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  • Getting money for your business is difficult.
  • According to the Bureau of Labor and Statistics, more than half of businesses will fail in five years or less.
  • In addition, 82% of business failures are due to issues with cash flow (U.S. Bank Study)
  • 90% of business owners agree that loans are not easily available (Small Business Majority)
  • 51% of small business owners worry weekly about capital (Firmament Group Study 2017).

This Article Will Cover:

This Article Will Be Helpful To You If:

How to Succeed with Getting Money

Getting Business Credit

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.

Business Credit For EIN

Get business credit for your EIN that’s not linked to your SSN to become more lendable and easily access other capital you need.

Improve Your Fundability

  • The type of business entity you have
  • 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 your business has
  • The type of business licensing your business has
  • The congruence of your records
  • The types of business lending references you have
  • Whether your bank account is set up
  • The way your website and email are set up
  • Numbers you have, such as your EIN, DUNS, and BIN.
  • LexisNexis
  • Dun & Bradstreet
  • Experian
  • The Small Business Financial Exchange
  • Equifax
  • ChexSystems

LexisNexis Reports Include:

  • Every home you’ve ever owned including value and sale prices
  • Building materials for your home
  • HOA info such as beds, baths, and roofing
  • AC Units
  • Deeds and mortgages
  • Title companies
  • Interest rates
  • Loan amounts, terms, and loan types
  • Every phone number and email you’ve ever had
  • All licenses, firearms, mortgages, and violations
  • Traffic tickets, felonies, misdemeanors, sex offender records
  • Name variations
  • Marriage and divorce records
  • Every vehicle owned including VIN
  • Every insurance policy you’ve ever had
  • Every business you’ve been associated with
  • Family information including children
  • Loans and leases
  • Aircraft and boat owner records
  • Public records including bankruptcies, judgements, lawsuits
  • Education information including degrees, schools, dates attended and graduated
  • Military records
  • Online marketing records, and short-term credit offer request records.

LexisNexis Reports Include

  • When you get a home mortgage, car loan, or personal credit card, do you think lenders and credit issuers pull your credit?
  • 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, and the rates and terms that you will pay.
  • 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.
  • This 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, including startups, non-profits, owners outside of the U.S, and people who own multiple businesses.
  • Get approved even when you can’t get any type of loan or credit line, There are no cash flow requirements, no collateral is required, and there are no consumer credit requirements.

Initial Step to Build Credit for your EIN

Use Credit Line Hybrid to Build EIN Credit

  • Get $150,000 with Credit Line Hybrid to build EIN Credit.
  • Credit Line Hybrid offers 0% rates and no DOC
  • You are able to take cash out, and startups and credit partners are welcome.
  • There are no collateral or cash flow requirements.
  • Multiple cards can be approved, typically five to eight.
  • Business and standard cards are available and funding is free roll-in.

Use Vendors to Build EIN Credit

  • Use vendors with no personal guarantee, no terms such as Net 30, and no credit check.
  • Some trade vendors do use minimum purchase, and you must use vendors who report
  • Fundability is important to approval of a vendor.
  • The best reporting agencies are
  • Uline
  • Crown Office Supplies
  • Laughlin & Associates
  • Supply Works
  • Fundability is very important for approval.

Steps to Build Credit for Your EIN

Step 2: Business Credit Reports


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.

Business Finance

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