Course Overview
Welcome to the Elite Business Mastery Program! This comprehensive training transforms your business from startup to fully-funded enterprise. Learn the exact 7-Magic Questions that convert prospects instantly, build a $300+/day affiliate income stream, and discover how to secure $25,000 to $50,000 in business credit without a personal guarantor—100% possible within your first quarter.
Tiara Is Here for You Every Step of the Way
From mastering client conversations to building automated income systems and securing business funding—Tiara Corprew personally guides you through each module with proven strategies, actionable templates, and real-world success blueprints.
What You'll Master
- • The 7-Magic Questions for instant client conversion
- • Build a $300+/day affiliate marketing funnel (FREE module!)
- • Automated lead generation systems that run 24/7
- • Secure $25K-$50K in business credit (no personal guarantee)
- • Business structure optimization for maximum funding
- • White label training systems to sell as your own
Program Details
- • 8 Comprehensive Training Modules
- • Premium Audio Commentary Throughout
- • Actionable Templates & Checklists
- • Live Vendor & Lender Resource Lists
- • Complete Progress Tracking System
- • Tiara's Personal Guidance & Strategies
The Solution That Changes Everything
This isn't just another training program—it's your complete business transformation system. From day one, you'll learn how to attract qualified prospects with the 7-Magic Questions, generate passive income through proven affiliate funnels, and build a fully-funded business structure ready to scale.
Yes, $25K-$50K in business credit within 90 days is 100% achievable—and Tiara shows you exactly how in Modules 3-7.
Module 1: The 7-Magic Questions
Master the proven script for recruiting qualified prospects
Module 1 Foundational Overview
Tips To Ensure Your Success
Be Respectful & Thoughtful
When in recruiting mode and engaging with prospects to determine their openness to an opportunity, it's important to approach the conversation in a respectful and thoughtful manner.
Listen To Understand
Too often, recruiters are so busy trying to recruit, that they aren't listening for the signals to either end the conversation or to continue pressing forward. Your prospect will reveal whether they are an ideal candidate.
Remain Flexible
Although the 7-magic questions work beautifully in chronological order, be flexible and go with the natural flow. Ask the next most natural and appropriate question when it makes sense.
BEFORE YOU START (URGENT)
DO NOT SKIP OR YOU WILL FAIL AT THIS
The P.I.E. Principle
Communicating with prospects in the DM is the LAST of 3 principles:
Pinpoint your ideal target market
Who are you helping?
Identify where they hangout
Facebook, LinkedIn, etc.
Engage in direct and professional outreach
Connect with them in the DM
Action Required: Complete the P and I steps FIRST and document your selections before proceeding to engagement.
The Initial Greeting
Before beginning with the 7-questions, make sure you request the person to be your friend. After they have accepted, greet your prospect in the DM first.
Example Greeting Message:
Hey [first name], and thx for accepting my friend request!
FB has suggested several times that because of some mutual interests and similarities somewhere in our profiles, we should connect.
After a quick scan of your profile, and seeing what you're up to, I would definitely have to agree.
I appreciate the connection.
Warmest regards,
~[Your Name]
P.S. Are you actively building in the [target market industry] too?
The 7-Magic Questions
Use these questions naturally and organically to create authentic conversations
Which company are you currently partnered with?
Allows your prospect to begin sharing what they do. You may sense some apprehension with short answers - that's fine. Stay authentic and curious about THEM.
How long have you been working with "[company name]"?
Continue building rapport. You're not looking to PITCH - you're looking to see if they are a FIT first!
Would you say you're satisfied with how it's been going, or that things could be better?
Purpose: Understand their current level of satisfaction and engagement. This helps gauge their mindset and provides a starting point for further exploration.
💡 Pro Tip: Make it natural! Use phrases like "oh ok, great" or "that's awesome" before moving to the next question.
What are the specific aspects of "[company name]" that you appreciate the most?
Encourage them to reflect on positive aspects. Understanding what they value provides insight into their motivations and priorities.
Have you ever considered exploring alternative opportunities?
Establish whether they have thought about exploring other options. Invites reflection on the possibility of change and indicates willingness to consider alternatives.
What factors, if any, would make you consider a different opportunity?
Delve deeper into their mindset and motivations. Allows them to articulate specific criteria that would prompt consideration. Helps identify pain points or areas of dissatisfaction.
How open are you to exploring a different opportunity if it aligns with your goals and values?
This question brings the conversation to a conclusion, focusing on their openness to change. Highlights the importance of alignment with their goals and values.
Post-Questions Invite
"If I sent you a link to a 6-min video that shared all the details on the program and how it works, would you watch it?"
Why ask this BEFORE sending?
It gets a commitment from your prospect that they will take the next step. A person serious about solving their problem usually won't go back on their word.
✓ Once they say yes, send your link.
Adapt For Your Target Market
The questions work for ANY industry. Here's an example for nurses:
Nurse Example Questions:
- Q1: How long have you been a nurse?
- Q2: Are you with a hospital or more in the private sector?
- Q3: Would you say you're satisfied with how work's been going, or that things could be better?
- Q4: What are the specific aspects of "nursing" that you appreciate the most?
- Q5: Have you ever considered exploring online income opportunities?
- Q6: What factors would make you consider an online opportunity?
- Q7: How open are you to exploring an online income opportunity if it aligns with your goals?
Ready to Transform Your Business?
Don't give up and don't be discouraged. Create a conversation flow you feel good about that will connect with your prospect.
Visit simplegrowthcode.comYour business has the power to radically change using this script!
Module 2: The $300+/Day Affiliate Toolkit
Copy-Paste Funnel System Without A Website
Your Complete Affiliate Marketing System
Everything you need to start earning $300+ per day with affiliate marketing - including the exact funnel system, tools, and traffic strategies.
✨ 100% FREE - No Website Needed ✨
📊 Your $300+/Day Funnel Map
This is the exact funnel system that generates consistent affiliate commissions
STEP 1
Promote Links
Social media, Quora, TikTok
STEP 2
Capture Page
Collect email leads
STEP 3
Bridge Page
Build trust & pre-sell
STEP 4
Sales Page
Affiliate product converts
STEP 5
Earn Commissions
$100-$300+ per sale
💡 Why This Funnel Works
No website needed - All pages provided by the system
Builds your email list - Create long-term income
Pre-sells prospects - Higher conversion rates
🛠️ Your Essential Toolkit (3 Core Tools)
Everything you need to build and track your affiliate funnel
Systeme.io
Your all-in-one funnel builder. Create capture pages, bridge pages, and email sequences without any coding.
- Pre-built funnel templates
- Email marketing automation
- Unlimited emails on free plan
ROIPanel
Track every click, conversion, and commission. Know exactly which traffic sources are making you money.
- Real-time click tracking
- Conversion analytics
- ROI calculation
Traffic Authority
Scale faster with done-for-you paid traffic campaigns. Skip the learning curve and get instant visitors.
- Pre-built ad campaigns
- Traffic to your funnel
- Optional upgrade
🚀 2 Faceless-Friendly Free Traffic Strategies
No camera, no voice, no problem - both methods work 100% anonymously
Strategy #1: Quora Traffic
Answer questions, build authority, drive targeted traffic
📋 Simple 4-Step Mini Strategy:
Find High-Traffic Questions
Search keywords like "how to make money online", "best side hustles", "passive income ideas"
Write Valuable Answers
Give genuine advice (300-500 words). Share your story or insights about affiliate marketing.
Add Your Link Naturally
At the end: "If you want a proven system, check out [Your Link]" - Keep it casual and helpful.
Repeat Daily
Answer 3-5 questions per day. More answers = more traffic = more commissions.
💰 Expected Results: 10-50 targeted clicks per answer. Just a few sales per week = $300+/day goal achieved!
Strategy #2: Faceless TikTok
No camera, no voice - just results
🎬 Content Ideas That Convert:
💡 Type 1: Text-on-Screen Videos
Use trending sounds + motivational text overlays
Example: "3 ways I make $300/day from my phone" with simple animations
📊 Type 2: Lifestyle B-Roll
Show results (not your face) - coffee shop work, laptop, earnings screenshots
Example: Working remotely footage with caption "Day in the life of an affiliate marketer"
🎯 Type 3: Educational Carousels
Swipe-through image posts with tips and CTA
Example: "5 best free traffic sources for affiliates" → Link in bio
📝 Sample Faceless Script:
"POV: You discover a $300/day system that needs:"
- ❌ No website
- ❌ No product creation
- ❌ No customer service
- ✅ Just copy-paste funnels
"Link in bio to get started 🔗"
🎯 Pro Tip: Post 2-3 times daily. TikTok rewards consistency. One viral video = hundreds of clicks to your funnel!
🎁 BONUS: Copy-Paste Promo Swipe
Use this proven message on any social platform
Subject/Hook: "How I Built a $300/Day Income Stream (No Website Required)"
Hey [Name],
I used to think making money online required:
❌ Building a website
❌ Creating products
❌ Dealing with customers
Turns out, I was wrong.
I discovered a simple affiliate funnel system that lets me earn $300+ per day by promoting other people's products.
The best part?
✅ No website needed (funnel provided)
✅ No product creation
✅ No customer support
✅ 100% commission on some offers
I get traffic from free sources like Quora and TikTok (no ads required).
If you're interested in learning this exact system, check out my free training here: [YOUR LINK]
To your success,
[Your Name]
Facebook Groups
Instagram DMs
Email Lists
Ready to Build Your $300+/Day Funnel?
Get the complete strategy manual, templates, and step-by-step setup guide
🎯 What You Get:
- Complete funnel templates - Ready to copy and deploy
- Traffic generation guides - Quora & TikTok step-by-step
- Email swipe files - Proven messages that convert
- Tool setup tutorials - Watch over my shoulder setup
🔒 Secure checkout • ✅ Instant access • 💯 Money-back guarantee
👆 Click above to access the complete 300-page strategy manual
Automated Lead Generation
Your AI-Powered Lead Scraping Agent - Find Perfect Prospects Automatically
Your Lead Generation Agent is Ready!
Automatically find, qualify, and export perfect prospects for your business
Access Your AI Lead Scraper
Launch Lead Generation AgentClick to start finding qualified leads in seconds
How to Use Your Lead Generation Agent
Click the Link Above
Access your AI workflow through the secure portal
Fill in Your Parameters
- Target Location (defaults to Las Vegas, Nevada)
- Industry Focus (defaults to Real Estate/Realtors)
- Max Number of Leads (defaults to 25)
- Search Depth Preferences
Click "Run" to Start
Let the AI agent handle the rest - sit back and watch the magic happen!
