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.
Free assessment · No SSN required to apply · EIN-only path available
Student Loan Relief
🎓 Escape the Student Loan Trap
We evaluate every federal repayment, forgiveness, and discharge program available to you — IDR, PSLF, Borrower Defense, Total & Permanent Disability, and more — and build a personalized action plan to reduce or eliminate your balance.
$299 one-time assessment fee
🔍
Full Loan Audit
We pull and review all your federal loan data to find overlooked forgiveness opportunities.
📋
IDR & PSLF Enrollment
We handle the paperwork to enroll you in the right income-driven plan or PSLF track.
⚖️
Discharge Evaluation
We assess your eligibility for Borrower Defense, school closure discharge, and disability discharge.
📞
Servicer Advocacy
We communicate with your loan servicer on your behalf so you don't navigate bureaucracy alone.
Federal student loans only · No income minimum · All repayment programs considered
Net-30 Vendor Accounts
🛒 Build Trade Lines That Banks Actually See
Net-30 accounts are the fastest way to establish business credit when you have no history. We open 5+ vendor accounts in your business's EIN that report directly to Dun & Bradstreet — no personal credit check required.
🏢
EIN-Only Approval
No SSN, no personal guarantee. These accounts live entirely on your business's credit profile.
📈
D&B PAYDEX Reporting
All accounts report to Dun & Bradstreet so every on-time payment counts toward your score.
⚡
Fast Turnaround
Most accounts are approved within 1–3 business days. Start building your PAYDEX history immediately.
🔗
Stacks Into Full Program
Net-30s are Phase 1 of our Business Credit program — they unlock Tier 2 business cards.
LLC or Corp required · Must have active EIN · Pairs with our Business Credit program
Partner Network
🤝 Earn While You Refer
Real estate agents, mortgage brokers, insurance professionals, and financial coaches — turn client referrals into a recurring income stream. Every client you send who enrolls puts commission in your pocket.
$79 / year membership
💰
Paid Per Enrollment
Earn a commission for every client you refer who completes enrollment — tracked through your personal link.
📊
Partner Dashboard
See every referral, their current stage, and your pending commission balance in real time.
🏷️
Co-Branded Materials
Get a personal referral link and shareable content you can forward to prospects instantly.
🏠
Ideal for Real Estate
Help pre-approval-blocked buyers get credit-ready — and be their first call when they're ready to buy.