No personal credit required. We guide your business through a proven 6-step system to
open credit files with D&B, Experian, and Equifax — then stack Net 30 accounts,
revolving cards, and bank funding on top.
Step 1
🏗️ Foundation
EIN, 411 listing, consistent business name & address across all records.
Step 2
🏦 Banking & Capability
Dedicated business bank account. Business phone, email, and web presence.
Step 3
📊 Credit Agencies
DUNS number + open files at D&B, Experian Business, and Equifax Small Business.
Step 4
🛒 Net 30 Vendors
5+ vendor accounts using EIN only — paid early to spike your PAYDEX score.
Step 5
💳 Revolving Cards
3 business credit cards reporting to bureaus. Low utilization = high scores.
Step 6
💰 Bank Funding
Unlock SBA loans, unsecured lines of credit, and equipment financing.