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"Build Business Credit and Get Loans, Leases, and Lines of Credit with No Personal Guarantees or Credit Checks"This 4 tier, 28 step system can get you $2,500 then $10,000, then $50,000, even $250,000+ in financing for your business!
The 4 Tier Business Financing System will help get you:
--------------------------------------------------------------------------- Why Business Owners are Being Turned Down for Business Credit, Loans, and FinancingBusiness owners quickly realize that applying for business credit is a much more complicated process than applying for personal credit. Applying for business credit requires careful preparation and demands that you understand the process and what it takes to qualify. The first key is learning to build a “Business Credit Profile” and to understand the business credit process, thereby greatly improving your chances of getting approved for your business credit. These are the top mistakes most business owners make when attempting to establish and find business credit.
The one underlying problem these business owners are making is not looking at their business as a separate entity from them personally. The business has to be able to "stand on its own two feet" regardless of the business owner. Most Small Businesses are Initially Financed by the Personal Savings, Assets, and Credit of the OwnersBusinesses can rapidly reach a stage of growth where they are forced to seek credit or investment solutions to fund that growth. Many times the business owner will turn to their personal assets in order to finance their business. This isn't necessary and can actually damage the business and even the personal life of the business owner! The Problem - Lack of Separation Between the Business and the Business OwnersDid you know that, as an entrepreneur, you have a unique opportunity to build, maintain and acquire credit both individually and as a business? Yes, it’s true, entrepreneurs do not have to rely solely on their personal credit to start and grow their business. Fewer then 10 percent of entrepreneurs know about or truly understand how business credit is established and tracked; and how it affects their lives and businesses. So let's take a look at how personal credit differs from business credit. Then we'll discuss some steps you can take to build your business credit to get financing for your business. Differences Between Personal and Business CreditAt the point an individual with a social security number accepts their first job or applies for their first credit card, a credit profile is started with the personal credit reporting agencies. The profile (credit report) is built from there with every credit inquiry, credit application submitted, change of address and job change. The information is typically reported to the credit bureaus by those issuing credit. Eventually, the credit report becomes a statement of the individual’s ability to pay back a debt. In some cases, the same is true for businesses. When a business issues another business credit, it is known as trade credit. Trade, or business, credit is the single largest source of lending in the world. The business, however, first obtains a Federal Identification Number or (EIN) from the IRS. The name, address, and EIN number then track the company’s credit.
The business credit bureaus use this compiled data about your company to generate a report. Those issuing credit in many cases will rely on a business credit reports to determine if they will grant credit and how much credit to give. By applying for credit under your business and not having first established a business credit profile and score, you can waste lots of time, money, and resources.Business credit scores range from 0 to 100 with 75+ being considered excellent credit, while personal credit scores range from 300-850 with a 680+ being excellent credit. It is important to know that many things can affect a credit score other then just paying your bills on time. In fact, the trap most business owners get into is using their personal information to apply for business credit, leases and loans. By doing so, they risk having a lower personal credit score and at the same time not building their business score The key is to find companies that will establish credit for your business without using your personal credit information and then report the payment experiences to the Business credit bureaus. By reporting the information a business credit profile will be established. The business credit profile can be established as a Sole Proprietorship or Partnership in addition to a Corporation or LLC. However, with a Sole Proprietorship or Partnership the owner’s personal credit information may be included on their business credit report and vice-versa. In addition, as a Sole Proprietor or Partner in a Partnership you are personally liable for the debts of the business and all your personal assets are at risk in litigation. Corporations and LLCs on the other hand afford the business owner liability protection and a separate credit profile can be built. The owners may apply for credit under the business and obtain credit without a personal credit check or guarantee, if the credit grantor will do so. Our company, Business Credit Services, has researched the trade credit market over the last five years and found that there are thousands of companies that will do this if asked. The Solution - These 6 Steps Will Help You Access Endless Amounts of Capital for Your BusinessAlmost every business at one point will need