What the Agent Will Do
Your AI assistant works tirelessly to find and qualify the perfect prospects
Multi-Platform Search
Searches Google, Yelp, and Google Maps for target businesses
Deep Analysis
Analyzes 8-10 results per search query for quality leads
Website Quality Check
Checks mobile optimization, loading speed, and design quality
Social Media Audit
Evaluates presence across all major platforms
Contact Collection
Gathers all public contact information automatically
Smart Scoring
Scores leads based on your criteria (2 out of 3 requirements)
CSV Export
Generates comprehensive CSV file with all findings
Priority Targeting
Finds businesses with good reputation but poor digital presence
Your CSV Will Include
Everything you need to reach out and close deals
-
Business Name & Contact Info
Complete contact details for direct outreach
-
Website Analysis & Technical Issues
Detailed breakdown of what's wrong with their website
-
Social Media Assessment
Gaps in their social media strategy you can fill
-
Google Review Count
Social proof and reputation indicators
-
Suggested Service Offerings
Tailored recommendations for your pitch
-
Complete Digital Footprint Profile
Full picture of their online presence
Unlimited Customization Power
Target any industry, location, or demographic you want
Change Any Parameter:
Location
Any city, state, or zip code
Industry
Realtors, dentists, lawyers, restaurants, any niche
Demographics
Target specific client profiles
Real-World Use Cases
Realtors in Las Vegas
Find real estate agents with outdated websites and poor social media presence
Dentists in Your Area
Target dental practices that need modern websites and online booking systems
Local Restaurants
Help restaurants improve their online presence and attract more customers
Law Firms
Find attorneys who need website modernization and SEO services
Fitness Studios
Target gyms and fitness centers that need online class booking and member portals
Pro Tips for Maximum Results
- Start with 25 leads to test the waters, then scale up to 50-100 for larger campaigns
- Focus on businesses with good reviews but poor websites - they have money but need help
- Use the 7-Magic Questions from Module 1 when reaching out to these leads
- Run the agent weekly to keep a fresh pipeline of prospects
- Target affluent zip codes where businesses have higher budgets for marketing services
Ready to Find Your Perfect Prospects?
Launch the lead generation agent now and watch qualified leads pour in
Start Generating Leads NowVisit simplegrowthcode.com
Never run out of prospects again!
Business Structure for Funding
The Secret to Wealth - Volumes 1 & 2
Hello!
We are thrilled to share with you the invaluable knowledge contained in our exclusive "The Secret to Wealth" series, Volumes 1 & 2.
These comprehensive guides are the cornerstone of the education we provide to our esteemed business services clients, designed to empower and elevate their financial journey.
The Secret to Wealth Volumes 1 & 2
In these volumes, you will find transformative information that has been meticulously curated to help you build and grow your business.
The insights and strategies within these pages are not just theoretical concepts, but actionable steps that have been proven to yield substantial results.
What You'll Discover
Volume 1: Establish Your PCN
Dive deep into the foundational principles on page 29 and uncover incredible legal posturing techniques. This section alone can revolutionize your understanding of wealth creation, but we highly recommend reading the entire volume to fully grasp the breadth of knowledge.
Volume 2: Business Credit Step-By-Step
This volume is a step-by-step guide to building robust business credit. It is a treasure trove of practical advice and strategies that will set you on a path to financial independence and business success.
These guides are just the beginning.
We have a wealth of additional resources and tools that we will be sharing with you in the near future.
Our goal is to ensure you have everything you need to achieve and exceed your financial aspirations.
How to Access Your Guides
Click the following links to download your files:
Module 4: Business Credit Step-By-Step
Your Complete Guide to Building $50,000+ in Business Credit
Learn how to establish credit under your business name, obtain high-limit credit cards, and access funding for vehicles, real estate, and corporate leases
Welcome to Your Business Credit Journey
This comprehensive guide will show you exactly how to build business credit from the ground up. Whether you're just starting or have an existing business, following these steps will help you establish strong business credit that can unlock thousands of dollars in funding.
📋 What You'll Learn
- Business Credit Basics - Understanding how business credit works
- Foundation Setup - Creating your business identity and structure
- Tier 1-4 Funding - Progressive steps to build credit limits up to $50K+
- Bonus Applications - Using business credit for vehicles, real estate, and leases
⏱️ Timeline
You can start getting cash funding within 3-6 months if you follow all steps consistently. The time it takes is up to you - consistency and persistence are key to success.
Business Credit Basics
Understanding the fundamentals
What is Business Credit?
Business credit is credit built under your business name that shows your business can manage debt properly. By building good business credit, you prove to lenders that your business is low-risk and can handle borrowing money responsibly.
💡 Key Concept
Think of business credit like a report card for your business. Just like personal credit shows how well you handle personal debt, business credit shows how well your business manages money it borrows.
Why Business Credit Matters
According to the Small Business Administration (SBA), about 20% of business startups fail in the first year, and about half fail within five years. One major reason is underfunding - not having enough money to keep the business going.
Building business credit gives you access to "other people's money" (OPM) to grow your business. This is vital for:
- Purchasing inventory without using personal funds
- Funding marketing campaigns
- Buying equipment or vehicles
- Covering payroll during slow periods
- Expanding into new locations
Personal Guarantee (PG) vs No Personal Guarantee
There are two main types of business credit:
🔒 With Personal Guarantee (PG)
What it means: You personally promise to pay back the debt if your business can't.
Pros: Easier to get approved, especially when starting out. Can access higher limits faster.
Cons: Your personal assets are at risk if the business fails.
🆓 Without Personal Guarantee (No PG)
What it means: Only the business is responsible for the debt.
Pros: Your personal assets are protected. True business credit.
Cons: Harder to get approved initially. Requires stronger business credit profile.
⚠️ Strategy Recommendation
It's okay to use PG when starting to build credit faster. As your business credit gets stronger, work toward removing yourself as the personal guarantor. This protects you from personal liability as your funding amounts grow larger.
Personal Credit Impact
If you have great personal credit (score of 700+), you can build business credit much faster by using PG initially. If your personal credit needs work, we recommend using credit repair services to improve your personal score first.
Business Activity & Risk
Some business types are considered "high risk" by lenders. If you're only raising capital (not actually running that type of business), choose a low-risk activity.
💡 Pro Tip
If you're not sure what industry to choose, "Digital Marketing" or "Consulting" are safe, low-risk options. Avoid industry names like "Real Estate Investing" which banks see as high-risk.
You can also use a generic business name like "True Blue LLC" instead of "Blue Investments LLC" to avoid signaling a high-risk industry.
NAICS/SIC Codes
Every business activity has a special code called a NAICS (North American Industry Classification System) or SIC (Standard Industrial Classification) code. You'll need this code when opening bank accounts and applying for credit.
Find your code: Visit NAICS.com and search for your business type. Choose the code that matches your business activity closest.
✅ Chapter 1 Action Items
- Research and find the right NAICS/SIC code for your business activity
- (Optional but recommended) Start improving personal credit using credit repair services
- Understand the difference between PG and No PG funding
- Identify if your business type is high-risk or low-risk
Business Identity
Setting up your business contact information
Why Business Identity Matters
Lenders and credit bureaus need to verify your business is real and legitimate. Missing any of these components can hurt your chances of getting business credit. You must look like a real, professional business on paper.
🚨 Critical Rule
Write your business information THE EXACT SAME WAY everywhere. If you use "True Blue, LLC" on one form and "True Blue LLC" on another, this can cause problems with reporting and approvals. Pick one format and stick with it 100% of the time.
Step 1: Choose Your Business Structure
First, decide what type of legal structure your business will be:
LLC (Limited Liability Company)
Most common choice for small businesses. Easy to maintain and provides liability protection.
Best for: Most new businesses and solo entrepreneurs
S-Corporation (S-Corp)
An LLC that chooses special tax treatment to avoid double taxation. Better for profitable businesses.
Best for: Businesses already making good profit
C-Corporation (C-Corp)
More complex structure that can issue stock shares and go public.
Best for: Larger businesses planning major growth
💡 Recommendation
If you're just starting and not sure if the business will be profitable, start with an LLC. You can always change to S-Corp later. If you already have a profitable side business, consider S-Corp from the start.
What About DBA (Doing Business As)?
A DBA is a nickname for your business. For example, your LLC might be "True Blue LLC" but you want customers to see "House of Lashes." That's a DBA. DBA is optional - you don't need one unless you want a different public-facing name.
Step 2: Check If Your Business Name Is Available
Before you register, make sure no one else is using your business name in your state.
- Visit ZenBusiness.com LLC Formation Page
- Select your state from the dropdown
- Click "Let's Get Started" and then "Step 1: Name your LLC"
- Scroll to "Is the name available in your state?"
- This will take you to your state's business registration website to search
Choosing Your LLC Name Format
Your state will allow different ways to write "LLC" at the end of your name. Pick ONE and use it everywhere:
- True Blue Limited Liability Company
- True Blue, Limited Liability Company
- True Blue, L.L.C.
- True Blue, LLC
- True Blue LLC
Write down exactly how you want it written because you'll use this exact format on every form, account, and application.
Step 3: Get Your Business Contact Information
You need all of these to look like a legitimate business:
📞 Phone Numbers (You need TWO numbers)
Toll-Free Number
This is your main business number (like 1-800 numbers). Lenders see toll-free numbers as a sign of credibility.
Where to get it: iPostal1 (starting at $39.99/month)
Local Number
A regular phone number with your area code. You'll need this for 411 directory listing.
Where to get it: Google Voice (FREE)
Important: Never use your personal cell phone or home phone as your business number. This can get you flagged as high-risk.
📠 Fax Number (eFax)
You need a fax number for credibility and to receive documents from lenders.
Where to get it: iPostal1 includes eFax in their bundle (receives faxes by email)
🏢 Business Address
Your business address must be a physical location (like an office building). It CANNOT be:
- ❌ A PO Box
- ❌ Your home address
- ❌ Any residential address
Solution: Virtual Office
If you don't need a physical office, get a virtual office address. This gives you a real commercial address for about $10-$100/month.
Recommended: iPostal1 (starting at $39.99/month - includes address, phone, and fax all in one!)
Critical Rule: Use your business address for ALL business forms and documents. All bills and correspondence should go to your business address.
✉️ Business Email
You need a professional email with your business domain (like hello@truebluellc.com).
❌ DO NOT use: Gmail, Yahoo, Hotmail, or other free personal email addresses
Where to get it: Google Workspace (starting at $6/month)
🌐 Business Website
Creditors will research your business online. You need a professional website where they can learn about your business.
DIY Option: Wix
Easy website builder with templates - no coding needed!
