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According to the Bureau of Labor and Statistics, more than half of businesses will fail in 5 years or less. In addition, 82% of business failures are due to issues with cash flow, 90% of business owners agree that loans are not easily available, and 51% of small business owners worry weekly about capital.

All-in-one services

Success with Greater Access to Business Credit

Get business credit for your EIN that’s not linked to your SSN to become more lendable.

To succeed with getting the most business credit at the best terms, set up your business where it’s fundable by meeting business lender approval criteria before applying for loans.

Easily access other business capital
you need.

Best solutions

Improve Your Fundability

Have you ever applied for a business credit card and received an automated and instant approval? Lenders and credit issuers have an unpublished set of standards in their Artificial Intelligence systems that must be met for business credit approval.

How fundable your business is will determine if you get automated approvals, or automated denials. Fundable means that the public records and the information on the loan application match, and the data is accurate, and consistent.

Some fundability factors include:

  • The type of business entity. Start with a corporation or LLC.
  • The type of phone number you use: business or cell phone?
  • If your business phone number is listed in certain directories
  • The type of business address you use for your business
  • The type of business licensing your business. Is an occupation license required?
  • The consistency and congruency of the public records to your application data
  • They types of business lending references you have
  • Whether your bank account is set up under the business
  • The way your website and email are set up
  • Your scores under the company EIN, the DUNS, and BIN

Even if your business is fundable

Even if you are fundable, most business loans applications get denied because of potential fraud concerns, not because you don’t qualify

Business Lenders

Business Lenders combat fraud by matching your company and application details against other data they have from places such as:

  • LexisNexis
  • Dun & Bradstreet
  • Experian
  • The Small Business Financial Exchange
  • Equifax
  • ChexSystems

Build Credit for Your EIN

Business applies for Money

When your business applies for money your business credit is being used to determine:

  • If you’ll get approved
  • How much you may get approved for.
  • Get approved regardless of consumer credit quality
  • No personal guarantee is required, and there are no consumer credit inquiries or reporting
  • Credit limits 10-100 times consumer credit
  • Get credit quickly because scores are based on payment history
  • Separate reports of consumer and commercial
  • Establishes your credibility for lenders, suppliers, and credit issuers.
  • Anyone can see your business credit reports.
  • You can be issued a failing score for your business, even if you have no credit reporting, because you appear unestablished or possibly on the verge of filing bankruptcy.
  • Even one account reporting can change a failing score to a great score to become more lendable.
  • As you continue to grow your credit, the business reporting agencies recommend you for more and more money, helping you get higher approvals on business credit.
  • Any business can qualify for business credit
  • Startups

  • Non-profits
  • Owners outside U.S.
  • People who own multiple businesses
  • Get approved even when you can’t get any type of loan or credit line
  • No cash flow requirements
  • No collateral required
  • No consumer credit requirements

Initial Step to Build Credit for Your EIN

Get initial credit

  • Credit must report to business CRAs

  • Credit issuers must approve with no current credit
  • Personal guarantee and non-personal guarantee available

Use Credit Line Hybrid to Build EIN Credit

  • Get $150,000 credit line hybrid
  • 0% rates
  • No DOC
  • Take cash out
  • Startups and credit partners are welcome
  • No collateral or cash flow requirements.
  • Multiple card approvals, typically 5-8
  • Business and standard cards
  • Funding free roll-in

Use Vendors to Build EIN Credit

Use Vendors

Use vendors with no personal guarantee

  • No terms such as Net 30
  • No credit check
  • Some trade vendors use minimum purchases
  • Must use vendors who report
  • Fundability is important to approval
  • Best reporting agencies: Uline, Crown Office Supplies, Laughlin & Associates, Supply Works

Steps to Build Credit for Your EIN

  • With 5+ accounts reporting, apply for Retail Credit Tier
  • With 8+ accounts reporting, apply for Fleet Credit Tier
  • With 14+ accounts reporting and a $10,000 high-limit get Credit Cash Tier and auto financing.
  • Post- COVID-19, underwriting relationships really matter
  • Don’t authorize personal guarantee or credit check
  • Use the credit you get
  • Pay bills early
  • Get loans and credit lines that report
  • Watch employee numbers when filing annual reports

How to get Money to Grow Your Business

As an Entrepreneur

As an entrepreneur, you should be able to get the money you need, when you need it

Approval Standards

However, not knowing approval standards, not having business credit, and not being able to access all funding options in one place is holding you back.

Credit Suite’s Business

Credit Suite’s Business Finance Suit helps you do all three to get the most of your money at the best terms.