I was recently approved from 7,200$ for Navy Federal's cash rewards CC. They offer a 250$ cash bonus and 1.99% on balance transfers.

Most current information available, BHG Financial continues to offer loans to sole proprietorships. BHG Financial provides business loans that can be utilized by various business structures, including sole proprietorships, to meet a range of financial needs such as debt consolidation, business expansion, or covering operational expenses. Their business loans typically range from $20,000 to $250,000, with well-qualified borrowers potentially eligible for up to $500,000, and they offer flexible repayment terms of up to 12 years. BHG Financial does not explicitly exclude sole proprietorships from their lending options and, in fact, markets their services to small business owners and professionals, a category that often includes sole proprietors. They emphasize a streamlined application process with no impact on personal credit during the initial inquiry and tailor loan solutions based on an applicant's credit profile and income, which aligns with the needs of many sole proprietors who may rely on personal creditworthiness for funding. Courtesy of my friend @Winston Sam

Navy Federal Credit Union (NFCU) is the largest credit union in the nation and is known as "The House of High Limits." It is highly regarded for its ability to help individuals build credit. In this lesson, we will learn how to become a member of NFCU, even if you are not affiliated with the military or have any relatives in the military. NFCU has certain rules that should be followed when applying for credit cards or credit limit increases. The 91/3 rule suggests waiting at least 91 days and ensuring that 3 billing cycles have closed before attempting any other credit-related activities at NFCU. This rule emphasizes the importance of allowing sufficient time for billing cycles to complete. There is a belief that applying for credit cards during late-night hours when the NFCU credit underwriting office is closed may increase the chances of instant approvals and higher credit limits. However, the significance of the time of day is debated, and it is generally believed that credit approvals are primarily based on factors such as a solid credit report, verifiable personal identification information, and a good relationship with NFCU. NFCU offers various credit products with high limits and no documentation requirements. The Navy Federal Flagship Credit Card has a limit of up to $80,000 without requiring extensive documentation. Other cards, like Cash Rewards, have maximum limits of $50,000. It is recommended to stick to Visa/Mastercard network versions of the cards and avoid Amex network cards. NFCU also provides personal loans up to $50,000 with no documentation required, home improvement loans up to $50,000 without verifying home ownership, and auto loans up to $100,000 with excellent rates. NFCU offers credit builder products, such as the "Pledge Loan," which is a savings-secured loan that helps generate a positive installment account on your credit profile. This loan does not require a credit check and can be opened even with bad or no credit. Additionally, NFCU offers a secured credit card that helps build credit and can graduate to higher limits and better cards, such as the Flagship, after holding the Cash Rewards card for a year.