How to easily build business credit that's not linked to your SSN in 4 simple steps. Business Credit is perfect for people with bad perosnal credit profiles.

1. How to Easily Build Business
Credit That’s Linked to Your
EIN Not Your SSN in 4 Simple
Steps

2. Do you want money and credit
for your business?
• Then you have made the right decision by
attending today
• ALL we are going to talk about is how you can
obtain business credit and financing for your
company…
• And this webinar applies to you whether you’re
a startup or established business, have personal
credit challenges, or have been denied
financing by a bank

3. What We Will Cover Today
• Business Credit Decoded- What business
credit REALLY is and how you can high-limit
revolving business credit cards and lines
very quickly
• The reasons every business owner HAS to
have business credit to survive and thrive
• A look at actual business credit building
results from people like YOU and see how
you can get approved for similar high-limit
business credit accounts
• How to insure you qualify to be approved
BEFORE you even apply for business credit

4. What We Will Cover Today
• How to get copies of your business credit reports to see
what they know about you now- and discover how to
get a FREE DUNS number with Dun & Bradstreet saving
you $799
• How to get approved for initial business credit even if
you just opened for business TODAY
• How to get credit with retailers Lowes, Walmart,
Target, Best Buy, BP, Chevron, Sam’s Club, Costco, and
Visa, MasterCard, and, Discover, and Amex credit
that’s not linked to your SSN and requires NO personal
credit check

5. Let’s Face it… Most People FAIL
Building Business Credit
• And the lack of business credit can cause the
business to suffer, not thrive
• 90% of the business population does not have
established business credit
• Many apply and get denied
• Many try to apply and include their SSN on the
application and have their personal credit pulled
• Most have no idea where to get business credit
• Most apply for credit in the wrong order and get
denied and this makes matters worse

6. I don’t want to waste your time…

7. This seminar might be for you if…
• You own a business or are thinking about starting
one and are looking for cash and credit to start,
build, and grow a thriving business
• If you have ever been denied financing anytime
in the past or think you might
• If you want to obtain lots of money for your
business that is not linked or reported on your
personal credit and requires no credit check or
guarantee from you
• If you have or have ever had credit challenges or
less than perfect credit

8. This Seminar Might Not be for You
if…
• You are looking for money to fall out of the sky
without you doing any work to obtain it
• You need $1 million dollars tomorrow
• You are trying to obtain a bunch of credit with
no liability with the intention of never paying it
back
• You are trying to build and sell bogus
“shelf” companies that people
don’t need

9. Let me take a moment and tell you
why I can help

10. My Story
• If you don’t think you can obtain business
credit, I know how you feel
• I owned several companies and was never
able to build any business credit or obtain any
financing and struggled to get started
and just stay afloat
• A buddy introduced me to a business credit
building system that changed my life

11. Actual Business Credit Approval…

12. Actual Business Credit Approval…

13. Actual Business Credit Approval…

14. Actual Business Credit Approval…

15. Actual Business Credit Approval…

16. Actual Business Credit Approval…

17. Business Credit
• Business Credit is credit that is obtained in a
Business Name
• With business credit the Business builds its
own credit profile and credit score
• With an established credit profile and score,
the business will then qualify for credit

18. Business Credit
• This credit is in the business name and based
on the business’s ability to pay, not the
business owners
• Since the business qualifies for the credit, in
some cases there is no personal credit check
required from the business owner

19. Business Credit
• The business can use its credit to qualify for
revolving store credit cards like Staples,
Lowes, Sam’s Club, Costco, BP, Wal-Mart,
even MasterCard, Visa, and AMEX
• The business can also qualify for credit lines
and loans

20. Business Credit Benefits
• A credit profile can be built for a business that
is completely separate from the business
owner’s personal credit profile
• This gives business owners DOUBLE the
borrowing power as they have both Personal
and Business credit profiles built

21. Business Credit Benefits
• Business credit scores are based only on
whether the business pays its bills on time
• A business owner can obtain credit much
faster using their business credit profile versus
their personal credit profile.