Cost: Starting at $14/month
Done-For-You: Fiverr
Hire someone to build your website for you
Cost: Starting at $15 one-time
What your website needs: A simple one-page site is fine! Include your business name, what you do, contact information, and location. You can use Canva (free) to create a logo.
📱 411 Directory Listing
This seems old-school, but creditors and lenders actually check 411 to verify your business is real!
- Visit ListYourself.net
- Select "Business" listing type
- Use your LOCAL phone number (not toll-free) for this listing
- Submit your application - they'll call your number to verify
- Follow up 3 days later to confirm your listing is published
411 listing is FREE! Make sure to keep your local phone number active while building business credit.
✅ Chapter 2 Action Items
- Decide on your business structure (LLC, S-Corp, or C-Corp)
- Check that your business name is available in your state
- Write down your exact business name format and use it everywhere
- Get a toll-free business phone number
- Get a local phone number for 411 listing
- Get an eFax number
- Set up a business address (virtual office if needed)
- Create a professional business email address
- Build or order a simple business website
- List your business in the 411 directory
- Verify your 411 listing is published after 3 days
📚 Quick Reference: Service Providers
| What You Need | Recommended Provider | Cost |
|---|---|---|
| Virtual Office Bundle (Address + Phone + Fax) |
iPostal1 | From $39.99/month |
| Local Phone Number | Google Voice | FREE |
| Business Email | Google Workspace | From $6/month |
| Website Builder | Wix | From $14/month |
| Website Design Service | Fiverr | From $15 one-time |
| Logo Design | Canva | FREE |
| 411 Directory Listing | ListYourself | FREE |
State Registration & Business Name
🏛️ Why State Registration Matters
Your state registration transforms your business from an idea into a legal entity. This creates a separation between your personal and business liabilities - protecting your personal assets while establishing credibility with vendors and lenders.
🏢 Entity Types Explained
| Entity Type | Best For | Liability Protection | Tax Treatment |
|---|---|---|---|
| LLC | Most small businesses | ✅ Yes | Pass-through |
| S-Corp | High-revenue businesses | ✅ Yes | Pass-through |
| C-Corp | Large companies, seeking investors | ✅ Yes | Double taxation |
| Sole Proprietorship | Testing business ideas | ❌ No | Personal return |
📝 State Registration Process
Your name must be unique in your state. Check availability at your Secretary of State website.
- Make it memorable and professional
- Consider future expansion (avoid being too specific)
- Check domain name availability
- Avoid numbers and special characters
A registered agent receives legal documents on behalf of your business. You can serve as your own agent or hire a service.
Submit your formation documents to your state's Secretary of State office along with the filing fee (typically $50-$500).
This internal document outlines how your business will be run, member roles, and profit distribution.
Once approved, you'll receive your official formation certificate. Keep this document safe - you'll need it for banking and credit applications.
🎯 DIY vs. Formation Service
🔧 DIY Registration
Cost: $50-$500 (state fees only)
Time: 2-6 weeks
Pros:
- Lowest cost option
- Full control
- Direct with state
Cons:
- More paperwork
- Risk of errors
- No registered agent
⭐ Formation Service (Recommended)
Cost: $0-$300 + state fees
Time: 1-3 weeks
Pros:
- Expert guidance
- Registered agent included
- Operating agreement templates
- Faster processing
- Compliance reminders
Cons:
- Service fees (but often worth it)
🏪 DBA (Doing Business As)
A DBA lets you operate under a different name than your legal business name. For example:
When You Need a DBA:
- You want to operate under multiple brand names
- Your LLC name is too generic or formal
- You're expanding into new markets
- You need a name that better describes your services
✅ State Registration Checklist
- Choose your entity type (LLC recommended)
- Select and verify business name availability
- Decide on DIY or formation service
- Appoint a registered agent
- File formation documents with your state
- Pay state filing fees
- Receive certificate of formation
- Create operating agreement or bylaws
- File DBA if operating under different name
- Store all documents in safe place
🎉 Ready to Register?
ZenBusiness makes state registration simple with $0 LLC formation (just pay state fees), free registered agent service for 1 year, and expert support throughout the process.
Start Your LLC with ZenBusiness →💼 Want Us to Handle Everything?
Total Business Build Out Done For You - We do it all for you. No problem.
Get Started with Done-For-You Service →Obtain Your EIN (Employer Identification Number)
🎯 What is an EIN?
An EIN (Employer Identification Number) is like a Social Security number for your business. It's a unique 9-digit number issued by the IRS that identifies your business entity for tax purposes.
- Open business bank accounts
- Apply for business credit cards
- Build business credit separate from personal credit
- Hire employees
- File business taxes
- Protect your personal SSN
🆓 Getting Your EIN (It's FREE!)
There are three ways to obtain your EIN:
⭐ Online Application (Recommended)
Processing Time: Immediate
Availability: Mon-Fri, 7am-10pm EST
Best For: Quick, same-day setup
Apply Online (IRS.gov) →📠 Fax Application
Processing Time: 4 business days
Method: Download Form SS-4, fill out, and fax
Best For: When online system is down
✉️ Mail Application
Processing Time: 4-6 weeks
Method: Mail completed Form SS-4 to IRS
Best For: When you have plenty of time
📝 Step-by-Step Online EIN Application
Before you start, have ready:
- Your SSN or ITIN (as the responsible party)
- Legal business name from state registration
- Business address (cannot be a PO Box)
- State and date of formation
- Business structure (LLC, Corp, etc.)
- Reason for applying (starting a new business)
Go to IRS.gov/EIN and click "Apply Online Now"
Choose the structure that matches your state registration (most common: LLC or Corporation).
The "responsible party" is the person who controls the business. For most small businesses, this is the owner/founder.
Provide your legal business name, DBA (if applicable), business address, and state of formation.
Describe what your business does and select the principal activity code. Choose the code that best matches your main business function.
Indicate whether you plan to hire employees and when. Even if you don't plan to hire now, getting an EIN is still important for credit building.
Double-check all information for accuracy. Once submitted, you'll receive your EIN immediately.
Print or save the PDF confirmation letter. This is your official documentation from the IRS.
🔍 What Your EIN Looks Like
EIN Format: XX-XXXXXXX
Example: 12-3456789
Your EIN is a 9-digit number formatted with a dash after the second digit.
❓ Common EIN Questions
Can I apply if I'm not a U.S. citizen?
Yes! Non-U.S. residents can apply by phone (267-941-1099, Mon-Fri 6am-11pm EST) or by mail/fax using Form SS-4.
Do I need a different EIN for each business?
Yes, each legal entity needs its own EIN. However, DBAs under the same entity use the same EIN.
What if I make a mistake on my application?
Contact the IRS Business & Specialty Tax Line at 800-829-4933 to make corrections. Minor errors can usually be fixed easily.
How long does my EIN last?
Forever! Your EIN never expires and stays with your business for its entire life. You don't need to renew it.
Can I use my EIN right away?
Yes! Once you receive your EIN, you can use it immediately for banking and credit applications. However, it may take 1-2 weeks to appear in all IRS systems.
🎯 After You Get Your EIN
Make sure all information is correct on your confirmation letter. Store multiple copies in safe places (digital and physical).
Add your EIN to your business documents, contracts, and any state registrations that require it.
With your EIN and formation documents, you're ready to open your business bank account (next chapter!).
Consider creating an IRS online account for easy access to business tax information and correspondence.
✅ EIN Application Checklist
- Have state formation documents ready
- Gather responsible party's SSN/ITIN
- Confirm legal business name and address
- Visit IRS.gov/EIN during business hours
- Complete online application in one session
- Save/print EIN confirmation letter
- Store EIN documentation safely
- Update business records with EIN
- Prepare for next step: business banking
🎉 Your EIN is Your Business's Identity
With your free EIN from the IRS, you've taken another crucial step toward building strong business credit. This number will be used on all your business credit applications, separating your business finances from your personal finances.
Get Your Free EIN Now →Business Bank Account
💰 Why a Business Bank Account is Critical
A dedicated business bank account is essential for building business credit. It separates your personal and business finances, establishes your business's financial identity, and is required by most vendors and lenders.
💎 The $10,000 Rule
🎯 The Golden $10K Strategy
Deposit $10,000 into your business account within the first 30 days and maintain it for 60-90 days.
Why This Works:
- Establishes strong banking relationship
- Shows financial stability to credit bureaus
- Increases approval odds for business credit
- May qualify you for better terms and higher limits
- Demonstrates you're a serious business owner
Don't Have $10K?
You can still build credit with less, but the $10K deposit accelerates the process significantly. Even $2,000-$5,000 shows good faith and financial responsibility.
🏦 Choosing the Right Business Bank
Not all business banks are equal for credit building. Here's what to look for:
- Reports to Business Credit Bureaus: Confirm they report to Dun & Bradstreet, Experian Business, and Equifax Business
- No Personal Guarantee Required: Some banks don't require a personal credit check
- Low or No Fees: Watch out for monthly maintenance fees, minimum balance requirements, and transaction fees
- Business Credit Card Options: Choose a bank that offers business credit cards you can apply for later
- Online Banking: Easy-to-use online and mobile banking is essential
- Local Branch Access: Helpful for depositing cash and resolving issues
⭐ Top 5 Banks for Business Credit Building
| Bank | Opening Deposit | Monthly Fee | Credit Building | Best For |
|---|---|---|---|---|
| Chase Business Complete | $0 | $15 (waivable) | ⭐⭐⭐⭐⭐ | Overall best option |
| Bank of America Business Advantage | $25 | $16 (waivable) | ⭐⭐⭐⭐⭐ | Established businesses |
| Wells Fargo Business Choice | $25 | $14 (waivable) | ⭐⭐⭐⭐ | Multiple locations |
| US Bank Silver Business | $0 | $0 | ⭐⭐⭐⭐ | No fees |
| Capital One Spark Business | $0 | $0 | ⭐⭐⭐⭐ | Online convenience |
📋 What You'll Need to Open an Account
Articles of Organization (LLC) or Articles of Incorporation (Corp) from your state.
Your IRS EIN letter proving your business's tax identification number.
Internal document showing how your business is structured and who has authority.
Some states or industries require specific licenses to operate.
Driver's license or passport for all authorized signers on the account.
The bank's minimum opening deposit (or your $10K strategy amount!).
📝 Step-by-Step Account Opening Process
Use the comparison table above to select the best bank for your needs. Consider location, fees, and credit building features.
Collect all formation documents, your EIN letter, operating agreement, and personal ID.
Some banks require appointments for business accounts. Call ahead to save time.
Provide business details, ownership information, and anticipated account activity. Be honest and accurate.