some type of credit. To lower the risk of using your personal credit and guarantees and obtaining the best possible terms, start the steps necessary to build a business credit profile separate from your personal credit report. Then you can build on that solid foundation to achieve higher levels of financing. Step 1 - Prepare Your Business with a Corporate Compliance Check™Our business focuses on getting companies in compliance with the trade credit market and matching companies seeking credit with those granting credit. It is extremely important for businesses to meet all requirements of the credit market in order to ensure a higher likelihood of an approval. In fact, not being in compliance with the credit market can cause red flags with credit bureaus and grantors. The red flags are simple things such as not having a business license or phone line. Most businesses will not grant credit to another business that has not taken the steps to set the company up with the proper licenses and local, state and federal requirements. One of the business credit bureaus states on their website they do over 2,000 manual and automated checks on a business. Is your business ready to pass this test? If you fail, it could prevent you from ever getting financing under your business again!We have spent over 10 years researching these secret checks of the business credit bureaus, lenders, and credit grantors. Some of the basics of compliance are: Have a businessForm a Corporation or L.L.C. to operate your business under and obtain a Federal Tax Identification Number with the I.R.S. As a business owner you need to protect your personal assets from the business. You also need to separate your personal credit completely from the business credit. You can do this by forming either a Corporation or Limited Liability Company. Many people think that just because they are a single person or family, rather than a large business, that incorporating is not for them. Wrong! Incorporating can offer you and your business many advantages! A corporation is a legal entity created separately from those who own and operate it. As a separate entity, the corporation's debts and taxes are separate from its owners (shareholders), thereby, offering the greatest personal liability protection of all business structures. Corporations can also be used to own real estate, automobiles, yachts, or aircraft while providing health and life insurance, retirement benefits, and expense accounts. The following are the primary reasons individuals incorporate their businesses.
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The list goes on and on...but we share it with you as part of our system. Step 2 - Register With the Business Credit BureausThere are a few major business credit reporting agencies in the United States that the majority of lenders look to for information about your company’s credit profile. You will want to establish a presence with these companies. Once you have a number of businesses reporting your company’s payment experiences, a credit score will be established. Just as an individual has a credit score and profile, so will your business. Remember, you will want to have a profile with ALL of the business credit bureaus. Who are the business credit bureaus?
How do they rate company’s credit?
Lenders and credit grantors may look at one or many of your profiles and scores with these business credit bureaus and will affect whether or not you are approved! *Special note - You DO NOT need to pay the business credit bureaus in order to have a profile. We give you a step by step tutorial for registering as part of our system. Step 3 - Establish Initial Business Credit with Tier 1 Credit Grantors
Do not take any short cuts or work with companies that ‘sell a trade reference’. Stay away from companies that sell trade references. These companies offer to sell you a trade reference for say $1,000,000 and will then report favorably to the credit bureaus, in exchange for a small fee, (typically 5% - 20% of the amount of the trade reference). This practice is illegal and should be avoided. Our system will provide you with a list of vendors that provide business credit. From the list of vendors you will have access to those who issue credit without asking you for your personal guarantee or running a business or personal credit check. To find these types of companies is extremely difficult, because they are so rare. They are rare because no one wants to be the first to issue a business credit.You will need at least 6 of these vendors or trade references. The amounts of these credit lines will be in the $500 to $5000 range. Once you have established favorable trade references by paying your bills on time, there are many lenders and retail credit card companies that will extend credit to you. The key is that these companies report to the business bureaus and not your personal credit report. Step 4 - Build Business Credit with Tier 2 Credit Grantors
It will be okay for them to check your business credit because you have trade references from the Tier 1 process. Tier 2 credit grantors will also report to the business credit bureaus. These credit grantors will be issuing you credit in the $5000 to $50,000 range. Our system will help you apply for the right credit with the right companies and will take the guesswork out of the process. Step 5 - Access Cash Credit with Tier 3 Credit Grantors
Warning! Do not approach a lender until you have already developed your business credit profile. What do Tier 3 credit grantors look for when granting a loan?
