The Corporate Credit Build Up

“Check List” Guide Book

By Randolph M. Hirsch

West Side Media Group, Inc.

In Association with West Side Publishing Group, Inc.
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OTHER BOOKS AVAILABLE IN THIS SERIES
 CHAPTER ONE

Thank you for ordering and reading my E-Book. I’ve compiled a list of 25 TASKS
that I know of --- that every corporation should have established and completed
as soon as possible. I hope you make the best out of our book. During December
2019, the last two weeks around the Holidays I started assembling notes and
finally on January 1st released E-Books #2 (The Practice Builders Marketing
Developers Series for 14 categories of Professionals. Then E-Book #3 Start your
own Business and Personal Funding Business: Help people obtain loans and earn
$10K plus month from home part-time. Then E-Book #4 Start your own Aged
Corporations Re-seller business and Finally Book #5, this one. “The Corporate
Credit Build Up “Check List” Book. Our contact information is in the back of this
book, including our office phone number and email address. You may contact me
directly at any time and please, consider Joining my “Affiliate program” which
entitles you to discounts, sample agreements, brochures, five complimentary E-
Books, Individual Tradelines Inventory List, Primary Tradelines, order forms,
sample ads and ongoing support.
What Is Business Credit?
At some point in your journey as an entrepreneur, you’re sure to come across the term
“business credit.” However, if you’re like many business owners, you may wonder what
does business credit mean?

Business credit is a company’s ability to buy something now and pay for it later.
By establishing a good business credit rating, you make it easier to borrow money when
your company needs it.

Keep reading for a breakdown of how business credit works, how to get it, and the
benefits your company can enjoy when you establish a solid commercial credit rating.

How to Get Business Credit

The formula to earn solid business credit scores isn’t difficult to understand. Your
business needs to open commercial credit accounts and manage them well. But that’s
putting the cart before the proverbial horse, so to speak.

Before you try to open accounts for your company, it’s best to set up your business
properly so it will be in a better position to qualify for financing. The following five tips
can help:

Establish your business as a separate legal entity.

When you form a separate legal entity for your company (like an LLC or corporation) it
can make it easier to create a business credit file and, eventually, qualify for business
financing. It may also provide tax advantages and could protect you from some of the
personal liability you might face as a sole proprietor.

1. Register your business.

Depending upon where your business is located, you’ll likely have to register with your
Secretary of State. In many states, this is part of the incorporation process you will
complete when you set up your LLC or corporation. Nonetheless, it’s a good idea to
double-check with your Secretary of State to confirm you’ve completed all of the
necessary business registration requirements.
2. Request an Employer Identification Number (EIN) from the IRS.

An EIN is like a Social Security Number for your company. You’ll use it to identify your
business when you pay taxes to the IRS. An EIN is also important when you fill out
applications for business financing, like business credit cards and loans, and when you
open a bank account in your company’s name.

3. Open a business bank account.

Having a separate business bank account can make your company seem more credible
in the eyes of lenders. The health of a business is frequently measured by reviewing the
cash flow in and out of its business bank account. A business bank account can also
help you keep your corporate and personal finances separate – avoiding accounting
issues and challenges at tax time.

4. Get a dedicated business phone number.

You don’t have to sign up for an expensive phone service or invest in a pricey VoIP
phone system if your business doesn’t need it. However, getting a dedicated phone
number for your company is a must if you want to appear credible to lenders and
service providers (not to mention your customers). Remember to get your business
phone number listed in your local directory as well.

Types of Business Credit

Once you’ve put your business on the map by completing the four steps above, you can
start thinking about which accounts you want to open to establish your business credit
profile. Even as a startup, you have options.

Here’s a look at the four primary types of business credit your company can try to
obtain.

1. Installment Accounts
Commercial installment accounts are business loans where you borrow a fixed amount
of money. You repay the lender a fixed payment amount over a fixed period of time.
Notice the trend? Your interest rate is also fixed and doesn’t change from month to
month.

