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FAST BUILDING BUSINESS CREDIT PROGRAM:

Fund • a • bil • i • ty [ adj. Fuhnd-uh-bil-i-tee ] You won't find "Fundability" on Dictionary.com, so don't bother looking.

Fundability is a phrase we've coined to describe how a business measures up in relation to the entire lending and investing community. How fundable is your business? Simply put, Fundability is a measure of how lenders, investors, vendors, insurers, and suppliers view the risk of extending credit and/or services to your business.

Let’s Break Fundability Down Into Its Parts:

Part 1 – Compliance
Setting up properly and completing the 20 compliance items that most lenders require prior to a loan being approved. In terms of Fundability, this is simply saying that your business has paid attention to the details and addressed all of the items that every real business should.

Part 2 – Strong Business Credit Scores
Building strong credit scores with all three national business credit reporting agencies: Experian Smart Business, Dun & Bradstreet, and Equifax Small Business Financial Exchange.

Part 3 – Optimal Credit Usage
Establishing a 1-3-5, that is one bank loan, three business credit cards, and five vendor lines of credit that are not associated with you personally and do not show up on your personal credit reports.

Part 4 – Comparable Credit
Getting vendors or non-traditional lenders to grant your business a credit line that is comparable in size to the loan you are seeking from a bank or traditional business lender. This can be accomplished in many ways. For instance, through a vendor willing extend a $25,000 credit line to your business or through a $50,000 lease line of credit to be used for specific equipment. The bottom line is that most traditional lenders do not want to be the first to take a chance on you.

Part 5 – Business Viability
Being able to show that your business is not only credit worthy but also "viable" for its industry and market segment. This means the business model and plan you present to the traditional lender needs to make sense and show the ability to service the loan. Simply put, lenders want to know that they can get paid back.

Our Business Credit Building System guides you step-by-step through the first four parts of Fundability. Parts 1 – 4 are all about making sure your business is set up right, shows optimal credit usage, has strong business credit scores, and is given access to comparable credit. For Part 5 we provide you with our time tested workbook, “How to Prepare and Present a Successful Funding Request”. It provides all the tools necessary to test your own Business Viability and then shows you how to project that viability for lenders.

By improving the Fundability of your business, The Business Credit Building System is doing more than just helping you build strong business credit. We are improving the overall "health" of your business while greatly increasing your ability to succeed now and in the future.

The day your business obtains its first bank loan is very much like the day you personally get approved for a home loan. It is the day, and the event, that makes all other lenders take notice and puts you on their credit map.

Non-bank business lenders and credit providers know how difficult it is to get approved for a business bank loan. When they see a reporting bank loan on your business credit reports, it signals to the non-bank business lenders and credit providers that your business is for real.

Too many business owners think that obtaining a business loan from a bank is an impossible dream. Well, it isn't. Our Business Credit Building System has a proven method for obtaining your first business bank loan and a list of the banks that have worked with thousands of our members in both extending and reporting those loans.

Just having a bank loan is only one way your business banking relationship affects your business credit, including your ability to get approved for vendor credit lines and business credit cards. The single most important factor is the date you opened your business checking account.

Most business owners assume that the day they incorporated or filed for their business license is the day their business began. This is simply not the case. Business lenders consider the date you opened you business bank account as the actual start date for your business. So, if you incorporated in 2002, but opened your business checking account in 2007 then, as far as lenders are concerned, your business started in 2007.

Another way that your business banking relationship is vital to getting approved for loans can be found in your Bank Rating. The business credit reporting agencies will grade your business's creditworthiness based on its credit scores. In a similar fashion, banks and other traditional lenders will grade your business’s ability to repay based on its Bank Rating. Your business bank rating is determined by the average daily cash balance you maintain in your business checking account over a period of a few months.

If you are serious about the success of your business then you will need to know: How to properly address the compliance items required by most lenders and credit providers; How to properly go about building strong business credit scores with the national business credit reporting agencies; And how to properly manage your business banking relationships.

Now you have a choice to make. You can spend hundreds of hours searching the internet trying to find all the vital information you need, or you can simply enroll to access our Business Credit Building System which has consolidated everything into one convenient place. Our system is an extremely comprehensive guide that instructs you step-by-step to get it all done the right way and in the shortest possible amount of time.

For your business to build strong business credit scores it needs to have 3 business credit cards that report to the national business credit agencies and do not show up on your personal credit files.