Deposit your opening funds ($10K recommended for optimal credit building).
Register for online and mobile banking immediately. Set up alerts for account activity.
You'll need these for business purchases and payments. Expect 1-2 weeks for delivery.
Connect your account to QuickBooks, FreshBooks, or your preferred accounting software for easy tracking.
💳 Maintain Your Account Properly
- Never Overdraft: Overdrafts can damage your business credit and lead to account closure
- Maintain Minimum Balance: Keep your account above any required minimums to avoid fees
- Use the Account Regularly: Make transactions at least 2-3 times per month to show activity
- Keep the $10K for 60-90 Days: Don't withdraw your initial deposit too quickly
- Separate Business and Personal: Never use for personal expenses
- Monitor Daily: Check your account regularly for unauthorized transactions
- Pay Bills from the Account: Use it to pay business vendors and credit accounts
- Deposit Business Income: All business revenue should go into this account
🎯 Maximize Your Banking Relationship
Your business bank account is more than just a place to store money. It's a relationship that can open doors to:
💳 Business Credit Cards
After 3-6 months of good account history, you'll qualify for business credit cards from your bank.
💵 Business Lines of Credit
Strong banking history can lead to lines of credit for cash flow and growth.
🏠 Business Loans
Established accounts make it easier to qualify for equipment loans, real estate financing, and expansion capital.
🤝 Relationship Benefits
Fee waivers, better terms, dedicated business bankers, and priority service.
✅ Business Banking Checklist
- Choose bank from top 5 recommendations
- Gather all required formation documents
- Prepare EIN confirmation letter
- Collect operating agreement/bylaws
- Bring personal identification
- Open account online or in-branch
- Make initial $10K deposit (or maximum possible)
- Set up online/mobile banking
- Order checks and debit card
- Link to accounting software
- Use account regularly for business transactions
- Maintain balance for 60-90 days
- Never overdraft or mix personal funds
🎉 Your Foundation is Set!
With your business bank account open and properly funded, you've established the financial foundation needed for business credit building. The $10K deposit strategy will significantly accelerate your approval odds in the next chapters.
Business Licensing & Insurance
🛡️ Why Business Insurance Matters for Credit
Business insurance isn't just about protection - it's a critical component of your credit profile. Many vendors and lenders require proof of insurance before approving credit applications. Having insurance also:
- Demonstrates business legitimacy and professionalism
- Protects your business from liability and financial loss
- Required by most vendor credit accounts
- Shows lenders you're serious and responsible
- Can improve credit approval odds significantly
📋 Business Licenses
Business license requirements vary by:
- Location: City, county, and state requirements differ
- Industry: Some businesses need special permits (food service, construction, healthcare, etc.)
- Business Type: Home-based vs. commercial location
Visit your city/county clerk's office website or call to determine what licenses you need. Common licenses include:
- General Business License
- Professional License (if applicable)
- Home Occupation Permit (for home-based businesses)
- Sales Tax Permit (if selling products)
- Industry-Specific Permits
Complete applications online or in-person. Have your EIN, formation documents, and business details ready.
Fees range from $50-$400 depending on location and business type. Some licenses require annual renewal.
Keep your business license at your place of business and have copies for vendor applications.
🛡️ Types of Business Insurance
🏢 General Liability Insurance (Most Common)
Coverage: Protects against customer injuries, property damage, advertising injury claims
Cost: $400-$1,500/year for most small businesses
Required For: Most vendor accounts, office leases, client contracts
💼 Professional Liability Insurance (E&O)
Coverage: Protects against mistakes, errors, negligence in professional services
Cost: $500-$3,000/year
Best For: Consultants, advisors, service providers, contractors
🏠 Business Property Insurance
Coverage: Protects business equipment, inventory, and property
Cost: $500-$2,000/year
Best For: Businesses with significant equipment or inventory
💼 Workers' Compensation
Coverage: Covers employee injuries and illnesses
Cost: Varies by industry and payroll
Required When: You have employees (required in most states)
🎁 Business Owner's Policy (BOP)
Coverage: Bundles general liability + property insurance
Cost: $500-$3,000/year (cheaper than buying separately)
Best For: Small businesses needing comprehensive coverage
⭐ Recommended: Next Insurance
🎯 Why Next Insurance is Perfect for Credit Building
Instant Coverage: Get insured in 10 minutes online, no waiting for quotes
Affordable Rates:
- General Liability: Starting at $23/month
- Professional Liability: Starting at $29/month
- Business Owner's Policy: Starting at $41/month
Credit Building Benefits:
- Instant certificate of insurance for vendor applications
- Can add additional insureds for free (needed for some vendors)
- Accepted by all major vendors and lenders
- Easy to modify coverage as needed
- 100% online management - no agent needed
Simple Process:
- Answer 8-10 simple questions about your business
- Get instant quote with multiple coverage options
- Purchase online with credit/debit card
- Receive certificate of insurance immediately
📝 How to Get Business Insurance
For credit building, start with General Liability Insurance ($1M coverage recommended). Add professional liability if you provide services or advice.
Go to NextInsurance.com and click "Get a Quote"
Choose the category that best matches your business (consulting, contracting, retail, etc.)
Provide details about:
- Business name and address
- Years in business (even if 0)
- Number of employees
- Annual revenue (estimate if new)
- Services you provide
Recommended minimums:
- General Liability: $1M per occurrence / $2M aggregate
- Professional Liability: $1M per claim / $1M aggregate
Compare coverage options and prices. Choose monthly or annual payment (annual saves money).
Immediately after purchase, download your certificate. Save multiple copies - you'll need this for EVERY vendor application.
Keep your policy documents and certificate in a safe place. You'll reference them frequently during credit building.
📄 Using Your Insurance Certificate
Your Certificate of Insurance (COI) is proof of coverage. You'll need it when:
- Applying for vendor credit accounts
- Signing client contracts
- Renting commercial space
- Applying for business loans
- Bidding on projects or contracts
💰 Insurance Cost Comparison
| Provider | General Liability | Application Time | Instant Coverage |
|---|---|---|---|
| Next Insurance ⭐ | $23-40/month | 10 minutes | ✅ Yes |
| Traditional Agent | $35-60/month | 1-3 days | ❌ No |
| The Hartford | $40-70/month | 24-48 hours | ❌ No |
| Hiscox | $35-55/month | 1-2 days | ❌ No |
✅ Insurance & Licensing Checklist
- Research local business license requirements
- Apply for and obtain general business license
- Get industry-specific licenses if needed
- Obtain sales tax permit if selling products
- Visit Next Insurance website
- Get quote for General Liability ($1M minimum)
- Add Professional Liability if providing services
- Purchase insurance policy
- Download Certificate of Insurance
- Save multiple copies of certificate
- Store policy documents safely
- Set renewal reminders
🎉 Legally Protected and Credit-Ready!
With your business license and insurance in place, you've completed the foundational requirements for vendor credit. Most vendors will require your certificate of insurance during the application process. Now you're ready to start building actual business credit!
Get Your Business Insurance Now →💼 Want Us to Handle Everything?
Total Business Build Out Done For You - We do it all for you. No problem.
Get Started with Done-For-You Service →Business Credit Reporting & Monitoring
📈 Understanding Business Credit Bureaus
Just like personal credit has three bureaus (Experian, Equifax, TransUnion), business credit has its own reporting agencies. These bureaus track your business's payment history, credit utilization, and financial relationships.
🏢 The Big 3 Business Credit Bureaus
1️⃣ Dun & Bradstreet (D&B)
Score Range: 0-100 (Paydex Score)
Used By: Major corporations, government contracts, large vendors
Unique ID: DUNS Number (Data Universal Numbering System)
Key Features:
- Most established (founded 1841)
- Required for government contracts
- Used by Fortune 500 companies
- Paydex 80+ is considered excellent
- Only reports payment experiences (not credit inquiries)
2️⃣ Experian Business
Score Range: 0-100 (Intelliscore Plus)
Used By: Banks, fintech lenders, credit card issuers
Unique ID: Business Identification Number (BIN)
Key Features:
- Most comprehensive business credit data
- Tracks credit inquiries and payment history
- Used by most business credit card issuers
- Reports bankruptcies, liens, judgments
- Score 76+ is excellent
3️⃣ Equifax Business
Score Range: 101-992 (Business Credit Risk Score)
Used By: Small business lenders, suppliers, equipment financing
Unique ID: Equifax Business ID
Key Features:
- Different scoring model (higher = better)
- Focuses on payment trends
- Used by small business lenders
- Score 700+ is excellent
- Links to personal credit for small businesses
🎯 Getting Your FREE DUNS Number
Go to dnb.com and search for "Get a DUNS Number" or navigate to the small business section.
D&B may have already created a file for your business. Search by business name and address to check.
If no file exists, complete the free registration form with:
- Legal business name
- DBA (if applicable)
- Business address (physical, not PO Box)
- EIN
- Business phone number
- Date business started
- Business structure (LLC, Corp, etc.)
- Industry/business type
D&B will verify your business details. This typically takes 24-48 hours for the free process (or instant if you pay for expedited).
You'll receive your 9-digit DUNS number via email. Save this number - you'll use it on vendor applications.
Log in to your free D&B account and complete your business profile:
- Add your business description
- Upload your logo
- Add your website URL
- Verify business details
- Add banking information (optional but helpful)
📊 Monitoring Your Business Credit
Unlike personal credit (where you get one free report per year), business credit reports are not free. However, monitoring is essential to:
- Track your progress as you build credit
- Identify and dispute errors
- See which vendors are reporting
- Monitor credit inquiries
- Catch fraud or identity theft
- Know your scores before applying for credit
⭐ Recommended: Nav Business Credit Monitoring
🎯 Why Nav is the Best Credit Monitoring Solution
All-in-One Platform: Monitor all 3 bureaus (D&B, Experian, Equifax) in one dashboard
Pricing:
- Free Plan: Basic credit profile access
- Nav Prime ($39.95/month): Full credit monitoring, scores, and reports
- Nav Pro ($99/month): Premium monitoring + expert credit builder support
Features:
- Real-time credit score updates from all 3 bureaus
- Unlimited credit report access
- Credit score simulator (see impact before you apply)
- Vendor credit recommendations based on your profile
- Financing matchmaking (find lenders likely to approve you)
- Business credit building tools and education
- Dispute resolution assistance
Best For Credit Building:
- See exactly which vendors to apply for based on your profile
- Track payment reporting from vendors in real-time
- Get alerted when accounts report to bureaus
- Know your approval odds before applying
💳 Alternative Monitoring Options
| Service | Price | Bureaus Covered | Best For |
|---|---|---|---|
| Nav ⭐ | $39.95-99/mo | All 3 + Personal | Complete monitoring |
| CreditSafe | $34.99/mo | D&B, Experian | Two-bureau monitoring |
| Dun & Bradstreet | $149/mo | D&B only | D&B-focused businesses |
| Experian Business | $39.95/mo | Experian only | Single bureau tracking |
🎯 What to Monitor
The most important factor. Monitor that vendors are reporting your payments correctly and on time.