2. Revolving Accounts

The two main types of revolving credit you can open for your business are lines of
credit and small business credit cards. With revolving credit, you can borrow money
up to a preset credit limit. Once you pay down your balance, you’re free to charge up to
your credit limit again, as long as the account remains in good standing.

With a credit card, your business doesn’t have to pay back the full amount charged in a
given month. Rather, only a minimum payment is due. But it’s wise to pay off your full
account balance each month, even if it isn’t required. Doing so can help you avoid
expensive interest fees and keep your credit utilization rate low. Some business credit
scoring models will reward you for maintaining low utilization on your credit cards.

3. Charge Cards

Charge cards, like American Express, look like credit cards on the outside. But these
pieces of plastic work a lot differently than the credit cards you may be used to. With a
charge card, your company must typically pay the full amount you charge each month,
not simply a minimum payment like what’s required with a credit card.

4. Vendor Accounts

Vendor accounts, sometimes called net-30 accounts, let your company pay for products
and services after you’ve purchased them. You can buy now and pay later, typically
within 30 days. However, net-90, net-60, and even net-15 terms may be offered by
certain companies instead.

A vendor account can help you to stretch your cash flow. It may also add a positive
tradeline to your business credit report, provided the vendor reports to a commercial
credit bureau.
Personal Guarantees
With many types of business credit, you’ll need to sign a personal guarantee to open an
account. A personal guarantee makes you a co-signer for your business card or small
business loan. If your business fails to pay back its debt as agreed, you agree to be
held personally liable.

Good personal credit can be an asset and may help you qualify for business credit,
but you shouldn’t sign a personal guarantee without understanding the risks. You’ll be
putting your personal finances and credit on the line if your business can’t keep up with
its payments.

Business Credit Reporting Agencies

You’ve probably heard of the three major consumer credit bureaus – Equifax,
TransUnion, and Experian. But did you know that there are three major business credit
reporting agencies as well?

•Dun & Bradstreet

•Experian Business
•Equifax Business

Just like the consumer credit bureaus collect data about you personally, business credit
bureaus collect data about your company and how it manages its credit obligations.

Open Business Credit That Reports

When you open a business account, the creditor or vendor must report your account
activity to a business credit reporting agency before the account can help you establish
credit.

Need help finding accounts that report to the business credit bureaus? The
BusinessLauncher tool in your free Nav account can show you companies that report.

How Information Is Added to Your Business Credit Report

The business credit bureaus use information submitted by creditors and vendors (aka
data furnishers) to create credit files for businesses. Once you have a business credit
file with a commercial credit reporting agency, a business credit report on your company
can be created and sold to others who wish to review it.

Naturally, a vendor or lender might want to access your company’s credit report when
you apply for business financing. However, there are other reasons a company might
want to review your business credit as well.

Insurance companies, for example, may review your business credit when you apply for
a new policy. The condition of your business credit can even affect your insurance
premium. Businesses who are considering working with your company might also
review your commercial credit to assess the health of your business. They also could
look up information on your business through the Small Business Financial Exchange.

No Right to Privacy
Anyone can review your business credit reports for any reason. There’s no right to
privacy when it comes to corporate credit reports. The business credit bureaus can sell
your credit information to anyone they wish.

This is one more reason why working to establish and maintain strong business credit is
an important responsibility to add to your to-do list.

Business FICO Score

Your business has not one, but many credit scores. You’re probably familiar with FICO
Scores from personal lending. If you ever purchased a home, financed a vehicle, or
opened a credit card account, there’s a good chance your lender reviewed your
personal FICO Score as part of the application process.