Getting approved for business credit cards is a process whereby you must have first completed all 20 of the bank lending compliance items and have vendors credit lines in place that you have verified are reporting. Almost all business credit cards require that your business credit files are already opened and showing a certain amount of reporting history.

A key feature of business credit cards is that they typically carry more weight than vendor lines in the business credit scoring process. Our Business Credit Building System contains extensive research on business credit cards and includes what they require for approval.

Throughout the business credit building process it is important that you minimize lender inquiries. To do that you need to keep declines to a minimum. How? By knowing what the business credit card issuers require for approval. You need to be prepared before you apply. This is just one of the many benefits of our Business Credit Building System.

Another benefit of our system is all of the invaluable tips and industry secrets. A credit building tip for business credit cards is that it is important to carry balances that are no more than forty percent of your available credit limits. The secret is that credit card providers do not report your “available” credit limit, so most lenders assume your "available limit" is your "highest reported balance". That means when you first receive a business credit card you need to run it up to its limit (not over) and after you receive your first bill, then pay it down to the forty percent level. Going forward you need to maintain a balance of around 30 to 40 percent to optimize your business credit scores.

There are over 500 business credit cards in the United States, but your business needs only three that report. The key is in the reporting. Do you know which business credit cards will report your payment history? If so, do you know what they require for approval? If you apply for business cards on your own, you only increase the likelihood of getting declined. Making sure you know what the lender requires before you apply greatly increases your chances of approval.

Since 1995 more than 50,000 businesses have successfully completed our Business Credit Building System. Our system is very comprehensive, straight forward, and easy to use. If you follow and complete the steps it will result in strong business credit scores each and every time.

You could spend hundreds of hours researching and still not find the wealth of information and instruction inside our Business Credit Building System. Lenders want to approve your business. Now it is up to you to make that possible.

There is a right way and wrong way to do almost everything. The same is very true for building strong business credit scores with the three national business credit reporting agencies: Experian Smart Business Reports, Equifax Small Business Financial Exchange and Dun & Bradstreet.

For example, many businesses set up as sole proprietors and operate for years under the mistaken assumption that they can, and have, built business credit scores. This mistaken assumption is actually fostered, in part, by the business credit reporting agencies themselves because they will give a sole proprietorship a credit file and even assign business credit scores.

So if that is true, then what makes it a mistaken assumption? Well, in the case of sole proprietorships and partnerships, all loans and credit lines extended by lenders, banks, business credit cards, vendors, etc. are tied directly to the owners personally. As an owner or partner you are 100% personally responsible for the repayment regardless of what happens to your business. You are “doing business”, but are not truly ”a separate business".

In order for your business to build business credit scores that are completely separate from you personally, your business must either be an incorporation (INC or S-Corp) or a limited liability company (LLC). These business formations create a stand-alone "entity" which lenders and credit providers then treat as a entity that is separate from you personally. Now, when you build business credit scores, the loans and lines you receive are not tied to your social security number and will not show up or report on your personal credit reports.

The following is another common misconception about business credit, “I already have a PayDex score with Dun & Bradstreet, so I have built business credit”. It is true that Dun & Bradstreet is a valuable part of the equation to building business credit scores, but they only represent one-third of the overall task. Experian Smart Business and Equifax Small Business Financial Exchange are of equal value and they serve different markets.

If your goal is to obtain loans or lines from a bank then Equifax may be the most important component of your credit building process. Equifax operates the Small Business Financial Exchange. The Exchange is primarily where banks share business data between themselves. So, if you do not build strong business credit scores with Equifax, you may be eliminating your chances for true bank financing.

Many business credit card providers, leasing companies, vendors, and even commercial landlords rely heavily upon Experian BIS (Smart Business Reports) data when it comes to making approval decisions. Building business credit is not complete without having a strong Experian Smart Business profile and score.

Our Business Credit Building System walks you through getting your business credit files opened with all three national business credit reporting agencies. It gives you step-by-step instructions for setting your business foundation "the right way", the first time. The instructions are comprehensive, very clearly spelled out, and the methods have been proven by over 50,000 business owners before you.

Most banks and commercial lenders have a checklist of 20 items that your business must have completed to be considered “in Compliance”. The problem is that business owners simply aren't aware of these items and, even if they were, don't know how to go about properly addressing them.