Leases are very similar to loans in what the lending institution will look for. In fact many leases such as office equipment leases are fairly easy to obtain some without a personal guarantee. An exciting fact that many business owners don't know is there are a few exclusive Tier 3 lending and leasing programs available that do not require a personal guarantee. In many cases Tier 3 lenders... won't need to see a business plan and can finance you from $50,000 to $250,000.If you wish to achieve these levels of financing, we have a network of exclusive Tier 3 lenders and we provide a list of these contacts as part of the system. Each of these sources has different criteria to approve a loan. Some are more flexible than others, so it is advisable to work with our network, other than just going to a local bank. Step 6 - Achieve Financing of $250,000+ with Tier 4 Credit Grantors
In the process of obtaining a Tier 4 credit it is critical that you first carefully prepare the proper documentation. In order for a lender to even consider extending you $250,000+ in credit, they must first understand your business and your need for financing. Most business owners apply first and prepare later. However not having the proper documentation is where most businesses fail and why they get declined. Do not approach a lender until you have already developed your business credit profile and have a well thought out and documented business plan. This plan must clearly state: the purpose of the loan, exactly how the money will be used, the amount of money you need and for how long, and how you will repay it and when. It will also need to be presented the way the lenders want to see the loan package. Your “Loan Request” must include the following:
We have the resources available to write and prepare your business plan and loan request for you at an additional fee. However, our system provides you all the details you will need to know and where to go for Tier 4 credit.
Finding These Credit Grantors Isn't EasySo, to successfully open initial credit accounts, you’ll need to work with companies that will be willing to open accounts with your business, even though you may have no business credit history. You need these initial - or Tier I - vendors to perform no business credit checks, no personal credit checks, and require no personal guarantees; but still approve your company for credit! Then, you need these same companies to also be among the relatively few companies out there who will report positive payment experiences to the credit bureaus. This can be a challenge, because most vendors won’t consider opening a credit account with a company unless they already have a credit history. Also, over half the companies out there do not report to business credit bureaus at all. And of those that do, most only report negative information (Like when someone doesn’t pay on time). When a company grants your business credit be certain that the payment experiences you have are reported to the BUSINESS credit bureau to help build your business credit report and financial foundation on your company. The Secret Keys to Success - Why You Can't Do This On Your OwnBusiness credit is widely used but extremely misunderstood. Why are are there so many mysteries surrounding business credit? These seven reasons may just shed some light for you:
It can literally take hundreds of hours of research to find all this. It took us 10 years! Even if you think you have the correct process, one wrong step can cost you future financing. So who is in your corner? Not the government...Not the lenders...Certainly not the credit bureaus...We Are! The Credit Grantors and Business Credit Agencies Work in Their Own Best InterestsWe work in YOUR best interests. The business credit agencies are going to err on the side of those checking your reports. That means if something doesn't look exactly in line with their criteria, they are going say, "THIS COMPANY (YOU) IS NOT CREDIT WORTHY, DON'T ISSUE THEM CREDIT." Don't let this happen to you! What If You Need the Cash Now?In most cases, business owners who are desperately seeking financing and need it NOW fall into two categories:
For those of you in the #2 category, throwing more money at the problem won't fix it. Back up, re-evaluate, and begin building a solid financial foundation by using our system and learn from past mistakes. A lender will not lend you money if your company is in financial trouble. For those of you in the #1 category, we are the solution to your problem. The only issue is, you didn't start our system soon enough. You may still have time to reach Tier 3 or Tier 4 levels to meet your goals for the current opportunity. If not, get started building a foundation now for the next big opportunity. You Must Follow the System, Step-By-StepThere is no shortcut to achieving the levels of financing created by our system. Many business owners are trying to skip ahead to get to the big levels of financing. They haven't taken the steps necessary to show their business is a worthy credit risk. Put yourself in the shoes of a lender. Start thinking like they do. Our system makes this easy for you. Simply follow the easy step-by-step instructions. The 4 Tier, 28 Step Patent-Pending System With Instant Access