FICO is dominant in the personal credit score marketplace. 90% of top lenders use
FICO Scores when making consumer lending decisions. Yet FICO Scores are very
relevant in the business credit score marketplace as well.
The FICO SBSS Score
The FICO LiquidCredit Small Business Scoring Service, also known as FICO SBSS, is
a popular credit score used by lenders and financial institutions to help predict risk when
businesses apply for financing. The FICO SBSS Score, with a range of 0 to 300, is a
hybrid score which considers both business and personal credit together. The higher
your score, the better your likelihood of making on-time payments to a business lender.

If you want to earn a decent FICO SBSS Score (and you should because lenders
commonly use it), you’ll need to focus on maintaining healthy credit reports – both
business and personal. On-time payment history, low credit utilization on credit cards,
and lengthier credit history are all factors that could potentially improve your FICO
SBSS Score. You can also check your FICO SBSS score with Nav’s Business Loan
Builder plan.

All Business Credit Scores Matter

Lenders issuing Small Business Administration (SBA) loans commonly use FICO SBSS
Scores. If your business applies for an SBA loan, your FICO SBSS Score typically must
be 140 or higher (often 160+) to be eligible for financing.

FICO SBSS is a popular credit score, used by more than 7,500 lenders around the
United States. Still, it’s not the only business credit score you need to monitor.

Different commercial lenders use different credit scores. As a result, you should keep an
eye on your business credit reports and other factors that can influence your many
different business credit scores.

You can’t control which credit score a lender uses to review your application. You can,
however, learn which factors affect your business credit scores in the first place. By
understanding the factors that shape your scores, such as payment history and credit
utilization, you can work toward building business credit reports which perform well
under the scrutiny of multiple business credit scoring models.
Benefits of Business Credit
Good business credit can pay off in many ways. Here are five great benefits your
company may be able to enjoy when you put in the effort to build your business credit.

1.Qualify for financing. A Nav survey reveals that 20% of small business
owners were turned down for business funding in the past five years. Although
credit isn’t the only factor lenders consider, good business credit scores can
improve your odds of approval the next time you fill out a business credit
application.
2.Save money. Good business credit can lead to lower insurance premiums,
better rates and fees, and smaller deposits when you take out a new lease or
service for your company. Solid business credit may also help you secure better
trade terms from suppliers. The opposite is true for bad credit scores.

3.Keep your personal finances and business finances separate. Separating

your credit can protect your personal credit reports and simplify accounting.
4.Shop for better business credit card and loan options. When your business
credit is in great shape, you can likely afford to shop around for the best rates
and offers different lenders have to offer.
5.Increase the value of your company. If you ever hope to sell your business
or attract investors in the future, a strong business credit profile can be a strong
selling point.

Ready to see where your business credit stands? Register for a free Nav account to
check your business and personal credit side by side.

When you first learn about business credit and how it works, it may seem like you have
a long way to go. But 45% of business owners don’t even know they have a business
credit score at all. By taking steps to educate yourself about business credit, you might
already be miles ahead of the competition.

The Experian Intelliscore Plus℠ Credit Score

Explained
For many consumers and business owners, the term “credit score” is often shrouded in
mystery. What is it? How is it created? How can I improve my credit score? Individual
consumers typically find that much of their borrowing power hinges on the FICO score,
but what about a company? For small business owners, what credit score is important?

The truth is, any credit-related score should be on your radar for both your business and
personal finances, but the Intelliscore Plus credit score, provided by Experian, one of
the leading credit bureaus in the United States, is definitely a top contender for business
owners to check, monitor, and understand.

What is the Intelliscore Plus Credit Score?

Quite simply, the Intelliscore Plus credit score is a statistically-based credit risk
evaluation. The main purpose of Experian Intelliscore Plus is to help companies,
vendors, investors, and potential commercial credit grantors make well-educated
decisions about who they should or should not do business with. These entities, of
course, don’t want to lend money to or get involved with a company that has a high risk
of being unable to pay back financing. The score is an indicator of that level of risk

Much like a car dealership can use a consumer’s FICO score to quickly determine how
much of a risk a potential customer may be in terms of being able to pay off the auto
loan, the Experian Intelliscore Plus credit score, which is a numerical score that ranges
between 1 and 100, can provide insight on how high-risk a business or business owner
may be. If you plan to apply for a business credit card or lines of credit, lenders and
suppliers may look at your score to determine your creditworthiness.

