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A Proven Path

The 7-Phase Business Credit System

Each phase has a clear goal. Complete the tasks, hit the milestones, and move on. By Phase 7, you'll have the credit profile needed to access real business funding.

Below you'll find what each phase covers, what you'll accomplish, and why it matters.

1

Business Foundation

"Set up your business to be fundable from day one."

Creditors need to verify your business is real and legitimate. This phase ensures your entity structure, contact info, and banking are set up correctly — so you don't get denied for preventable reasons.

Outcomes:

  • LLC or Corporation properly registered
  • EIN (Employer Identification Number) obtained
  • Dedicated business address established
  • Business phone number active
  • Professional business email configured
  • Business bank account open and funded
Setting up your business foundation for credit building
2

SEO & Online Presence

"Pass creditor verification checks."

Before approving credit, vendors and lenders search for your business online. If they can't find you — or your info doesn't match — you get denied. This phase builds a consistent digital footprint.

Outcomes:

  • Professional business website live
  • Google Business Profile claimed
  • Listed in key business directories
  • DUNS Number assigned
  • NAP consistency verified (Name, Address, Phone)
  • Social media profiles active
Building your online presence and digital footprint
3

Tier One Creditors

"Open your first reporting accounts."

Tier One vendors approve new businesses without existing credit history. These Net-30 accounts report to business bureaus, establishing your first trade lines and payment history.

Outcomes:

  • 5+ Net-30 vendor accounts opened
  • First trade lines established
  • Payment history building
  • Bureau reporting confirmed (D&B, Experian, Equifax)
  • Optimal usage strategies implemented
Opening your first business credit accounts
4

Tier Two Creditors

"Level up to store credit and higher limits."

With trade lines established, you qualify for Tier Two creditors — store cards and vendor accounts with higher limits. This diversifies your credit mix and increases total credit access.

Outcomes:

  • Store credit cards approved (Staples, Office Depot, etc.)
  • Additional vendor credit lines opened
  • Credit limits increased
  • Credit mix diversified
  • Bureau scores strengthening
Expanding business credit with tier two creditors
5

Credit Maintenance

"Monitor, protect, and optimize."

Your credit profile is an asset. This phase teaches you to monitor all three bureaus, dispute errors, optimize utilization, and protect against fraud.

Outcomes:

  • D&B, Experian, Equifax monitoring active
  • Paydex, Intelliscore, SBFE scores understood
  • Dispute processes mastered
  • Credit utilization optimized
  • Fraud protection in place
Monitoring and maintaining your business credit
6

Cash Flow & Debt Management

"Unlock unsecured business credit."

With a strong profile, you qualify for unsecured business credit cards with real purchasing power. This phase covers cash flow strategy, 0% APR stacking, and responsible credit use.

Outcomes:

  • Unsecured business credit cards approved
  • 0% APR introductory offers utilized
  • Cash flow management strategies in place
  • Healthy debt-to-income ratios maintained
  • Rewards and benefits maximized
Accessing unsecured business credit cards
7

Growth & Loans

"Qualify for real business funding."

This is what you've built toward. Your business now has the credit profile to pursue term loans, lines of credit, SBA financing, and equipment funding.

Outcomes:

  • Business term loan eligibility
  • Business lines of credit access
  • SBA loan program qualification
  • Equipment financing options available
  • Fundable credit profile established
Qualifying for business loans and funding

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