Keep business credit card balances below 30% of limits. Lower is better (under 10% is ideal).
Too many inquiries can hurt your scores. Nav shows you approval odds before you apply to minimize hard pulls.
Bankruptcies, liens, judgments. Dispute any errors immediately.
Ensure your business name, address, phone, and industry are correct across all three bureaus.
Track your Paydex (D&B), Intelliscore (Experian), and Business Credit Risk Score (Equifax) monthly.
🎯 Target Credit Scores
Dun & Bradstreet Paydex
80-100: Excellent (pay early)
70-79: Good (pay on time)
50-69: Fair (pay slow)
Below 50: Poor
Experian Intelliscore Plus
76-100: Excellent (1% risk)
51-75: Good (5-10% risk)
26-50: Fair (20-30% risk)
1-25: Poor (50%+ risk)
Equifax Business Risk Score
700-992: Excellent
600-699: Good
500-599: Fair
101-499: Poor
✅ Credit Reporting Checklist
- Search for existing D&B file
- Register for FREE DUNS number at dnb.com
- Complete D&B business profile 100%
- Wait 24-48 hours for DUNS number
- Save DUNS number for vendor applications
- Sign up for Nav free account
- Review your initial business credit profile
- Upgrade to Nav Prime for full monitoring
- Check all three bureau scores
- Verify business information is accurate
- Set up credit score alerts
- Review credit reports monthly
🎉 You're Ready to Build Credit!
With your DUNS number obtained and credit monitoring in place, you now have the foundation and the tools to track your progress. The next chapters will show you exactly which vendors to apply for in the right order to build strong business credit quickly.
Start Monitoring Your Credit with Nav →Tier 1 Funding: Vendor Tradelines (Net 30/60/90)
🚀 Welcome to Active Credit Building!
You've completed the foundation - now it's time to build actual business credit. Tier 1 vendors are your starting point. These vendors approve businesses with little to no credit history and report your payment activity to the business credit bureaus.
📋 What Are Vendor Tradelines?
Vendor tradelines (also called Net Terms or trade credit) allow you to purchase goods or services and pay later - typically in 30, 60, or 90 days. Unlike credit cards, these accounts:
- Don't require personal credit checks (EIN-only accounts)
- Report to business credit bureaus to build your profile
- Have no interest if paid within terms
- Establish payment history - the #1 credit building factor
- Increase your business's creditworthiness for larger credit lines
🎯 Tier 1 Vendor Approval Strategy
Apply to multiple Tier 1 vendors simultaneously. Most approve quickly with minimal requirements.
Your first orders should be $50-200. The goal is to establish payment history, not make large purchases.
To build a Paydex score of 80+, pay 1-3 days before the due date. On-time = 70-79, early = 80-100.
Make purchases and pay them off monthly to establish consistent payment history. Most vendors report after 2-3 payment cycles.
Use Nav to track when vendors report your accounts to D&B, Experian, and Equifax. Once you see 3-5 tradelines reporting, you're ready for Tier 2.
📊 Top Tier 1 Vendors (Easy Approval)
| Vendor | Credit Required | Initial Limit | Reports To | Application |
|---|---|---|---|---|
| Uline Shipping/Office Supplies |
None | $500-1,500 | D&B, Experian | uline.com |
| Quill Office Supplies |
None | $500-1,000 | D&B, Experian, Equifax | quill.com |
| Grainger Industrial Supplies |
None | $1,000-2,500 | D&B, Experian | grainger.com |
| Crown Office Supplies Office Products |
None | $500 | D&B | crownofficesupplies.com |
| Duke Cannon Men's Grooming Products |
None | $500-1,000 | D&B | Email: wholesale@dukecannon.com |
| Summa Office Supplies Office Products |
None | $500-750 | D&B, Experian | summaofficesupplies.com |
| Midwest Tape Media/Entertainment |
None | $250-500 | D&B | midwesttape.com |
| FloDesign Floral/Gift Supplies |
None | $500 | D&B | flodesigninc.com |
📝 How to Apply for Tier 1 Vendor Credit
Go to the vendor's website and look for "Apply for Credit" or "Net Terms" in the business/wholesale section.
Most applications require:
- Legal business name and DBA
- Business address and phone
- EIN (NOT your SSN)
- Date business started
- Type of business/industry
- DUNS number (if requested)
- Bank name and account number
- Estimated monthly purchases
Some vendors may request:
- Articles of Organization/Incorporation
- Certificate of Insurance
- Business license
- Voided business check
Most Tier 1 vendors approve within 24-72 hours. Some approve instantly online.
Once approved, you'll receive your credit limit and payment terms (usually Net 30). Save all approval communications.
Order something small ($50-150) that your business can actually use. Office supplies, shipping materials, cleaning supplies, etc.
Mark your calendar to pay 1-3 days BEFORE the due date. Set multiple reminders - this is critical for building a high Paydex score.
Pay via ACH, check, or credit card (if allowed) before the due date. Keep payment confirmation for your records.
Make 2-3 small purchases per month from each vendor for 2-3 months to establish solid payment history.
💰 Sample Tier 1 Purchase Ideas
Office Supplies (Uline, Quill)
- Pens, notepads, folders
- Printer paper
- Shipping boxes and tape
- Labels and envelopes
- Desk organizers
Total: $50-100
Industrial/Janitorial (Grainger)
- Cleaning supplies
- Safety equipment
- Hand tools
- Light bulbs
- Extension cords
Total: $75-150
Specialty Items
- Business cards or marketing materials
- Promotional products
- Small equipment or tools
- Inventory for resale
Total: $50-200
🎯 Tier 1 Timeline & Expectations
| Week | Action | Expected Result |
|---|---|---|
| Week 1 | Apply to 3-5 Tier 1 vendors | 3-5 approvals, credit lines established |
| Week 2 | Place first small orders | Orders delivered, invoices received |
| Week 3-4 | Pay all invoices early | First payment cycle complete |
| Week 5-8 | Repeat: Order → Pay Early | 2-3 payment cycles established |
| Week 9-12 | Monitor credit reports via Nav | Tradelines appear on D&B/Experian/Equifax |
| Week 12+ | Ready for Tier 2! | Business credit scores begin to develop |
✅ Tier 1 Credit Building Checklist
- Select 3-5 Tier 1 vendors from the list above
- Apply for credit with all vendors simultaneously
- Receive approval and credit limits
- Place first small orders ($50-200 each)
- Receive invoices with due dates
- Set payment reminders for 1-3 days before due date
- Pay ALL invoices early
- Repeat monthly for 2-3 months
- Monitor Nav for tradeline reporting
- Verify 3-5 accounts reporting to bureaus
- Check D&B Paydex score (target: 80+)
- Ready to move to Tier 2 vendors
🎉 Congratulations on Building Your First Tradelines!
Tier 1 vendors are the foundation of business credit. After 2-3 months of early payments, you'll have established tradelines on your business credit reports, making you eligible for Tier 2 vendors with higher limits and better terms. Keep paying early and monitor your progress with Nav!
💼 Want Us to Handle Everything?
Total Business Build Out Done For You - We do it all for you. No problem.
Get Started with Done-For-You Service →Tier 2 Funding: Retail Business Credit Cards
📈 Leveling Up: Retail Store Cards
With 3-5 Tier 1 tradelines reporting and 2-3 months of payment history, you're ready for Tier 2: retail business credit cards. These cards offer higher limits ($500-$5,000), report to all three bureaus, and begin building your revolving credit profile.
🎯 Tier 2 Eligibility Requirements
Before applying for Tier 2 cards, ensure you have:
- 3-5 Tier 1 vendor tradelines reporting to D&B/Experian/Equifax
- D&B Paydex score of 70+ (80+ is better)
- Business age of 3+ months (6+ months is better)
- Clean payment history (no late payments)
- Business bank account in good standing
- Active DUNS number
💳 Top Tier 2 Retail Business Credit Cards
| Card / Store | Typical Limit | Reports To | Personal Credit Check | Approval Difficulty |
|---|---|---|---|---|
| Staples Business Credit | $500-5,000 | All 3 | Yes | Easy |
| Office Depot Business Credit | $500-3,000 | All 3 | Yes | Easy |
| Home Depot Business Credit | $1,000-5,000 | All 3 | Yes | Moderate |
| Lowe's Business Account | $1,000-10,000 | All 3 | Yes | Moderate |
| Amazon Business Prime Card | $1,000-25,000 | All 3 | Yes | Moderate-Hard |
| Sam's Club Business Credit | $1,000-7,500 | All 3 | Yes | Easy-Moderate |
| Costco Business Credit | $2,000-10,000 | All 3 | Yes | Moderate |
| Fleet Farm Business Account | $500-3,000 | D&B, Experian | Yes | Easy |
🚀 Credit Strong Business: The Secret Weapon
⭐ Game-Changer for Building Business Credit Fast
What is Credit Strong Business?
Credit Strong is a credit builder loan that reports to ALL THREE business credit bureaus monthly. Unlike store cards that require purchases, this "set and forget" tradeline builds your credit automatically.
How It Works:
- You make monthly payments ($15-150/month depending on plan)
- Payments go into a savings account you can't touch during the term
- Credit Strong reports your payments to D&B, Experian Business, and Equifax Business
- At the end of term (6-24 months), you get ALL your money back plus interest
Pricing Plans:
- Builder Plan: $15/month x 24 months = $360 total (get back $370+)
- Builder Plus: $35/month x 24 months = $840 total (get back $860+)
- Accelerator: $48/month x 12 months = $576 total (get back $590+)
- Accelerator Plus: $100/month x 12 months = $1,200 total (get back $1,230+)
Why This Is Powerful:
- Reports as an installment loan (diversifies your credit mix)
- Guaranteed approval - no credit check required
- Reports to ALL 3 business credit bureaus automatically
- You get your money back (not an expense, it's forced savings)
- Builds credit while you sleep - no purchases needed
- Can run multiple accounts for even faster credit building
📝 Tier 2 Application Strategy
Unlike Tier 1, apply for 1-2 Tier 2 cards at a time to avoid too many hard inquiries on your personal credit. Wait 30 days between application rounds.
Begin with Staples and Office Depot (highest approval rates), then move to harder cards once approved.