22. Business Credit Benefits
• Approval limits are much higher on business
accounts versus personal accounts
• Per SBA, credit limits on business cards are
usually 10-100 times higher than consumer
credit

23. Business Credit Benefits
• When done correctly
Business Credit can be built
without a personal credit
check
• Business credit can quickly
be obtained regardless of
personal credit quality

24. Business Credit Benefits
• Most business credit can be obtained without
the owner taking on personal liability, or a
personal guarantee
• This means in case of default, the business
owner’s personal assets can’t be pursued

25. Business Credit Benefits
• When a business owner applies for financing,
their business credit IS reviewed
• Not having business credit established will get
an owner DECLINED for financing
• There are no regulations that require the
lenders notify the business owner for their
reason for denial, so most never know

26. 4 Easy Steps to Quickly
Building Business Credit

27. IMPORTANT NOTE…
This is where I recommend you
switch to a live walk-through
presentation of the finance suite,
then come back to this power point
on slide 65

28. Business Credit Building
– The business starts with no credit profile
– The business gets approved for new credit that
reports to the business credit reporting agencies
– The business uses the credit and pays the bill
timely
– A positive business credit profile is established
– As the business continues using the credit and
pays bills timely it will qualify for more credit
A business starts building a brand new credit profile
much the same as a consumer does

29. Step 1- Build Business Credibility
• The perception lenders, vendors, and creditors
have of your business is critical to your ability to
build strong business credit.
• Before applying for business credit a business
must insure it meets or exceeds
all lender credibility standards
• There are over 20 credibility points that are
necessary for a business to have a strong,
credible foundation

30. Business Name
• It is very important that you use your exact
business legal name
• Your full business name should include any
recorded DBA filing you will be using
• Insure your business name is exactly the same
on your corporation papers, licenses, and
bank statements

31. Corporate Entities
• You can build business credit with almost any
corporate entity type
• If you truly want to separate business credit from
personal credit your business must be a separate
legal entity not a sole proprietor or partnership
• Unless you have a separate business entity
(Corporation or LLC) you might be
"doing business" but you are not
truly "a business“
• You need to be a Corporation or
an LLC in order to separate
personal from business +

32. EIN
• Whether you have employees or
not, your business entity must
have a Federal Tax ID number
(EIN)
• Just like you have a Social Security
Number, your business has an EIN
• Your Tax ID number is used to
open your bank account and to
build your business credit profile
• Take the time to verify that all
agencies, banks, and trade credit

33. Business Address
• Business Address
–Must be a real brick-and-mortar building
–Deliverable physical address
–Cannot be a home address
–Cannot be a PO Box
–Cannot be a UPS address
• Some lenders will not approve and
fund unless this criteria is met

34. Business Address
• Business Address Solutions
– Address Only - Receive mail and packages at your
dedicated business address.
– Virtual Office - Professional business address,
dedicated phone and fax numbers, receptionist
services, and part-time use of fully furnished
offices and meeting rooms.
– True Office - Your own full-time private office with
receptionist services, dedicated phone and fax,
internet, full furnishings, meeting rooms, and
more.

35. 411
• You must have a dedicated business phone
number that is listed with 411 directory
assistance, under the business name
• Lenders, vendors, creditors, and even insurance
providers will verify that your business is listed
with 411
• A toll-free number will give your business
credibility, but you must have a LOCAL business
number for the listing with 411 directory
assistance

36. Phone Number
• Lenders perceive 800 Number or toll-free phone
numbers as a sign of business credibility
• Even if you're a single owner with a home-based
business, a toll-free number provides the
perception that you are an even bigger company
• It's incredibly easy and inexpensive to set-up a
virtual local phone number or a toll free 800
number

37. Phone Number
• A cell or home phone number as
your main business line could get
you "flagged" as an un-established
business that is too high of a risk.
• DON'T give a personal cell phone or
residential phone as the business
phone number
• You can forward a virtual number
to any cell or land-line phone
number

