. This results in you making an average profit of $700 to $2,500 per sale.
The timeline for repairing bad credit can vary based on the severity of the credit issues and the steps taken to address them. Generally, it can take several months to a year or more to see significant improvements in your credit score. To repair bad credit, you should assess your credit, dispute any errors, address delinquent accounts, reduce credit utilization, establish a positive payment history, consider a secured credit card or credit builder loan, and be patient. It's important to understand that repairing bad credit takes time and consistent effort.
The Perfect Score 365 features the Credit Restoration Program, a comprehensive online solution to help you repair and establish a strong credit profile. This tailored program takes you step by step through the process, making it simple and intuitive for you to dispute erroneous errors on your credit so you secure your financial future.
As you use the program, you'll have real-time visibility into the lending and credit sources you're pre-qualified for, so you can feel confident in your chances of approval before you apply.
You'll also have access to a dedicated team of credit advisers and finance officers who are ready to provide concierge service throughout your journey. With a powerful online platform and expert support at your fingertips, you can be sure of success if you fully engage in the program.
The Funding Warehouse is designed to allow you to apply for many types of loans and get assistance applying for loans if needed. It’s pretty simple and takes very little time on your part. Simply fill out our brief loan request form and let us know what you’re looking for and start a search, we’ll match you with loans that match the criteria you set.
It is much easier to qualify for a loan when you already have plenty of options all in one place. You have a much better chance of getting the funding you need when you have state-of-the-art technology that searches for the right loans using the criteria you set