On the surface, most of these 20 Compliance Items would appear to be simple tasks but, unfortunately, that isn't always the case. As an example, one of the verifications that most lenders and credit providers perform is to call directory assistance and ask for the listing under your legal business name. If there is no listing then you'll more than likely be declined. But having your business properly listed with 411 directory assistance under its exact legal name is a simple task. Isn't it? It can be much harder than you think.

Is your business phone a VOIP, or a virtual system, or a cell phone? Call your local 411 now and ask for your business under its legal name (your business name as listed on your State filing). 411 calls route from your local service provider to the carrier for the phone you are calling from, such as AT&T routes to AT&T, Verizon to Verizon, etc. Let’s say you have AT&T and you call 411 to find that your business is listed. Now use a friend’s phone that has Verizon, Cox, or any other local provider. Is your business still listed? What about a lender who calls to verify from an outside area code? They would more than likely dial 1-XXX-555-1212. Be sure to test for that too because, in many cases, those calls route to the national directory assistance database and not to the local service provider.

Included with our service is a free submission to the national directory assistance database along with detailed methods on how to ensure that all your local area carriers have a listing for your business.

Ok, we've covered one very "seemingly simple" business compliance item. There are 19 more that seem just as easy when, in reality, it can make all the difference to have someone walk you through each and provide specific instructions on how to properly complete them. And just as important, how to complete them for all lenders no matter what state they are in. Missing just one of these items can result in your loan request being declined and, unfortunately, most credit providers will just send you a declined letter rather than take the time to go over which items you failed to complete and how to correct them.

The Business Credit Building System shows what these items are, how to complete them, and how to verify that the lender will see them as completed. We call this the foundation and it is critical to get all the items completed before we begin building strong business credit scores.

The SBA reported that vendor credit was the single largest source of small business lending in the United States. There are over 500,000 vendors (companies) who extend lines of credit to their business customers.

So what exactly is vendor credit? Vendor credit is when a company, like an office supplies provider, allows your business to get the products it needs now but pay for them later. Vendor credit terms are typically Net 30. This simply means you must pay the bill in full within 30 days of the initial order or receipt of goods. Of course there are also Net 15, Net 60, Net 90, and even Net 120 payment terms. It just depends on the situation.

Why does your business need vendor credit? There are two key reasons. The first one is cash flow. Vendor credit gives your business access to the products and services it needs "now" while allowing you to defer the payments for later. This conserves cash flow for your more critical short-term expenses and gives you time to generate the revenue necessary to cover the original bill. Secondly, if the vendor reports your good payment history it will help you to build strong business credit scores. So, the key is in the reporting.

An upside to vendor credit is that it is normally tied only to your business and not to you personally. However, a downside is that there are over 500,000 vendors that extend business credit, but only about 6,000 that report to the national business credit reporting agencies. You will want to select vendors that report.

The good news for you is that after researching hundreds of vendors, we have compiled a list of the ones who both extend business credit lines and report. You can access these vendors inside our Business Credit Building System. Even better, these vendors have informed us of what it takes for your business to get approved and we provide you with direct access to that information.

For your business to optimize your business credit scores it is going to need 5 vendor lines of credit that report. Throughout the process of applying for business credit it is important that you avoid getting too many "declines", as those inquiries will show on your business credit reports. That means you need to be prepared before you apply, and a big part of this is knowing ahead of time what a vendor requires for approval. That is exactly what our Business Credit Building System does for you.

Regardless of where your business is at, or the status of your personal credit, if you follow the steps in our system your business can obtain the 5 vendor credit lines it must have to build strong business credit scores. Vendor credit is the engine that drives your initial business credit building success and a major foundational component of the process thereafter.

Once your vendor credit lines are established and reporting, then business credit cards and other types of business loans will begin to open for you. Finding and applying with the right reporting vendors is critical to your success and not a task you should take on alone. We're here to help.

Become lender compliant so your business can get approved.  Access thousands in vendor and business credit card financing. Pre-qualify and apply for business funding programs.

Build strong business credit scores with all 3 credit agencies...fast!

Our economy needs businesses to succeed. Now more than ever, your business needs to have a strong business credit profile that is separate from your personal credit.

Protect, Grow, Succeed!

You will have unlimited access to our proprietary database of reporting vendor lines of credit and business credit card providers. You will know exactly what they require to approve your business before you apply.

Your business needs its own good credit scores to obtain loan funding; we can help!

So What Does Our Business Credit Building System Guarantee?