38. Fax Number
• Lenders perceive a credible business as one
with a fax number
• As a business you will need a fax number to
receive important documents, you will also
need it to fax in some of your credit
applications
• You can setup an e-fax that goes directly to
your email

39. Website
• Credit providers will research your company on
the internet
• It is best if they learned everything directly from
your company website.
• Not having a company website will severely hurt
their chances of obtaining business credit
• There are many places online that offer
affordable business websites so you can have an
internet presence that displays an overview of
your company's services and contact

40. Email
• It is important to get a company email address
for your business.
• It's not only professional, but greatly helps
your chances of getting the thumbs up from a
credit provider.
• Setting up a business email address is just too
easy and inexpensive to neglect

41. Email
• Avoid using free email
services like Yahoo and
Hotmail
• There is nothing worse than
credit providers seeing an
email address like
partychic2009@yahoo.com
• The Email address should be
yourcompany.com
• A great example is an email

42. Bank Account
• Your business banking history is vital to your future
success of being able to secure larger business loans
• The date you open your business bank account is the
day that lender's consider your business to have
started
• So if you incorporated your business 10 years ago,
but you just opened the business bank account
yesterday, then your business started yesterday
• The longer your business banking
history, the better your
borrowing potential will be

43. Bank Account
• Having a high account balance is essential in
obtaining an excellent Bank Rating
• Having a good Bank Rating is essential for
approval
• Try to keep a bank balance of $10,000 or
higher for a High 5 Bank Rating

44. Licensing
• One of the most common mistakes when building
credit for your company is non-matching
business addresses on your business licenses
• Even worse is not having the "required" licenses
for your type of business to operate legally
• You will need to contact the State, County, and
City Government offices to see if there are any
required licenses and permits to operate your
type of business

45. Licensing
• State business filings listed correctly
• County license and/or permit filings listed
correctly
• City license and/or permit filings listed
correctly
• IRS filings listed correctly

46. Business Listings
• Take the time to verify that main agencies
(State, IRS, Bank, and 411 national directory)
have your business listed the same way and
with your Exact Legal Name.
• Also take the time to ensure every bill you get
(power bill, phone bill, landlord, etc.) has the
business name listed correctly and comes to
the business address.

47. Step 2- Obtain Business Credit
Reports
• Business Credit reports are offered by
Experian, Dun & Bradstreet, and Equifax
• You will first want to get a copy
of your business credit reports
to see what is being reported

48. Experian
• Visit http://www.smartbusinessreports.com/
for a copy of your Smart Business report
• $49-99 for Smart Business Report
• Find out how many trade lines are reporting,
see if you have a business credit score
assigned, see if you have an active Experian
Business Profile, and check on recent inquries

49. Equifax
• You can purchase a copy of your Equifax Small
Business Credit Report here
http://www.equifax.com/small-business/credit-report/en_sb
• It typically takes more time to create a file with
Equifax Small Business than D&B and Experian
• This is why it's important to apply with the credit
providers who report to Equifax
• $99.95 for a full report

50. Dun & Bradstreet DUNS Number
• Obtaining a Dun and Bradstreet number
(D-U-N-S #) begins the process of building
your business credit profile with them
• Your D-U-N-S # will also play an important
role in enabling your business to borrow
without a personal guarantor.
• http://www.dnb.com/
• $299- 699 per DUNS Number

51. Dun & Bradstreet
• You can also enroll for the
DNBi SelfMonitor to monitor
your credit during the building
process
• A subscription for D&B Self
Monitoring is $39-99 per
month
• Activate your DUNS # and get
your file a D&B Rating
•

52. Step 3- Obtain Vendor Accounts
• A business credit report can be started much
the same as a consumer report commonly is,
with small credit cards
• The business can be approved for small
credit cards to help them build an initial
credit profile
• These types of initial cards in the
business world are commonly
referred to as “vendor credit”

53. Vendor Accounts
• A vendor line of credit is when a company
(vendor) extends a line of credit to your business
on "Net 15, 30, 60 or 90" day terms.
• This means that you can purchase their products
or services up to a maximum dollar amount and
you have 15, 30, 60 or 90 days to pay the bill in
full.
• So if you're set-up on Net 30 terms and were to
purchase $300 worth of goods today, then that
$300 is due within the next 30 days.