While there are three major business credit reporting bureaus (Dun & Bradstreet,
Equifax, and Experian) in the US, this number is created and sold by Experian. The
other agencies have their own proprietary credit scores—PAYDEX® for Dun &
Bradstreet and Business Delinquency Score™ for Equifax are two examples. It’s a good
idea to monitor all three, which you can do with Nav.

As with many credit scores, there are different versions of this score. Current versions
include:
•Intelliscore Plus
•Intelliscore Plus v2

One thing that’s unique about this score is the fact that it can be based on personal
credit data, business credit data, or both. Intelliscore Plus often uses a “blended model”
for newer businesses: it can evaluate the owner’s personal credit data as well as
business credit data to calculate a credit score. For new businesses with no business
credit history, only the owner’s personal credit data may be used to calculate the
business’s credit score.

Intelliscore Plus Credit Score Range

The Intelliscore credit scores range from 1 to 100; the higher your score, the lower your
risk class. Conversely, the lower your score, the higher your risk class and the harder
you may find it to be approved for a loan or business credit card. The chart below
outlines each Intelliscore Plus credit score range and its associated risk class and risk
description.

Score Range Risk Class Risk Description

76 – 100 1 Low

51 – 75 2 Low – Medium

26 – 50 3 Medium

11 – 25 4 High – Medium
 Score Range Risk Class Risk Description

1 – 10 5 High

How Is My Experian Intelliscore Plus Credit Score Calculated?

In the credit world, Intelliscore Plus is deemed to be one of the most reliable tools in
effectively predicting risk. One of the ways Intelliscore Plus maintains this claim to fame
is by identifying the key factors that indicate whether or not a business is likely to pay its
debt, as well as its overall financial stability.

Experian pulls over 800 commercial and owner variables from public records, your
credit file, and public filings to calculate Intelliscore Plus credit scores. The actual
formulas for these scores, like all credit scores, are proprietary, so exact details of how
each item impacts the score is not revealed. However, there are general guidelines that
can help you understand what makes up a strong score.

Those variables can be broken down into these key factors:

•Payment History: The credit bureaus call this “recency” but in easy-to-understand
terms, it’s nothing more than your history of paying bills on time (or not). This includes
the number of times your account(s) become delinquent, the percentage of accounts
that are currently delinquent, and your overall debt balance.
•Frequency: Closely related to payment history, frequency factors in the number of
times your accounts have been sent to collections, the number of liens and judgments
you may have, and any bankruptcies related to your business or personal accounts.
Additionally, frequency can include information about your payment patterns. Were you
consistently slow or late with a payment? Did you start off paying bills late, but over
time, decreased this behavior? These things will all be considered when calculating
your score.
•Monetary: This particular factor focuses on your credit utilization. For example, how
much of your available credit is currently in use? Do you have a high ratio of delinquent
balances compared to your total high credit or credit limits?

If you’re about to start a business or are fairly new to this game, the list above may
seem a bit overwhelming. If you haven’t started or don’t have a long history of business-
based transactions, how will Intelliscore Plus rate you?

How Do You Improve Your Score?

While there is no one single concrete solution to improving your credit score, these
strategies can definitely help you with that goal:

•Make Your Payments on Time

As we just discussed, your payment patterns and history are a driving force in your
overall credit score. Over time, paying your bills on or before they are due will help
establish your business as one that pays its debts. Payment history is the single most
important factor in business credit scores, and unlike personal credit, your report may
indicate payments that are just one day late! (Learn more about how payment history
affects your business credit.) Set up systems like autopay or payment reminders so you
don’t miss due dates.
•Keep Your Debt-to-Income Ratio in Check
The more debt you have, the more bills you have, and the less disposable income you
have. Many credit scoring models evaluate debt by calculating a factor called
“utilization” or “debt usage.” This factor compares your balances on accounts to their
credit limits, or if a credit limit isn’t reported, the highest recent balance reported. If your
business credit report shows your business is “maxed out” on accounts, then it will
likely be rated as a high credit risk.
Keep your debts in check and consistently pay them down and/or off when you can.
•Use Business Credit
I know what you’re thinking: “But you just told me to keep my debts low!”

