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Why Business Credit? And wtf is it
banks rely on lending money at interest to make profits. Because lending to businesses involves larger capital allocations and higher returns thanpersonal credit resulting banks provide higher limits and access to funding to qualified business entities.
Personal (if you took out a loan for urself) vs. Business Credit
โข Personal: Limited growth potential, typically capped around $50k.
โข Business: Access to $$500,000+ with proper execution across multiple phases.
2. Making Your Business โFundableโ
Before applying for financing, the business must meet specific funding criteria.
Low-Risk Industry: YOU WANT TO APPEAR AS LOW RISK so use Use low risk designations such as:
โข โConsultingโ
โข โMarketingโ
โข Adding โSolutionsโ to the LLC name
Contact & Address Details:
โข Get a 1-800 number from GoDaddy.
โข Establish a physical office location using services like Opus Office that report to business credit agencies.
โข Do not use residential addresses.
Make sure to maintain a professional website and active social media accounts, such as Instagram.
Register ur business in 411 business directories.
UR LEGAL SETUP SHOULD BE:
โข File for an LLC
โข Obtain Articles of Incorporation
โข Register for an EIN (tax ID number)
Banking and Credit OPSEC
โข Open a dedicated business bank account and maintain regular cash flow (via consistent transferring)
โข Register for a DUNS number from Dun & Bradstreet IMPORTANT
โข Monitor credit scores including the SBSS score from Nav
Building Business Credit Tiers
Nigga u made it to level 1 congrats here we go
1) Net-30 Vendor Accounts
Basically just establish trust with lower level vendor accounts that report monthly payments.
Open at least 5 Net-30 accounts, such as:
โข Nav
โข Opus Office
โข Granger
โข Uline
โข Quill
Spend approximately $50 per month per account and pay off balances early, within 15 days, to maximize the Paydex score.
Repeat for 2 Monthes
Level 2: store Credit Cards
Get store-specific lines of credit with $10k to $20k limits
Examples are
โข Home Depot
โข Costco
โข Best Buy
(I think Starbucks has one asw)
Keep funds revolving through inventory purchases or manufactured spending.
Do this for approx 3 months
Tier 3: Chad business cards
The objective is to access high-limit business credit cards and lines of credit of $30kโ$80k+ per card.
Examples:
โข Chase Business Ink
โข Amex business cards
โข Bank loans
For these you need
โข Verified Profit & Loss (P&L) statements
โข Business bank statements
โข Strong cash flow
4. Advanced Strategies AND Credit Stacking
Aged Corporations METHOD: Purchasing 2 yr old aged shelf corporations to skip waiting period
Inquiry Stacking: Applying for loans across multiple banks simultaneously leveraging the fact that different banks pull from different credit bureaus.
For example:
โข Navy Federal โ TransUnion
โข Chase โ Experian
This means inquiries do not immediately block approvals.
One tax advantage u already get is utilizing business expenses and strategies such as sale-leasebacks to legally write off operational costs.
FINALLY
YOU GET A LEAST 200K
I WOULDNT ADVICE BLOWING IT SO HERES 5 IDEAS YOU COULD DO WIT IT
BECAUSE capital must be put into income-generating businesses to avoid debt accumulation.
1. Content Creation / Influencer: Leverage high video quality, calculated risks, personality, or high-value educational content since u can rent out luxury cars now
2. Clothing Brands: Utilize ad spend to keep capital revolving while scaling sales (donโt reccomend)
3. Turo Car Rental: Rent out vehicles through Turo. using Turoโs 60/40 protection plan to mitigate vehicle damage risks.(dyor)
4. Window Tinting / Vehicle Wrapping: Low-barrier, service-based business with low overhead and reliable demand.
5. Box Truck / Distribution Routes: Purchase bread or local delivery routes, including $100k route investments, for steady, economic-recession-resistant cash flow. (Highly reccomend)
banks rely on lending money at interest to make profits. Because lending to businesses involves larger capital allocations and higher returns thanpersonal credit resulting banks provide higher limits and access to funding to qualified business entities.
Personal (if you took out a loan for urself) vs. Business Credit
โข Personal: Limited growth potential, typically capped around $50k.
โข Business: Access to $$500,000+ with proper execution across multiple phases.
2. Making Your Business โFundableโ
Before applying for financing, the business must meet specific funding criteria.
Low-Risk Industry: YOU WANT TO APPEAR AS LOW RISK so use Use low risk designations such as:
โข โConsultingโ
โข โMarketingโ
โข Adding โSolutionsโ to the LLC name
Contact & Address Details:
โข Get a 1-800 number from GoDaddy.
โข Establish a physical office location using services like Opus Office that report to business credit agencies.
โข Do not use residential addresses.
Make sure to maintain a professional website and active social media accounts, such as Instagram.
Register ur business in 411 business directories.
UR LEGAL SETUP SHOULD BE:
โข File for an LLC
โข Obtain Articles of Incorporation
โข Register for an EIN (tax ID number)
Banking and Credit OPSEC
โข Open a dedicated business bank account and maintain regular cash flow (via consistent transferring)
โข Register for a DUNS number from Dun & Bradstreet IMPORTANT
โข Monitor credit scores including the SBSS score from Nav
Building Business Credit Tiers
Nigga u made it to level 1 congrats here we go
1) Net-30 Vendor Accounts
Basically just establish trust with lower level vendor accounts that report monthly payments.
Open at least 5 Net-30 accounts, such as:
โข Nav
โข Opus Office
โข Granger
โข Uline
โข Quill
Spend approximately $50 per month per account and pay off balances early, within 15 days, to maximize the Paydex score.
Repeat for 2 Monthes
Level 2: store Credit Cards
Get store-specific lines of credit with $10k to $20k limits
Examples are
โข Home Depot
โข Costco
โข Best Buy
(I think Starbucks has one asw)
Keep funds revolving through inventory purchases or manufactured spending.
Do this for approx 3 months
Tier 3: Chad business cards
The objective is to access high-limit business credit cards and lines of credit of $30kโ$80k+ per card.
Examples:
โข Chase Business Ink
โข Amex business cards
โข Bank loans
For these you need
โข Verified Profit & Loss (P&L) statements
โข Business bank statements
โข Strong cash flow
4. Advanced Strategies AND Credit Stacking
Aged Corporations METHOD: Purchasing 2 yr old aged shelf corporations to skip waiting period
Inquiry Stacking: Applying for loans across multiple banks simultaneously leveraging the fact that different banks pull from different credit bureaus.
For example:
โข Navy Federal โ TransUnion
โข Chase โ Experian
This means inquiries do not immediately block approvals.
One tax advantage u already get is utilizing business expenses and strategies such as sale-leasebacks to legally write off operational costs.
FINALLY
YOU GET A LEAST 200K
I WOULDNT ADVICE BLOWING IT SO HERES 5 IDEAS YOU COULD DO WIT IT
BECAUSE capital must be put into income-generating businesses to avoid debt accumulation.
1. Content Creation / Influencer: Leverage high video quality, calculated risks, personality, or high-value educational content since u can rent out luxury cars now
2. Clothing Brands: Utilize ad spend to keep capital revolving while scaling sales (donโt reccomend)
3. Turo Car Rental: Rent out vehicles through Turo. using Turoโs 60/40 protection plan to mitigate vehicle damage risks.(dyor)
4. Window Tinting / Vehicle Wrapping: Low-barrier, service-based business with low overhead and reliable demand.
5. Box Truck / Distribution Routes: Purchase bread or local delivery routes, including $100k route investments, for steady, economic-recession-resistant cash flow. (Highly reccomend)