Here’s how it works. You will establish a clean business credit profile so the credit reporting agencies don’t put your business on the No Credit list. And getting your business placed on the No Credit list happens quite often to business owners who don’t understand the system. There are many steps that need to take place before you start out to seek financing. Which is why we provide this detailed system. Next, we help you build a business credit score. We want to establish a credit score of 75 or better. In comparison a business credit score of 80 is like having a personal credit score of 800, that’s excellent credit. How you build the credit score is by your company having established trade references. And for most businesses it’s very difficult to find someone willing to grant credit with no personal guarantee and without any previous credit history. If you have your own trade references, great, you will work with them to build the score. However, most businesses need additional trade references that will grant credit and report to the credit agencies. So what we have done is called around the country and researched companies and credit cards that will issue credit with no personal guarantees and without looking at your personal credit history and report to the largest credit reporting agency. In fact, our goal in the next 30 days is to have in excess of $10,000 in open lines of credit under your business name. You might ask, “why would these companies issue credit to someone they don’t even know”? The most important reason is because they feel that if you are working on building your business credit, it is in your best interest to pay them on time – which makes you a good credit risk. Once your company becomes credit worthy and has a great credit score of 75 or higher, then you can begin applying for credit cards, lines of credit, equipment leases, auto loans, and many times even buy real estate all under the business name and without a personal guarantee. It’s that simple. Do you see how this can benefit your business? It even gets better! Also included, in the 4 Tier Business Financing System is a full website describing how to implement all of the procedures necessary to get your business credit established and to discuss your ongoing credit needs and goals. In fact, you’ll get access instantly, that’s how efficient we are. After finishing the initial portion of the financing system, you will have access to our lending network to help find money and leases for businesses just like yours. In fact, the system will help you find which of the more than 100 different types of business loans would be best for you. And the best benefit of all, besides the actual credit itself, is the amount of education you will get from our web site. On the site you will have access to years of research including lists of credit cards companies, banks offering Visa/Mastercard with their requirements, numerous vendors and written reports on building your business credit. Don’t you wish you started this six months ago? The steps your business will go through:
About Our Company
David Gass is founder and President of Business Credit Services, Inc. and the SmallBusinessConsulting.com network. Business Credit Services was founded in October of 2000 and has a patent pending for a process that over 10,000 entrepreneurs have used to build their business credit. The company has helped entrepreneurs receive over $76 million dollars in credit and financing.David is author of the book "Building Business Credit for Business Owners", "Success Steps to Business Credit" and "43 Tips to Find Money for Your Business". He is also a co-developer of The Corporate Manager Software, designed to help manage corporations and limited liability companies. David has been featured on radio shows and business newspapers and magazines around the country. He is an entrepreneur, consultant, author, and sought after speaker on the subject of entrepreneurship, business finance and credit. He was recently name as a "Rising Stars of Business" by the Las Vegas Business Press and is a member of several committees on entrepreneurship and marketing for local high schools. As seen on:
Business Credit Services, Inc. is a real company with over 30 employees based in Nevada. How Our System Can Benefit YouWhen you apply for business credit or loans, most credit grantors look at your personal credit and the business credit profile to determine if they will make a loan, the amount and what the loan terms will be. For Example: You have an average personal credit history (FICO of 650) with no business credit profile and the business is approved for a loan of $100,000 on terms of 13% interest over 10 years. If there had been a favorable business credit profile the terms on the same loan might have been 7% interest over 10 years resulting in the savings of tens of thousands of dollars. Here is what you could save by having a Favorable Business Credit Profile:
Total Savings: $39,843.60 Whatever your financing need is, it is possible to obtain credit for your business. Poor credit, ok credit or good credit, getting the financing you’re looking for is a matter of knowing how to go about it and where to go. We intend to teach you how to go about it the right way, improve your chances of success, build your business credit profile, and be able to get credit on great terms. The 4 Tier Business Financing System will help you:
Features and Benefits of the 4 Tier Business Financing System:
Frequently Asked QuestionsWhat makes you different from other companies offering business credit building programs? Our 28 step process to build business credit is the only one that is patent-pending. We would have never filed an expensive patent application if our system didn't work! Over 10,000 businesses nationwide have achieved over $75 million in trade credit with our system. We were the first company in the nation to offer a business credit building system of this level. We also are the only company in the nation with a list of over 3,000 companies who issue trade credit (and we share the best ones with you as part of our system!). Why waste your time and money anywhere else? I haven't started my business yet. Will this work for me? You can go through the process of building your business credit on a new business. If you aren't sure of a name yet, simply form a corporation or LLC (how to do this is included in our system) with a general name (For example: Corporate Ventures, Inc.) and begin building your credit. When you are ready to do more business you will have the financial capacity in place! How can your system benefit me as a real estate investor? Use the power of corporate structures and credit to leverage your purchasing power. You will also reduce the use of your personal credit allowing you to utilize your excellent personal credit on the deals that matter. Do I have to form a corporation or LLC in order to build business credit? The business structures we recommend are ones that will provide limited liability from any business debt if personally guaranteed and is separate from the business owner. The corporation or LLC are two structures that allow this. We provide a great deal of information in our system to help you choose the proper structure. I have poor personal credit or bankruptcies, will this still work? No matter what your personal credit score, you will be able to build a business credit profile that is separate from your personal credit. Business owners need not rely on their personal credit to build their businesses. I have excellent personal credit, why would I need this? On the other hand, if you have good personal credit, you will want to limit the amount of times you use your credit in your business. If you use your personal credit too often you can lower your personal credit score. Will the business credit bureaus help me build my business credit? Some bureaus offer programs to help you build your business credit. However, it only applies to their bureau (credit grantors check profiles with multiple bureaus in order to approve you), you will need to still make sure your business is in compliance, and you will need to provide your own vendors that report. Not a great deal if you ask us. It seems they are setting you up for failure! I am a home based business, will this system work for me? Absolutely! Simply use your home address as your business address. Is it legal to get financing without a personal guarantee? Businesses are doing it every day. As long as you are seeking the financing in order to better your business and plan to pay it back, it is perfectly legal. What would my lawyer or CPA say about this system? We have found that the best lawyers and CPA's are recommending the exact same strategies we recommend. In fact, we have hired some of the best to help us develop the 4 Tier Financing System. If your CPA or lawyer recommends against separating your personal and business life then you may need to find a new one! Does this system really work? Yes. But don't take it from us. Read all the testimonials below. Our Clients Are Getting Financing!These are real amounts and real financing our clients are getting after using our system. All in the business name only!
Testimonials from Real Clients
Instructions On How to Get Started
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P.S. In this report we have shared with you how easy it is to get financing from $500 to $250,000+ all reporting to the business only . All you have to do is follow our 4 Tier, 28 Step Business Financing System. *You must qualify based on requirements of lender network.
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The business is going to need trade references that have given you a credit account and report your credit history to the credit reporting agencies. This can be one of the most difficult steps in the credit building process. 
Once you have established a presence with the credit bureaus and have a score, your business will be eligible for a larger number of business retail credit cards, trade credit accounts and lines of credit in most cases without the need for a personal guarantee or personal credit check. 
Tier 3 credit grantors are in the realm of lenders, banks, and leasing companies. These credit grantors with some financing programs (such as unsecured business credit lines) MAY be checking your personal and business credit scores. However, you will want to find lenders who will NOT report to your personal credit, but instead your business credit so you will be building your business credit and not hurting your personal credit. 
Tier 4 credit grantors are the ultimate level of financing. The companies issuing these levels of credit will need to see a very strong company with strong sales (or even potential strong sales) in the form of a professionally written business plan. We have provided a special book along with our system that will help you connect to this highly exclusive network of credit grantors, banks, private investment groups, venture capital firms, and angel investors. 
We have a program called the 4 Tier Business Financing System, which will help you obtain credit cards, leases, and often buy real estate without a personal guarantee. What we have done is take a normal 2-5 year process of seeking financing and compressed it to 3-6 months. 
So, what are the ways you can build a business credit profile and get financing?
You could wait. You could use your personal credit. Or you could use the Business Credit Services, Inc. "4 Tier Business Financing System."
In order to take advantage of this system, simply click the button below.