That remains true; however, opening and responsibly utilizing business credit accounts
that report to major commercial credit agencies can help you extend your available
credit and increase your credit score. Two easy ways to get started:
•Get a business credit card that reports to business credit bureaus
•Get vendor accounts that report to business credit bureaus
•Maintain Good Personal Credit
By now, you’re aware that your personal credit is fair game when it comes to your
Intelliscore Plus score if a blended score (which evaluates both personal and business
credit) is used. Running a small business is tough work, but don’t let your personal
finances suffer. Make sure you stay on top of your personal bills, avoid unnecessary
credit inquiries, and refrain from sacrificing your personal credit for small business
needs.
•Review Your Credit Reports
Regardless of what your credit score is, it’s important that you remain diligent and
review your personal and business credit report regularly. This can help you spot
possible issues and stay educated on your own credit profile. (Get your free personal
and business credit reports here).

Knowledge of Your Credit Situation is Power

Understanding how your Experian Intelliscore Plus score (and other personal and
business credit scores) work, as well as regularly monitoring your Experian business
credit report will ensure that you and your business are in a good place financially.

Even if you don’t currently need funding, keeping your credit score sparkling will open
the door for business financing options down the road.

We have HIGH LEVEL Corporate Trade Line accounts at our disposal, available
through reliable business vendors that can be added to a corporation after
they’ve completed the tasks above AND we also have a STARTER package where
we can do all of the items above in house for the client as well. Contact us for
mere details and to get started.

Here's The Corporate Credit Build Up Check List

1. Filed articles of Incorporation
2. Statement of Information
3. Tax ID Number
4. Company Bank account and company checks
5. Dunn and Bradstreet number
6. 411 Directory Listing
7. Web domain name
8. Simple web page
9. Yelp Listing
10. Create Letterhead to submit corporate orders
11. Open Quill Account
12. Open Uline Account
13. Open Grainger Account
14. Open Reliable.com account (merged with Office Depot)
15. Order $150 worth of supplies from the first four Vendors (Net 30)
16.Go to Level Two Vendors next. Sign up for four more accounts out of the
following list (Corporate Accounts) Kinkos, Staples, Target Commercial,
Amazon Business, Sam’s Club, Home Depot, Lowes, Shell and other Gas
Stations, Verizon, Walmart, Sprint, Dell Computers, Seton, Sheraton,
 Marriott, Hyatt, Apple, Best Buy, Costco, FedEx, UPS, Mercedes, Ford, GMC,
Toyota, BMW and Ace Hardware
17.Obtain a secured Business credit card
18. Create Equifax Corporate Profile
19. Create Experian Corporate profile
20.
Set up a binder and keep all of your important papers, articles and
documents in the folder.
Start reviewing your personal credit files to make sure your scores are in
the mid 700's or at least heading in that direction.
Every corporation needs at least one good principal offier guarantor to re
assure the banks and lenders that you have a solid backing just in case.
If your scores are not up to par, consider either doing a full credit sweep or
scrubbing, checking to see how many Primary Trade Line accounts you
currently have established in your own name, in good standing, reporting
monthly payment history, with low balances.
These days, it's required that you have THREE good primary trade line
accounts established in your own name, with history, decent limits, in order
to get approved for any business loans, corporate vehicle and especially a
working capital unsecured loan.
I reviewed a credit report a few weeks ago of a client, with 780 scores, I
was salivating, drooling at how good the scores were, slam dunk – he would
definitely get approved, right? WRONG! All Authorized User accounts on
his credit report – not one Primary :( Sad. Pathetic. Yes it was. Couldn't
even get him a Library card, let alone some nice unsecured funding.
We started him right away on our Primary Trade Line Account Starter
Package – five accounts established for the client “IN HOUSE” that are new,
but report limits beginning the following month on his credit reports, and
continue seasoning month after month after month indefinitely.
Remember, Primary Accounts usually don't close or fall off unless
requested by the owner of the account.