We guarantee that if your business follows and completes all 6 Steps of our Business Credit Building System that your business will build strong business credit scores with Equifax small business financial exchange, Experian Smart Business and Dun & Bradstreet.

Since 2005 we have helped thousand of businesses and not once has any business who has followed our instructions and completed our six steps ever failed to build strong business credit scores with EquiFax, Experian and Dun & Bradstreet. That means that if your business follows our steps you too will have the same results.  So if you follow our business credit building steps your company will build strong business credit scores, that are separate from you personally. That is what we guarantee.

TODAY ONLY; You will receive both; "How To Purchase a Shelf Corp Under $100.00, AND Business Credit Builder Program!  You have an opportunity to receive the best business credit ebooks available!  We have seen countless amount of individuals use our ebooks to find and secure Aged Shelf Corps as many as several per week; and use our information to either start their own Aged Shelf Corp resell business or use their Shelf Corp to move forward and get financing not using their SSN but using the merit of the company.  But more times than not we have seen person find and secure Aged Shelf Corps, but they have several follow up question about How To Build Business Credit!

IN SHORT: They were able to find a overwhelming amount of Aged Shelf Corps, but had questions on How To Build Business Credit Fast, Effective, And Get Real Results.  In a continuing effort to help persons set up businesses and allow them access to new accounts, without using their SSN, We are offering TODAY ONLY, Both; "How To Purchase a Shelf Corp Under $100.00, AND Business Credit Builder Program, FREE.       

There's no business credit deal better than this!

Do You Need To Establish $50K-$250K In Cash or Credit; Without Using Personal Credit?
 

Do you want $16,000 in Business Credit Within Weeks; Without Any Use of Your Personal Credit?

The Business Credit Guru Lender Edition is: 176 Pages of Lenders, Banks, Tips, Recommendations, Instructions and  Website Addresses; of all the Vendors and Banks I've ever used in  creating business credit.
 

 I Developed This Business Credit Guild in Response to Many of My Clients and Readers: Looking for a cheaper alternative to getting real business credit and  loans.  As mandated by FCC, SEC, consumer protection, and serveral other  regulatory protections, "If you are not licensed to give; tax, legal,  financial or loan advice;" You Can Not Give Such Advice!  So therefore  due to these regulations; when so many of our readers, clients,  affiliates contact us and ask for such advice; we are restricted not to  give such advice.
 

Our Response to Our Clients and Readers Was to Release a Complete Tell All Business Credit Ebook:  176  Pages, Broken down by state and category covering, loans, lenders,  business credit card lenders, shelf corp, business structures, and  financing from A-Z.
 

If Your Looking to Get Loan Approvals and Financing: "I Fully Endorse This Ebook!"    This Ebook is not a ebook which give a bunch of generic business credit  terms and definitions; THIS EBOOK IS; written to provide and help  readers develope Financing, Loans, and Business Lines of Credit!
 

Building Business Credit Is Not Rocket Science:   As many of the “Gurus” will like you to believe. It is simply a process  and you need to know the process and a couple of small tricks; that  only come from experience.
 

Business Credit Lender & Loan Officer Program: starts off with the basics and covers everything from setting up your  company correctly, to acquiring Multiple $50,000 lines of credit.

The Business Credit Program (Loan Officer Edition) Will Show You: how to lease or buy a car under your business name within as little as 5  months with little to no money down and how this is all done without  the use of your personal credit.  

You Will Also Learn:

1)  The basics on Business Credit 
 

2)  How To Get Corporate Credit Cards Without Your Personal Name Attached To It. 
 

3)  Buy or lease Cars and Trucks with a 5 month old corporation and no personal credit. 
 

4)  Establish $50,000-$250,000 of Cash or Credit with No Use of your Personal Credit 
 

5)  Step-by-step instructions for setting up your corporation or LLC. 
 

6)  A step-by-step guide to build business credit from scratch 
 

7)  How to get a good PAYDEX score with a brand new corporation. 
 

8)  How to get Shelf corporations that are 3+ years old for as little as $300. 
 

9)  List of vendors offering business credit without using your personal credit. 
 

10)  Learn to build business credit reports so you can obtain cash lines of credit 
 

11)  Build Business Credit To Start a Corporation 
 

12)  176 Pages of Everything You  Need When Building Business Credit, Getting Buisness Credit Loans, and  Estabishing New Business Lines of Credit!