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We build your business its own credit identity, separate from your SSN. D-U-N-S setup, vendor tradelines, bank rating optimization, SBA-ready borrower file. So your LLC can finally borrow on its own name, not yours.
Most founders run their company on personal credit cards, then wonder why the SBA loan, the equipment lease, or the line of credit gets denied. The bank pulls the LLC. They see nothing. So they pull you. And you're already maxed out funding the business.
Banks pull your LLC's profile and find nothing. To them, that's the same as a sole prop. So they fall back to your personal SSN.
Six months of payroll, inventory, and Stripe fees on your Amex push your utilization past 70%. The personal score that was getting you approved is now blocking everything.
Without a D-U-N-S Number, suppliers default to "credit card on file." Cash flow gets crushed. Growth stalls because you can't float inventory.
Equipment lease, fleet card, commercial property, business credit card. Every approval comes with your house, your savings, and your future on the line.
We don't sell you a tradeline kit and a PDF. We work the full setup, then build the file into something a real bank will fund. Six steps, three phases, one outcome.
Direct registration with Dun & Bradstreet, the foundation of every business credit pull. We handle the application and follow-through.
Curated vendors that report to Experian Business, Equifax Business, and D&B. Each one builds your file with real, on-time payment data.
Your business bank account is rated 1 through 5 by lenders. We coach you on the deposit, balance, and history patterns that move you to a fundable rating.
Once Tier 1 reports, we move you into store cards (Home Depot, Lowe's, Staples) and fleet cards (WEX, Fuelman) that report to your business profile.
The endgame. Business credit cards in the LLC's name, business lines of credit, equipment financing, and SBA-ready application files.
Live tracking of all three business bureau profiles (Experian, Equifax, D&B) so you see exactly when each tradeline reports.
Specific tradelines, vendors, and approval outcomes depend on your business profile, time in business, and revenue. We don't and can't guarantee any specific funding amount or vendor approval.
Banks need a paper trail before they'll lend. We make sure every box is checked.
Every paid invoice becomes a data point. We engineer the order so each tier unlocks the next.
The reason we did all this. A fundable file your business can borrow against without your SSN.
Pick a time. We'll review your entity, current credit profile, and tell you exactly which phase you're in and what it'll take to get to fundable. No card, no contract, no pitch.
Because banks, vendors, and lessors that lend to "businesses" actually pull your LLC's credit profile, not yours. If that profile is empty, they fall back to your personal SSN, and now your house and your kids' college fund are co-signing every line. A real business credit file lets the company borrow on its own.
Foundation: 2 to 4 weeks (D-U-N-S can take that alone). Initial reporting: 60 to 90 days for the first Tier 1 vendor accounts to show up. Fundable file: typically 6 to 12 months depending on revenue and how aggressively you can use the tradelines we set up. We'll give you a realistic timeline based on your specific situation on the call.
Yes, your business should be a legal entity (LLC, S-corp, C-corp). If you're operating as a sole prop or DBA, business credit isn't possible because there's no separate entity to lend to. We can point you to incorporation services on the call if you need to take that step first.
Setting up a D-U-N-S Number and Tier 1 vendor accounts does not require a personal credit pull. Some Tier 2 and Tier 3 cards (especially in the early stages) may pull personal credit and require a personal guarantee. We tell you which ones do and which ones don't, and our goal is always to move you toward no-PG funding as fast as your file allows.
No, and any business credit company that does is selling you something that's not legal. Approvals depend on your time in business, revenue, industry, and how the file gets built. What we guarantee is the work: D-U-N-S registration, tradeline setup, profile monitoring, and a real fundable file at the end of the program if you follow the playbook.
Then we usually start with credit repair on the personal side first. Some early Tier 2 cards (Amazon, Home Depot in some cases) and most Tier 3 funding still pull personal credit, so a sub-620 personal score limits what's reachable. The good news: while we work the business profile, we can simultaneously work the personal one. Many of our business credit clients are in both programs.
20 minutes. No card. No commitment. Just a real answer about whether your LLC can borrow on its own name.