54. Vendor Accounts
• You can get products and
services for your business needs
and defer the payment on those
for 30 days, thereby easing cash
flow
• And some vendors will approve
your company for Net 30
payment terms upon verification
of as little as an EIN number
and 411 listing

55. Vendor Accounts
• Always apply first without using
your SSN.
• Some vendors will request it and
some will even tell you on the phone they
need to have it, but submit first without it.
• When your first Net 30 account reports your
"tradeline" to Dun & Bradstreet, the DUNS
system will automatically activate your file if it
isn't already. This is also true for Experian and
Equifax.

56. Vendor Accounts
• You need to have a total of at least five (5) Net
30 day pay accounts reporting.
• Some vendors require an initial prepaid order
before they can approve your business for
terms.
• Your vendors do not necessarily have to serve
100% of your business needs.

57. Vendor Accounts
• Pay your Net 30 vendor accounts
in-full and on-time
• You must be patient and allow time
for the vendors' reporting cycles to
get into the reporting systems
• It typically takes 3 cycles of "Net"
accounts reporting to build credit
scores

58. Vendor Accounts
• Most Merchants and major retailers do offer
business credit, they just don’t advertise it
• There is no benefit to the merchant to
promote credit with no personal liability if the
business owner is willing to take on that
liability
• So they don’t promote their business credit
cards and regularly ask for a SSN

59. Step 4- Obtain Revolving Accounts
• After 5 trade lines are established using
vendor accounts, obtaining revolving accounts
is the next step
• Revolving accounts are cards a business
owner can use and not be required to pay the
full balance owed each month

60. Obtain Revolving Accounts
• Revolving account approvals will begin coming
from stores
• Store revolving credit must be obtained
before the business owner starts getting Visa,
MC, Amex, type cards

61. Obtain Revolving Accounts
• Most stores will NOT approve a business owner for
business credit unless the owner has an
established credit profile and score, just like in the
consumer world
• Vendor accounts must be used first to establish a
profile and score, then store credit can be
obtained
• It usually takes only 90 days or less to establish a

62. Obtain Revolving Accounts
• Once 10 total accounts are on the credit, an
owner can then start applying for Visa, MC,
Amex type credit
• Approval amounts will be equivalent to the
highest credit limit account on the business
report
• Try to have 10 accounts with at
least one of them having a 10k
high limit

63. Obtain Revolving Accounts
• It is essential to keep using the credit, keep
applying for more, and talk with credit
providers to raise credit limits
• If you do this, business credit will keep
growing until higher limit credit lines are
obtained, within 6-12 months

64. The Ultimate Business Credit
Solution
• You’re at this seminar because you want the
easiest streamline solution to build business credit
• If you’re like me, you want business credit so you
can get the credit and funding you need to have
the business you have always dreamed of having

65. The Ultimate Business Credit
Solution
• With business credit you can start a credit
profile quickly and obtain credit that’s not linked
to your SSN- so even if you have bad credit you
can still get approved
• IMMEDIATELY you can start obtaining net 30
accounts giving you terms on things you might
need and have to pay for
on the spot now using
your personal funds or
profits

66. The Ultimate Business Credit
Solution
• Get approved for real store credit at stores
you are buying supplies from now to run your
business… and do it without using your
personal credit or guarantee
• Get approved for Visa, MasterCard, Amex, and
Discover credit cards with MUCH higher limits
and more spending power than with
consumer credit cards