Obtain your TAX ID Number (EIN) and keep the letter from the IRS for your
banking needs, tax records, and many other purposes. Save a copy on your
computer in PDF ready to email to any one who requests it – for a new
corporate bank account, Initial Starter Primary corporate Tradelines (almost
always required) and many other reasons, including Payroll Taxes and
Corporate Tax returns.

File your Statement of Information Online ASAP. Usually in most states,

you have 30-60 days to register your officers names, current address,
mission statement and pay the small annual fee required in your home
state. This also enables you to register a foreign corporation at home and
most importantly, your banker will need to confirm the filing of your
statements as required for banking purposes. Many banks will also require
a Corporate or LLC Bylaws and Operating Agreement. For your review and
use, I've included one in this book.
 CHAPTER TWO
Implementing the check list and keeping records
 I PULLED THIS OFF NAV.COM
6 Easy Approval Net-30 Accounts
1.Summa Office Supplies

2.Quill

3.Grainger

4.Uline

5.Wise Business Plan

6.Crown Office Supplies

If you’re looking to establish business credit with easy net-30 accounts, this
comprehensive guide will help you understand how to get started. We recommend you
review the entire guide to get the full picture of how to build and maintain strong
business credit using trade credit.

What are Net 30 accounts?

Net-30 accounts are accounts that extend you 30 days to pay the bill in full after you
have purchased products. Net 30 accounts allow you to buy now and pay later.
Commonly known as vendor credit, supplier credit, and trade credit. Vendors that report
those payments to commercial credit agencies help your company establish strong
business credit.

Each supplier listed here offers a wide variety of products that many businesses can
use. By purchasing items you need for your business on payment terms and then
paying on time, you can build a solid business credit history.
Note that we have carefully reviewed and checked these offers with multiple sources.
We will continue to update them periodically. Keep in mind terms and credit reporting
arrangements may change. If you want to learn more about what business credit
is, read this resource. Feel free to share your experiences in the comments below.

1. Summa Office Supplies

Products offered: Office supplies such as paper, folders, envelopes, labels etc.

Reports to: Experian and Equifax (business credit)

Worth noting: Summa Office Supplies is eager to work with small businesses, and their
stated goal is to provide the “human touch.” They offer credit for both new and well-
established businesses and will provide written trade credit references upon request. As
you establish a positive payment history, you can request larger credit lines.

Open a Summa Office Supplies account now. Use code SOSNAV at checkout.

2. Quill
Products offered: Office supplies, including a wide variety of supplies in the following
categories: cleaning, coffee/snacks, safety, laboratory, healthcare, health and wellness
and more.

Reports to: Dun & Bradstreet

Worth noting: Some business owners with no business credit history have reported they
were required to purchase at least $100 of products per month over a 90 day period and
pay those off before qualifying for a net-30 account.

Open a Quill account now

3. Grainger
Products offered: Over 1.6 million industrial and safety products offered

Reports to: Dun & Bradstreet

Worth noting: While a Grainger account is generally easy to get, some business owners
have reported that they were unable to qualify immediately because they had no
business credit references, or because their business was just recently incorporated.
Some found they were able to talk with a representative to establish credit terms, while
others had to start with other accounts.

Open a Grainger account now

4. Uline
Products offered: Packaging, janitorial, food service, safety warehouse supplies and
more

Reports to: D&B and Experian (business)

Worth noting: Most business owners report success opening a credit account with Uline.
If your business is young and you have trouble qualifying, you can contact their credit
department.

