If you’re trying to grow your business without draining your personal credit… business credit is your best friend. And the good news? You can start building it no matter where you’re starting from.
Here’s the simple path we teach entrepreneurs:
1️⃣ Form your LLCThis makes your business “lendable.”
2️⃣ Get your EINYour business needs its own identity with the IRS.
3️⃣ Open a business checking accountBanks want to see separation between you and the business.
4️⃣ Apply for beginner-friendly vendor accountsUline, Quill, Grainger — these help you start reporting positive payments.
5️⃣ Build your profile → move up to store cards → then business credit cards & linesThis is where real funding becomes available.
Strong business credit gives you:
✔ Higher limits
✔ Better interest rates
✔ More leverage
✔ More room to grow
Most people skip steps or rely too heavily on personal credit. You don’t have to. This path works for brand-new entrepreneurs, side hustlers, and established businesses.
Question for the community:What part of building business credit feels confusing or overwhelming right now?
Let’s talk through it together.