19d β’ Sweeps
π₯ BUSINESS CREDIT CHEAT SHEET β SAVE THIS π₯
This is your blueprint to build real business credit WITHOUT personal credit, WITHOUT PG, and WITHOUT the runaround.
1οΈβ£ BUSINESS SETUP (MUST BE DONE RIGHT)
Before ANY lender gives you money, your business must be βlender compliant.β
βοΈ You need:
π’ LLC or Corporation
πΌ Business Bank Account
π¬ Real business address (no P.O. Box)
π± Business Phone Number (Google Voice is fine)
π₯οΈ Company Website
π DUNS Number (free on Dun & Bradstreet)
If one thing is missing β instant denial.
2οΈβ£ BUSINESS CREDIT TIERS (FOLLOW IN ORDER)
π¦ TIER 1 β Starter Vendors (No PG)
Use these FIRST to get your credit file reporting:
β Uline
β Grainger
β Quill
β Summa Office Supplies
β Crown Office Supplies
Buy something small β pay invoice early β let it report.
π¦ TIER 2 β More Vendor Accounts
After 4β5 trade lines are reporting:
β Shirtsy
β Office Garner
β HD Supply
β Wise Business Plans
π¦ TIER 3 β Revolving Accounts
Now you can get real credit lines:
β Samβs Club MasterCard
β Amazon Business
β Fuel Cards (Shell, BP, WEX)
β Staples
β Home Depot Commercial
Most donβt require a PG if your business is set up right.
π¦ TIER 4 β BUSINESS CREDIT CARDS + FUNDING
Once you have 8β10 trade lines reporting:
π³ Amex Business
π³ Capital One Spark
π³ Chase Ink
π³ Bank of America Business
π³ Citi Business
π¦ Lines of Credit ($10Kβ$250K)
3οΈβ£ WHAT LENDERS LOOK AT
Lenders check:
π PAYDEX Score (D&B) β needs to be 80+
π Experian Business Score β 76+
π Business bank account activity
π° Monthly revenue (for bigger loans)
β οΈ Business address & phone must match everywhere
If ANYTHING doesnβt match β DENIED.
4οΈβ£ FASTEST WAY TO BUILD BUSINESS CREDIT
Do this:
π₯ Add 4 vendors (Tier 1)
π₯ Pay invoices early
π₯ Wait for them to report
π₯ Add 2 more vendors
π₯ Apply for revolving accounts
π₯ Then apply for business credit cards
You can build $50Kβ$150K in business credit in 90β120 days if you move right.
5οΈβ£ NEVER DO THIS
π« Donβt use a P.O. Box
π« Donβt mix personal & business money
π« Donβt lie about revenue
π« Donβt skip Tier 1 β YOU WILL GET DENIED
π« Donβt wait for vendors to report β check monthly
6οΈβ£ FUN FACT FOR STUDENTS
You can have:
β personal credit
β and business credit
β and multiple LLCs β EACH with their own funding.
This is how you scale to $250Kβ$500K+ in total credit.
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π₯ BUSINESS CREDIT CHEAT SHEET β SAVE THIS π₯
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