Open a Credit Strong account immediately. This will build credit passively while you work on store cards.
Use each card for $50-200 worth of purchases in the first month to activate reporting.
To maximize credit scores, pay off balances before the statement closes. This reports $0 balance = 0% utilization.
After 30-60 days, apply for the next tier of cards. Keep utilization low and always pay on time.
✅ Tier 2 Funding Checklist
- Verify 3-5 Tier 1 tradelines reporting on business credit
- Check D&B Paydex score (target: 70+)
- Check personal credit score (target: 680+)
- Apply for Credit Strong Business account
- Set up automatic payments for Credit Strong
- Apply for Staples Business Credit
- Apply for Office Depot Business Credit
- Wait 30 days, then apply for Home Depot or Lowe's
- Make small purchases on each card
- Pay balances in full each month
- Keep credit utilization under 10%
- Monitor credit reports for new tradelines
- After 60-90 days, ready for Tier 3
🎉 Building Strong Revolving Credit!
Tier 2 marks your transition from vendor accounts to actual credit cards. Combined with Credit Strong's automatic reporting, you're building a diverse, strong business credit profile. With 3-6 months of excellent payment history, you'll be ready for major bank cards in Tier 3!
Start Building with Credit Strong →Tier 3 Funding: Fintech Business Cards (No PG)
🚀 The Big Leagues: No Personal Guarantee Cards
Tier 3 represents a major milestone - fintech business credit cards that don't require a personal guarantee. These cards base approval on your business credit profile, bank account balance, and revenue - NOT your personal credit score. Limits range from $5,000 to $150,000+.
🎯 Tier 3 Eligibility Requirements
Before applying for Tier 3 cards, you should have:
- 6+ months in business
- $10,000+ in business bank account
- D&B Paydex score of 75+
- 5-10 tradelines reporting to business credit bureaus
- $50,000+ in annual revenue (or can show consistent deposits)
- Clean payment history across all tradelines
- Business bank account with regular activity
💳 Top Tier 3 Fintech Cards (No Personal Guarantee)
| Card | Credit Limit | Approval Basis | Rewards | Best For |
|---|---|---|---|---|
| Divvy | $500-$150K+ | Bank balance + Revenue | 7x points categories | Best overall, easy approval |
| Brex | $5K-$1M+ | Bank balance + Revenue | 7x points on rideshare | Startups, tech companies |
| Ramp | $5K-$500K+ | Bank balance + Revenue | 1.5% cash back | High spenders |
| Capital on Tap | $500-$50K | Business credit | 1.5% cash back | Smaller businesses |
| Fundbox | $1K-$150K | Bank statements | None (LOC) | Line of credit option |
| Nav Prime Tradeline | $1K-$25K | Business credit | None | Credit building focus |
⭐ Featured: Divvy Business Card
🎯 Best No-PG Card for Most Businesses
Why Divvy Stands Out:
- Easiest Tier 3 Approval: Lower requirements than Brex or Ramp
- No Personal Guarantee: Your personal assets are protected
- High Limits: $500-$150,000+ based on bank balance and revenue
- Free to Use: No annual fees, no interest if paid in full
- 7x Rewards: Earn 7x points in your top spending category automatically
- Reports to Bureaus: Builds your business credit profile
- Instant Virtual Cards: Create cards for employees or departments instantly
- Spend Management: Set budgets, track expenses, export to QuickBooks
Approval Requirements:
- 3-6 months in business
- $5,000-10,000+ in business bank account
- Regular business revenue/deposits
- Clean business credit (if available)
- No personal credit check (soft pull only)
⭐ Featured: Capital on Tap
🎯 Best for Established Business Credit
Why Capital on Tap Is Powerful:
- Pure Business Credit Approval: Focuses heavily on your business credit scores
- No Personal Guarantee: True EIN-only funding
- $500-50,000 Limits: Based on business credit profile
- 1.5% Cash Back: On all purchases
- Free: No annual fee, no foreign transaction fees
- Quick Approval: Often approved within 1-2 business days
- Multiple Cards: Issue employee cards at no extra cost
Ideal Profile:
- D&B Paydex 75+
- Experian Intelliscore 60+
- 10+ tradelines reporting
- 6+ months in business
- Clean payment history
📝 Tier 3 Application Strategy
Most Tier 3 lenders connect directly to your bank account to verify revenue and deposits. Have 3-6 months of consistent business deposits showing $50K+ annual revenue.
Divvy has the lowest approval threshold of the major fintech cards. Apply here first to establish your first no-PG tradeline.
After successfully using Divvy for 30 days, apply for Capital on Tap. Your business credit scores should be strong enough by now.
If you have strong revenue ($100K+ annually) and good banking history, add Brex or Ramp for even higher limits.
Don't max out these cards. Keep utilization under 30% (under 10% is ideal) and pay in full monthly to maintain strong business credit scores.
✅ Tier 3 Funding Checklist
- Verify 6+ months in business
- Maintain $10K+ in business bank account
- Check D&B Paydex score (target: 75+)
- Verify 5-10 tradelines reporting to bureaus
- Confirm $50K+ annual revenue or consistent deposits
- Connect bank account for fintech approvals
- Apply for Divvy business card
- Use Divvy for 30 days, pay on time
- Apply for Capital on Tap
- Consider Brex, Ramp, or Fundbox if qualified
- Keep utilization under 30% on all cards
- Pay balances in full monthly
- Ready for Tier 4 major bank cards
🎉 No Personal Guarantee Achieved!
Tier 3 cards represent true separation of business and personal credit. With no personal guarantee, you're protecting your personal assets while accessing significant business credit limits. This is what business credit building is all about!
💼 Want Us to Handle Everything?
Total Business Build Out Done For You - We do it all for you. No problem.
Get Started with Done-For-You Service →Tier 4 Funding: Major Bank Business Cards
🏆 The Ultimate Goal: Major Bank Cards
Tier 4 represents the pinnacle of business credit - major bank business credit cards with high limits, premium rewards, and the prestige of institutions like Chase, American Express, Bank of America, and Capital One. These cards offer $10,000-$250,000+ credit limits and some of the best rewards programs available.
💳 Top Tier 4 Major Bank Cards
| Card | Typical Limit | Annual Fee | Best Rewards | Best For |
|---|---|---|---|---|
| Chase Ink Business Preferred | $5K-$50K | $95 | 3x on travel, shipping, ads | Travel rewards |
| Chase Ink Business Cash | $3K-$25K | $0 | 5% on office, internet, gas | Cash back preferred |
| Amex Business Gold | $10K-$100K | $295 | 4x on top 2 categories | High spenders |
| Amex Business Platinum | $15K-$250K | $695 | 5x on flights + hotels | Premium perks, travel |
| Capital One Spark Cash Plus | $10K-$100K | $150 | 2% cash back unlimited | Simple, high cash back |
| Bank of America Business Advantage | $5K-$75K | $0-95 | 3% cash back categories | BofA banking customers |
| Wells Fargo Business Elite | $5K-$50K | $95 | 1.5% on all purchases | Wells Fargo customers |
🎯 Credit Stacking Strategy
⚡ Advanced Technique: Apply for Multiple Cards in One Day
Credit Stacking is the strategy of applying for 3-5 business credit cards from different banks on the SAME DAY. Here's why it works:
The Logic:
- Credit inquiries don't report instantly - it takes 1-2 days for new inquiries to appear
- Each bank sees your credit BEFORE other applications hit your report
- You can get approved for multiple cards before your credit score drops from inquiries
- Business credit inquiries have less impact than personal credit inquiries
How to Execute:
- Choose 3-5 cards you want (different banks only)
- Prepare all applications in advance (have info ready)
- On application day, apply to all cards within 2-3 hours
- Apply to your most-wanted card FIRST
- Apply in order of difficulty (easiest to hardest)
Example Stacking Sequence:
- 9:00 AM: Chase Ink Business Cash
- 9:30 AM: American Express Business Gold
- 10:00 AM: Capital One Spark Cash
- 10:30 AM: Bank of America Business Advantage
- 11:00 AM: Wells Fargo Business Elite
- Personal credit score 700+
- Strong business credit (Paydex 80+, Intelliscore 70+)
- 1+ year in business
- Clean payment history across all accounts
- Revenue to support multiple cards
📝 Tier 4 Application Strategy (Non-Stacking)
If you're not ready for credit stacking, follow this conservative approach:
If you bank with Chase, apply for Chase Ink cards. If with BofA, apply there. Your existing banking relationship improves approval odds.
Allow time for each inquiry to age and for your scores to recover before applying for the next card.
Make purchases and pay balances before applying for additional cards. This shows responsible credit management.
You don't need 20 cards. Focus on 3-5 quality cards from major banks with the best rewards for your spending.
✅ Tier 4 Funding Checklist
- Verify 1+ year in business
- Check personal credit score (target: 700+)
- Check business credit scores (Paydex 80+, Intelliscore 70+)
- Verify 10+ tradelines on business credit reports
- Confirm $75K+ annual revenue
- Decide: Credit stacking vs. conservative approach
- If stacking: Prepare 3-5 applications in advance
- Apply for cards (same day if stacking, or spaced out)
- Wait for approvals (instant to 7-10 days)
- Activate cards and set up online accounts
- Make purchases on each card to activate reporting
- Keep utilization under 30% across all cards
- Pay balances in full monthly
🎉 You've Reached the Top of Business Credit!
With major bank cards approved, you've achieved the highest level of business credit. You now have access to $50,000-$500,000+ in business credit, premium rewards programs, and the financial flexibility to grow your business to new heights.
Bonus Applications: Real Estate, Vehicles & Corporate Leases
🏢 Beyond Credit Cards: Leveraging Your Business Credit
With strong business credit established, you can now use it for major purchases and leases that were previously difficult or impossible without perfect personal credit. These opportunities include real estate, vehicle financing, and corporate leases - all using your BUSINESS credit profile.
