Business credit cards
The fastest line to open and the easiest to grow. Card limits scale with your business credit profile, and spend on them builds the profile further.
Your Business Should Be Able to Stand on Its Own Financial Feet.
We help business owners strengthen the profile lenders evaluate, establish business credit where appropriate and prepare for funding opportunities.
Before you ask for capital, make the business look fundable.
A business credit profile separates your company's borrowing power from your personal report. We build it deliberately, in order.
STEP 1Structure the profile
Entity, filings and bureau registrations set up correctly, so lenders see a fundable business instead of a hobby.
STEP 2Build tradelines
Vendor and trade credit reporting to the business bureaus. For every $1,000 in business card spend, there is a corresponding lift in what lenders extend.
STEP 3Position for approval
When the profile is ready, we connect you with lenders through our in-house underwriting team and the Bankable portal.
Working capital, up to $250,000
Starting a new business or growing one, our funding program can position you to apply for up to $250,000, in some cases within about 7 days, subject to lender approval, with 0% interest introductory terms on qualifying programs.
- Position for approval. We fix what would get you declined before anyone pulls your file.
- Connect with lenders. Direct relationships, not a lead form that sells your number.
- In-house underwriting reviews your file the way the bank will, first.
Funding is not the finish line. Affordable capital is the goal.
Owners consistently name three funding sources as most important. Each one runs on credit you can build.
Trade and vendor credit
Net-30 terms with suppliers keep cash in your pocket for weeks and report as tradelines. It is the quiet workhorse of business credit building.
Bank loans and credit lines
The cheapest money with the highest bar. A built profile with clean tradelines is what gets a bank line approved at a rate worth taking.
Retained earnings
Profits are funding too. Good credit protects them, because every point of interest you do not pay stays in the business.
Business credit and funding, answered
The questions owners ask before they apply. Straight answers, no approval promises.
Business credit is a record of how a company manages financial obligations. Business credit bureaus and lenders may use company payment history, public records, financial information and other factors when evaluating risk.
Start with a properly established business, consistent business information, dedicated banking and accounts that report business payment history where appropriate. Some lenders may still require a personal guarantee, especially for newer businesses.
Potentially. Approval depends on the lender and factors such as time in business, revenue, cash flow, industry, business credit and sometimes the owner's personal credit. New businesses generally have fewer financing options than established companies.
There is no universal amount. Funding depends on the business, lender, revenue, credit profile, cash flow, existing obligations and underwriting standards. Any advertised maximum should be treated as a potential ceiling, not a guaranteed approval.
Lenders may evaluate consistent business records, revenue, cash flow, debt obligations, payment history, credit profiles, industry risk, time in business and the strength of the application. Requirements vary by lender.
They are separate profiles, but they can overlap. Some business lenders review personal credit or require a personal guarantee, particularly for newer or closely held businesses.
Get funded. Call today.
Talk through your funding goal with a specialist. We will tell you what the file needs before any lender sees it.