67. Who the Business Finance Suite is
Right for
• Business owners who want to build business
credit but don’t know how, or who have failed
before
• Visionaries who want to build and grow
their own business but don’t have
the needed capital or credit to do it
• Business owners who have applied for
financing at their bank and who have
been turned down

68. Who the Business Finance Suite is
Right for
• Business owners who want to
see their business succeed and
who know that it will take $$$ to
make that happen
• Business owners who are
dedicated to the idea of building
their corporate credit to get
funding, and who aren’t looking
for a “get rich quick” scheme

69. The Business Finance Suite
• You receive access to your own Business
Finance Suite for your business
• Access to the full 20 point lender credibility
checklist
• Access to the largest supply of business credit
building and vendor and revolving sources
anywhere on the planet
• Access to the largest supply of
Visa, MasterCard, Discover, and
Amex credit

70. The Business Finance Suite
• Underwriting guidelines for all
business credit sources
• Access to the Automated Funding
Approval Engine and the largest
supply of business funding and
sources and products anywhere
• Access to your own certified
finance officer when you qualify
for business finance programs
• Once-click application auto
population for fast approval

71. The Business Finance Suite
• Entrepreneur and business credit weekly webinar
access (help when you need it)
• Entrepreneur and business credit emails each
week with invaluable tips and tools (that will get
stuff done)
• Business credit knowledge builder video series
• Full customer support to help with any questions
about getting and improving your business credit
whenever you have them

72. Getting Started
• The Business Finance Suite regularly retails for
$3,699
• We have found that our best customers and
the ones who have the most success are the
ones who take action
• So, today as part of this seminar if you get this
right now you can…

73. Getting Started
• Save over $1,000 with our one-payment
option of $2,500.
• Contact us for financing options.

74. Getting Started
• Complete the order form we’re supplying to
you to get started QUICKLY
• Once you complete your order form you will
receive your login credentials in 60 minutes or
less
• Wait there’s more…

75. Seminar Bonuses
• FREE access to Experian Smart Business Data
($600 value)
• FREE DUNS number AND credit file activation
with Dun & Bradstreet ($799 value)

76. Guarantee
We guarantee that you will get at least $50,000
in real usable credit for your company in 12
months or less… or our team of business
advisors will work with you until you do

77. Even More Seminar Bonuses
• FREE 411 Listing for your business
• One-on-one initial 30-60 minute coaching call
with an expert business credit advisor

78. To Recap, You Receive…
• You receive your own finance suite for your
business
• You get access to all vendor, revolving, and cash
credit sources with underwriting guidelines so you
can successfully get credit
• You get access to the lenders’ secret 20 point
credibility check and one-click auto population to
complete application- which saves you time, effort,
and money and helps you to succeed
• Entrepreneur and business credit weekly webinar
access and emails each week with invaluable tips
and tools

79. To Recap, You Also Receive…
• Access to thousands of funding sources, over 30
core funding programs ( and the information you
need to get credit)
• Access to our automated underwriting approval
engine, and your own finance officer to walk you
through funding approvals
• Business credit knowledge builder video series
(for more knowledge and answers to your
questions when you need them)
• Full customer support to help with any questions
WHEN you have them

80. If You Get Started Today You Also
Receive…
• FREE access to Experian Smart Business Data
($600 value)
• FREE DUNS number AND credit file activation
with Dun & Bradstreet ($799 value)
• FREE 411 Listing for your business
• One-on-one initial 30-60 minute coaching call
with an expert business credit advisor

81. Guarantee
We guarantee that you will get at least $50,000
in real usable credit for your company in 12
months or less… or we will work with you until
you do ( by the way, this is VERY rare, when you
follow our system and work with us you get your
credit)

82. Very IMPORTANT Notice!
This offer is ONLY available today, and ONLY
available here at this event!
This might be the one, and only, chance you get
to get your hands on life-changing business
credit and financing for your business

83. Order My Business Credit Mastery
Book Today!
Business Creit Mastery: Learn The Secrets Of Business Credit