🏠 Business Real Estate Financing
Your business credit can help you qualify for:
- Commercial Property Loans: Office buildings, warehouses, retail space
- Investment Property Loans: Rental properties held under your LLC
- SBA 7(a) Loans: Up to $5 million for business real estate
- Commercial Mortgages: 15-30 year terms, competitive rates
🚗 Business Vehicle Financing
Use your business credit to finance vehicles without impacting personal credit:
⭐ Ally Bank Business Auto Loans
What They Offer:
- New and used vehicle financing
- EIN-based approval (light personal credit check)
- $5,000-$250,000 loan amounts
- Terms up to 72 months
- Competitive rates for strong business credit
Requirements:
- 6+ months in business
- Strong business credit profile
- Business bank account
- Positive cash flow
- Ford Commercial Credit: Fleet vehicles and work trucks
- GM Business Choice: Chevrolet, GMC, and Cadillac business vehicles
- Toyota Commercial Credit: Cars, trucks, and vans for business use
- Enterprise Fleet Management: Long-term vehicle leases
🏢 Corporate Apartment & Housing Leases
Use business credit to secure corporate housing without personal credit checks:
Companies like Oakwood, Bridgestreet, and Extended Stay America offer month-to-month corporate housing with business credit approval. Perfect for:
- Remote workers and consultants
- Business travel and temporary relocation
- Project-based housing needs
- Executive housing
Landlords increasingly accept business credit for:
- Office space leases
- Warehouse and industrial space
- Retail locations
- Co-working space agreements
- D&B Paydex score 75+
- Strong business revenue
- Business bank statements
- Certificate of insurance
- Business references
🎯 Bonus Funding Opportunities
Equipment Financing
Finance computers, machinery, tools, and equipment through your business credit. Lenders like Balboa Capital, CIT Bank, and National Funding offer $5K-$5M in equipment loans.
Inventory Financing
Fund inventory purchases without upfront cash. Companies like Kickfurther and Inventory Source provide inventory financing based on business credit and sales data.
Invoice Factoring
Convert unpaid invoices to immediate cash. Fundbox, BlueVine, and Triumph Business Capital offer invoice financing with business credit approval.
Business Lines of Credit
$10K-$250K+ revolving credit lines from lenders like Bluevine, OnDeck, and Fundbox. Use for cash flow, emergencies, or opportunities.
✅ Bonus Applications Checklist
- Research real estate financing options for your needs
- Compare business vehicle financing rates (Ally, manufacturers)
- Explore corporate housing if needed for business
- Consider equipment financing for major purchases
- Look into inventory financing if you sell products
- Apply for business line of credit for emergency fund
- Maintain strong business credit to keep options open
- Continue making all payments early or on time
- Monitor credit reports monthly
- Update business financials and credit profile regularly
🎉 Your Business Credit is Now a Powerful Tool!
Strong business credit opens doors far beyond credit cards. From real estate to vehicles to corporate leases, you can now make major business decisions without relying on personal credit. This is the true power of business credit building!
Explore Ally Bank Vehicle Financing →💼 Want Us to Handle Everything?
Total Business Build Out Done For You - We do it all for you. No problem.
Get Started with Done-For-You Service →🎉 Congratulations!
You've Completed the Business Credit Roadmap
🚀 What You've Accomplished
By following this step-by-step guide, you now have the complete blueprint to:
- Form and structure a fundable business entity
- Obtain your free EIN and DUNS number
- Open and manage a business bank account strategically
- Secure business licenses and insurance
- Monitor your business credit across all three bureaus
- Build Tier 1 vendor tradelines
- Qualify for Tier 2 retail business credit cards
- Access Tier 3 fintech cards with no personal guarantee
- Obtain Tier 4 major bank cards with high limits
- Leverage business credit for real estate, vehicles, and leases
📈 Your Next Steps
Business credit building takes 6-12 months to reach Tier 4. Be patient, follow the system, and don't skip steps.
The single most important factor: pay 1-3 days before due dates to build an 80+ Paydex score.
Check your business credit reports via Nav every 30 days to track progress and catch errors.
While building business credit, maintain your personal credit. Many lenders still check both.
Don't max out cards or over-leverage. Use credit for genuine business needs and growth opportunities.
Use your business credit to invest in growth: marketing, inventory, equipment, hiring, and expansion.
💎 Final Reminders
The purpose of business credit isn't to accumulate credit for its own sake - it's to fund real business growth, protect your personal assets, and create financial flexibility. Use it wisely.
This guide contains everything required to build business credit from zero to six figures in credit limits. No need to buy expensive courses or credit repair services. Just follow the system, stay consistent, and take action.
🎯 Resources Recap
| Resource | Purpose | Link |
|---|---|---|
| ZenBusiness | LLC Formation | Visit → |
| IRS.gov | Free EIN | Visit → |
| Next Insurance | Business Insurance | Visit → |
| Dun & Bradstreet | Free DUNS Number | Visit → |
| Nav | Credit Monitoring | Visit → |
| Credit Strong | Automatic Credit Building | Visit → |
| Divvy | Tier 3 No-PG Card | Visit → |
| Ally Bank | Vehicle Financing | Visit → |
Ready to Build Your Business Empire?
You have the roadmap. Now take action.
Start with Chapter 1 and work through each step systematically. Within 6-12 months, you'll have:
$50,000 - $500,000+ in Business Credit
Your business success starts now. Let's build something great together!
Ready to Build Your Business Empire?
Download both volumes now and start your journey to financial freedom
Visit simplegrowthcode.comTransform your business structure today!
Vendor Application SOP Checklist
A step-by-step guide to applying for Tier 1 Net 30 vendors the right way
STEP 1: Pre-Application Prep
- Fundability checklist is complete (Module 1 done)
- EIN and DUNS numbers are verified and active
- Business address is virtual/commercial (no home/PO box)
- Domain-based email is set up (e.g., info@yourbusiness.com)
- Business phone line is active
- Business bank account is open and active
- Website is live with matching info
STEP 2: Gather Business Info for the Application
Prepare the following to copy-paste consistently across all vendor applications:
- Legal Business Name (must match EIN)
- Business Address (must match DUNS + EIN)
- Business Phone Number
- Business Email Address
- EIN
- DUNS Number
- Industry/Nature of Business
- Number of Employees (use 1–5 if solo)
- Annual Revenue (realistic if new, e.g., $10K–$25K)
- Years in Business (EIN registration date acceptable)
STEP 3: Submit Your Application
- Use online application or phone form per vendor
- Do not include SSN/DOB unless specifically required (and only if PG is acceptable)
- Opt for Net 30 terms when available
- If required, start with a prepaid order to establish payment history
STEP 4: Follow-Up Strategy
- Call or email 3–5 days after applying to confirm account approval
- Request switch to Net 30 terms if started with prepaid
- Confirm which bureau they report to and when
STEP 5: Track + Monitor
- Add vendor to your Business Credit Tracker Sheet
- Note payment due dates and terms
- Pay invoices early (10–15 days from invoice date)
- Check business credit reports (Nav, D&B, Experian Biz) within 30–45 days
Pro Tip: Consistency matters. Use the exact same business information across every vendor, credit, or funding application to avoid mismatches and automatic rejections.
Which Bank Pulls Which Bureau?
Smart stacking starts with strategic credit-pull planning.
Major Banks
-
American Express (Amex): Usually Experian (personal). Biz cards often require PG unless profile is strong.
-
Capital One: Often all three (Experian, Equifax, TransUnion). Avoid in blitz stacks unless needed.
-
Chase: Usually Experian. EIN-only typically requires very strong business credit.
-
Bank of America: Experian or TransUnion (varies by region). May also use ChexSystems for banking.
-
Wells Fargo: Usually Experian.
-
PNC: Usually Equifax.
-
US Bank: Usually TransUnion.
-
Navy Federal Credit Union: TransUnion (personal); can approve thinner files.
Fintech & Alt-Lenders
-
Divvy (BILL): Soft pull only (Experian Business or none) — business charge card.
-
Ramp: No personal credit pull — based on business banking data.
-
Brex: EIN-only business data; no PG (eligibility varies).
-
Capital on Tap: Soft pull — Experian only.
-
Fundbox: Line of credit; soft pull (Experian Biz).
-
Bluevine: Line of credit + checking; soft pull.
-
Nav Marketplace: Multiple lenders; soft pull; varies by product.
Bonus: EIN-Only Fuel + Store Cards
-
Sam's Club Store Card: Apply in-store (Business + EIN-only route). Needs strong DUNS/fundability.
-
Shell Fleet Card: fleetcards.shell.com. Reports to D&B and Experian (EIN + matching info).
Tier 1 Vendor Master List
Use these vetted Net 30 vendors to start building tradelines that report to business credit bureaus.
ULINE
Reports to: D&B | Website: uline.com
Shipping & packaging.
Tip: Call after first order to request Net 30.
Quill
Reports to: D&B | Website: quill.com
Office/janitorial/school supplies.
Tip: Place 2 prepaid orders, then request Net 30.
Summa Office Supplies
Reports to: Experian | Website: summaofficesupplies.com
Digital products/office materials.
Grainger
Reports to: D&B | Website: grainger.com
Safety/industrial tools.
Tip: Apply online/phone; request Net 30.
Creative Analytics
Reports to: Equifax | Website: creativeanalyticsdc.com
Digital marketing/courses.
Nav (Business Credit Monitoring)
Reports to: D&B/Experian/Equifax (paid plan) | Website: nav.com
Business Boost reports as a tradeline.
How to Use These Vendors
- Ensure your business is fundable (Module 1 checklist completed)
- Choose 2–3 vendors from the list
- Place a small order ($50–$100)
- Pay your invoices early (within 10–20 days)
- Check your credit profile in 30–45 days for reporting
Minimum Goal: Get 3–5 active tradelines reporting before advancing to Tier 2. Keep using your Business Credit Tracker to monitor each account.
Banking & Credit Profile Fixes
-
8Open a business bank account (Relay, Novo, or Bluevine) using your business name, EIN, and address to match records.
-
9Ensure you have at least 2–3 Net 30 vendors reporting (Uline, Quill, Summa, Grainger, Nav, etc.).
-
10Monitor your credit file: Use Nav.com to check your PAYDEX & Experian Biz and keep data consistent. Since you will have Nav anyway get their prime account as it reports automatically and you don't have to do anything.
Ready to Build Your Business Credit?
Follow this checklist step-by-step to establish strong vendor relationships and build business credit the right way.
Visit simplegrowthcode.comStart building fundability today!
Business EIN Banks & Vendors Live List
Access verified banks, vendors, and lenders that approve using only your Business EIN
Looking for EIN-Only Funding?
Looking for banks, vendors, and lenders that approve funding using only your Business EIN (Employer Identification Number) — no personal credit required?
We've built a live funding repository with verified banks, vendors, and lenders that offer:
EIN-Only Business Credit
Build credit strictly under your business entity without personal guarantees
No Doc / Soft Pull Options
Get approved without extensive documentation or hard credit pulls
Vendor & Bank Lines of Credit
Access revolving credit lines from trusted vendors and financial institutions
Term Loans & Business Credit Cards
Secure term loans, business credit cards, and more funding options
Perfect for Business Owners Who Want To:
- Build credit strictly under their business entity
- Separate personal and business finances
- Access real funding opportunities without personal guarantees
Unlock $25K–$100K in Unsecured Business Credit
Most new LLCs can qualify for $25K–$100K in credit lines within just a few months—no income verification required.
