Hey guys, I am curious is there some fast track to Amex Business Gold without any personal or business credit history? We have US LLC that has been in business since 2021, we do around 300k monthly on AdSpend, we hold direct contracts with largest media platforms and some big financial service providers in US. ITIN for UBO is in progress. Currently banking with Mercury and Slash. We are in process of securing business lease, proofs and everything around that. Does it makes sense and is there a way to shoot instantly for Amex Business Gold or we should start building slow?

If you're running a US business and haven't looked at Flex yet, it's worth a few minutes. They've built a full stack, a charge card, financing products, and business banking - and the terms are genuinely competitive, especially the float on the card. Quick eligibility note first, since a lot of us here are international: - Credit products (the card, Bill-Pay Later, capital) are open to any US business, foreign-owned or domestic. If you have a US LLC or C-Corp, you can apply regardless of where you're based. - Banking is currently US businesses with a real US address only (they'll ask for a lease as proof). The good news: they've told us they're opening banking to international UBOs and businesses soon. Here's the full lineup: 1. Flex Card - 0% APR on Net60 - up to 74 days of float per transaction (you spend interest-free and pay it back up to ~74 days later) - Up to 2.5-3% cashback (depends on underwriting and your spend) - Scheduled cashback you can take daily, weekly, bi-weekly, or monthly, in the 1.5-2.65% range - Switch between Net60 and cashback month-to-month - so you lean on float when you need working capital and cashback when you don't. That toggle is the part most people overlook; it's a real cash-flow lever. 2. Bill-Pay Later - Pay vendors and bills now, settle later: 3-3.5% for 60-70 days via ACH, pro-rated daily - Handy for invoices and suppliers that don't take cards 3. Flex Capital - 0.8-1% per month, custom terms - Fixed or revenue-based repayment (with caps) - 6-12 month terms - Weekly, bi-weekly, or monthly repayment 4. Flex Banking - Expense management with full spend/management controls - Unlimited users and cards, each with its own limits - 1% back on debit card spend - Up to $3M in FDIC insurance - Up to 2.6% APY on balances - No fees, no minimum balance - Free international wires and domestic transfers - Built-in bill/invoice management and payments

On June 2, I submitted my application for Navy Federal Credit Union membership and a checking account with a debit card. I applied as a nonresident alien, using my ITIN, as a European citizen. During the application process, I selected the option to submit Form W-8BEN later. After five days, I received a confusing message asking me to complete and submit Form SSA-89 so that the Social Security Administration could verify my SSN. ( https://www.skool.com/itin/navy-fcu-asks-for?p=8f30b2db ) I responded factually and asked them to reconsider the request, since I had clearly stated that I do not have an SSN and that I am a nonresident alien. I also explained that completing Form SSA-89 would effectively require me to make a false statement, and I asked them to verify whether the form was really necessary in my case. In addition, I attached a copy of my passport, a copy of my ITIN notice (showing my foreign address), proof of my U.S. address, and my completed Form W-8BEN. After 48 hours, I received the approval email.

Hey guys, do you think it's safe to pay for my business ads with my chase & capital one personal credit cards? AI told me that I don't break any of their policies, I was wondering if anyone had any experience doing that, I just don't want to get my account suspended. Thanks!

Mercury says the following: "Yes, using IO6 may help your company establish a strong credit history and improve your business credit score. Mercury reports IO payment history to Experian, Equifax and Dun & Bradstreet, three major business credit bureaus. Reporting your IO payments can help your company establish a strong credit history, improve your credit score, and open doors to more opportunities for growth and financing." I am curious does this works for foreign owned single member LLC and does this gives you better starting position at traditional banks and their credit products?