Business credit works like personal credit: stronger scores attract pre-approved offers from major banks like Amex, Chase, and Citi. In the beginning, approvals usually come as business credit cards (5–12% rates, not reported to personal credit).
Tip: Report realistic revenue projections ($250K–$499K, 2–5 employees) and count part-time years in business to strengthen your profile.
With the right setup, established companies can secure six-figure funding in weeks—fueling marketing, expansion, or investments.
Bottom line: Know what lenders look for, apply strategically, and you can scale faster with other people's money.
Download the LIVE LIST Now!
See which banks, vendors, and lenders are ready to fund your business
Get the Backyard Banks RepositoryInstant access to verified EIN-only funding sources
What's Inside the Repository?
-
Bank Names: Complete list of financial institutions offering EIN-only funding
-
Loan Types: Business Lines, Business Credit, Term Loans, and more
-
Docs Required: Know exactly what documentation you need (or don't need!)
-
State Availability: See which states each lender operates in
-
Verified Sources: All listings are verified and regularly updated
Ready to Access EIN-Only Funding?
Get the complete live repository of banks, vendors, and lenders now
Download Backyard Banks RepositoryVisit simplegrowthcode.com
Start building business credit today!
Unfundable Fixer GPT™ Demo + Walkthrough
Your business's personal audit assistant
The Unfundable Fixer GPT™ is your business's personal audit assistant. It simulates the fundability checks lenders use — and then gives you a customized Fix Plan Blueprint™ to clean up red flags and improve your approval odds.
STEP 1: ACCESS THE GPT
To launch the GPT:
- Go to ChatGPT - UNFUNDABLE FIXER™
- Make sure you're logged into ChatGPT (Works on both free and pro account. For faster outputs, use a pro account)
STEP 2: WHAT YOU NEED TO HAVE READY
You don't need paperwork — but be ready to answer a few business setup questions:
- Your business name, EIN, and entity type (LLC, Corp)
- Your business address, phone number, email
- Do you have a DUNS number?
- Do you have a business bank account?
- Is your email a Gmail or domain-based?
- Do you have a website?
- Are any trade lines reporting right now?
The GPT uses this data to simulate what lenders see.
STEP 3: RUN THE AUDIT
Once started, the Unfundable Fixer GPT will:
- Ask you structured questions based on lender checklists
- Detect common fundability issues — mismatches, missing accounts, red flags
- Assign you a Fundability Confidence Score™ (0%–100%)
- Deliver your Fix Plan Blueprint™ to help you repair the weak spots
STEP 4: INTERPRET YOUR SCORE
Your Fundability Confidence Score™ breaks down like this:
Green Zone
Ready to apply
Yellow Zone
Fix 1–2 key issues
Red Zone
Too many red flags to proceed safely
Don't panic if your score is low — the Fix Plan will tell you exactly what to do.
STEP 5: FOLLOW YOUR FIX PLAN BLUEPRINT™
You'll receive a downloadable checklist with action items to:
- Set up or update your business email, phone, or address
- Open a business bank account if missing
- Apply for a DUNS number
- Launch a website to improve business trust
- Add initial Net 30 vendors to start trade lines
Each Fix Plan is personalized to your situation. Complete as many items as possible before reapplying for funding.
BONUS FEATURES
- Re-run the GPT every 30–60 days as you fix your profile
- Use alongside the Funding Matcher GPT™ to maximize match accuracy
- Share your Fix Plan with a coach or team if you're working together
SUPPORT + TROUBLESHOOTING
- GPT not responding? Refresh and relaunch it after signing in again
- Still need help? Contact support
The Unfundable Fixer GPT™ gives you what lenders won't — clarity. Run your audit, fix what's broken, and get your business profile looking like money on paper.
Let's fix it. Let's fund it.
Ready to Audit Your Business?
Launch the Unfundable Fixer GPT™ now and get your personalized Fix Plan Blueprint™
Launch Unfundable Fixer GPT™Visit simplegrowthcode.com
Get fundable. Get funded.
White Label Landing Page & Training System
Your Complete Done-For-You Business in a Box
Launch Your Business in 48 Hours
Everything You Need to Start Earning - Fully Automated, Tested, and Ready to Go
What's Included in Your White Label Package
Get a complete, turnkey business system that's already proven to generate revenue. Focus 100% on sales while we handle all the technical delivery, support, and automation.
Start Seeing ROI Within Weeks - Not Months!
Your Complete Business System
Full Professional Website
- Custom branded design with your logo & colors
- Mobile-responsive for all devices
- SEO-optimized for Google rankings
- SSL security certificate included
High-Converting Landing Page
- Pre-tested sales copy that converts
- Professional video integration
- Call-to-action buttons optimized for clicks
- Lead capture forms & email integration
Complete Training Dashboard
- All 8 training modules ready to deliver
- Progress tracking for your clients
- Member login & access control
- Your branding throughout the platform
Payment Processing Integration
- Stripe & PayPal ready to accept payments
- One-time payments & subscriptions
- Secure checkout pages
- Automatic invoicing & receipts
Automated Upsell System
- Smart upsell funnels built-in
- Order bumps & one-click upgrades
- Email sequences for abandoned carts
- Maximize revenue per customer
Pre-Tested Ad Campaigns
- Facebook & Instagram ad templates
- Google Ads campaigns ready to launch
- Proven ad copy & creative assets
- Targeting strategies that work
Email Marketing System
- Pre-written email sequences
- Automated welcome & onboarding emails
- Nurture campaigns for leads
- Integration with major email platforms
Full Technical Support
- We handle ALL technical delivery
- Client support included - we respond
- Platform updates & maintenance
- Hosting & security managed for you
You Focus on Sales - We Handle Everything Else
No Coding
Zero technical skills needed
No Design Work
Everything is done for you
No Support Headaches
We handle your clients
Your Path to Profitability
Start seeing returns within weeks, not months
Setup Complete
Your fully branded website, training dashboard, and payment system are live and ready to accept customers
Launch Ad Campaigns
Deploy pre-tested ad campaigns on Facebook, Instagram, and Google using our proven templates and targeting
First Sales & Revenue
Start generating your first sales and upsells as traffic converts through your optimized funnel
Scale & Grow
Increase ad spend, scale profitable campaigns, and watch your business grow on autopilot
Investment & Pricing
LIMITED TIME OFFER EXPIRES IN:
This special pricing is locked to your IP address and expires in 72 hours!
One-Time Setup Fee
$2,997
$1,498.50
SAVE 50% - $1,498.50 OFF!
Includes complete website, training dashboard, payment integration, and initial setup
Monthly Platform Fee
$297/month
$97/month
SAVE $200/MONTH!
Covers hosting, support, maintenance, updates, and client management
72-Hour Special Pricing - Regular price $297/mo applies after timer expires
Limited Time Bonuses - Act Now!
-
$1,500 Vacation to Select Destinations
Choose from luxury resorts worldwide - your reward for taking action!
-
Direct 1-on-1 Consulting Access
Personal phone number revealed upon order - direct line to expert guidance
-
ALL Monthly Fees WAIVED for 1 Full Year
$1,164 value - Pay nothing monthly for 12 months when you order now!
Total Bonus Value: $2,664
These bonuses expire when the countdown reaches zero!
Real Results from Real Clients
Sarah M.
Business Coach
"Made my first $10K in the first 6 weeks. The system just works!"
$10,127
First 6 Weeks
Marcus T.
Marketing Consultant
"Scaled to $25K/month in 90 days without any technical headaches."
$25,000/mo
Month 3
Jennifer L.
Credit Repair Specialist
"Best investment ever. ROI in less than 2 months!"
$18,500
First 60 Days
Ready to Launch Your Business?
Get everything you need to start earning in 48 hours or less
Get Started Now30-Day Money-Back Guarantee
Risk-free investment in your business future
🎁 Bonus Module: Funding Matcher GPT™ Demo + Walkthrough
The Funding Matcher GPT™ — our AI-powered lender matching tool that recommends EIN-only cards, soft-pull lenders, and other funding sources based on your actual business profile. No guesswork. No endless searching. Just funding options that fit you.
📍 STEP 1: ACCESS THE GPT
To launch the GPT:
Go to: ChatGPT - FUNDING MATCHER™
Raw URL: https://chatgpt.com/g/g-6811cd35c8508191aa483d4d09715fb9-funding-matchertm
Make sure you're signed into ChatGPT (Works on both free and pro account. For faster outputs, use a pro account)
✉️ STEP 2: WHAT YOU NEED TO HAVE READY
Before starting, gather the following:
- Your business name and EIN (no SSN required)
- Business address, phone, and email
- Entity type (LLC, Corporation, etc.)
- Monthly revenue estimate (range is okay)
- Number of employees
- Years in business (approximate is fine)
- Your current trade lines (if any)
- Whether you've been denied before
This info allows the GPT to personalize your results accurately.
🔍 STEP 3: START THE MATCHING PROCESS
Once the GPT starts, it will walk you through the following:
- Ask questions about your business setup
- Verify fundability basics (address, email, DUNS, bank account)
- Ask about credit score or credit sensitivity (so it knows what type of lenders to show)
- Offer matched lender types:
- Net 30 vendor accounts
- EIN-only credit cards
- Revenue-based funding
- Fuel cards
- Microgrants or fintech funders
🎯 STEP 4: RECEIVE YOUR CUSTOM MATCHES
At the end of the conversation, you'll receive a short list of lenders, cards, or programs categorized by type:
- ✅ Name of funder
- ✅ Funding type (EIN-only card, vendor, grant, etc.)
- ✅ Link to apply or learn more
- ✅ Basic approval requirements
- ✅ Tips for applying successfully
Example Output:
"You may qualify for the Divvy Business Card — no PG, soft pull, based on cash flow. Learn more at: [link]"
⚖️ STEP 5: HOW TO APPLY STRATEGICALLY
- Don't apply to all funders at once
- Prioritize EIN-only or soft-pull lenders first
- Apply to 1–2 based on your readiness (use the Pre-App Checklist)
- Wait for results before applying again
💡 BONUS TIPS
- Re-run the GPT every 30–60 days as your fundability improves
- Pair it with the Unfundable Fixer GPT™ for better matches
- Use it before every Credit Stacking cycle to plan which apps to include
🆘 SUPPORT
If you need help using the GPT:
- Ask the GPT a question directly
- Contact support
This tool is built to save you time, money, and frustration.
Use it consistently and strategically — and it'll help you unlock real funding faster than doing it alone.
Launch Funding Matcher GPT™ →Let's get you matched. Let's get you funded.