Open a Uline account now

5. Wise Business Plans

Wise Business Plan® specializes in creating professionally written business plans, pitch
decks and Powerpoint presentations for small business owners. Plans cover a variety of
purposes, including franchises, non-profits, as well as investor grade and bank
compliant plans. Each business plan is custom written by writers with MBAs,
researchers, and financial modelers, and are professionally designed. Wise Business
Plan purchases are paid for with 50% due up front and 50% due before releasing the
draft. Those purchases are reported to Dun & Bradstreet.

Open a Wise Business Plans account now

6. Crown Office Supplies

Products offered: A wide variety of office supplies including everything from artwork to
computers to snacks and more
Reports to: All major commercial credit agencies, including Dun & Bradstreet, Experian,
Equifax, Credit Safe, and NACM

Crown Office Supplies is eager to work with both new and established businesses.
There is no personal credit check. Businesses without an established commercial credit
history will be offered base credit line which can grow as long as they are making their
payments. There is a $99 annual fee (which may be waived for businesses with a
strong business credit history.) This annual fee is reported to the bureaus, which may
further help the business establish credit.

Open a Crown Office Supplies account now

Before You Start

Before you start applying for vendor accounts, it’s important to target your efforts so you
apply for accounts for which you are likely to qualify. Some companies have more
stringent requirements. Here, we will show you how to start with easy net-30 terms and
work your way up to additional accounts:

We recommend you take these steps before you apply for vendor credit:

1.Get an Employer Identification Number (EIN) from the IRS. Many

businesses obtain an EIN for tax-reporting purposes. An EIN will not be the
identifying number in the business credit system the way Social Security
numbers are for personal credit; however, you may need an EIN for credit
applications.

2.Register your business with your state. We strongly recommend you form a
legal entity such as an LLC, S Corp or C Corp. If you decide to continue
operating as a sole proprietor (no legal entity) we recommend you at least
register your business name as a fictitious name (also known as a “DBA”) with
your state. DBA is different from shelf corporations.

3.Get a D-U-N-S number if your business doesn’t already have one. This is the
identifying number in the Dun & Bradstreet business credit database. Not sure if
your business has one? Look up your business credit for free here.
 4.List your business phone number with directory assistance. Here’s how.
When You Apply
•Use your business name and information on the application.
•Be consistent in the way you list your business name, address, phone number, etc.
•Avoid using personal information such as your Social Security number whenever
possible.

You may have to start with a low credit limit initially. As you establish a track record of
on-time payments you can ask for a higher credit limit. Remember, these companies
want to do business with customers who make purchases and pay on time.

Why Get Net-30 Trade Accounts?

Learning about net-30 vendor accounts was a game-changer for serial entrepreneur
Levi King’s first business, a sign manufacturing business he launched in his twenties.
Because he had been raised to avoid credit and debt, he bootstrapped his business,
and cash flow was always an issue.

He’d have to purchase cement, plastic, steel and other supplies— plus cover labor and
other overhead costs— before he could manufacture and install the signs his clients
would purchase and pay for later. It was incredibly stressful and there were many
sleepless nights when he worried about how he’d keep his business afloat.

Then one of his suppliers suggested he fill out a credit application, which would allow
him to get supplies on net-30 terms, which meant he wouldn’t have to pay the supplier
for thirty days. With that extra time to pay, he could often complete a job and invoice his
clients without laying out money for the supplies up front. “It was a great way to float
costs between customer payments,” he says.

How Trade Credit Works

Trade accounts (vendor or supplier credit), are accounts offered by companies that sell
to businesses of all sizes. The vendor or supplier essentially becomes the lender by
allowing customers to “buy now” and “pay later.”
Net-30 terms means full payment is due 30 days after the invoice date. Net-60 gives
you 60 days to pay, etc. Always pay on time— early if possible— to establish a good
payment history. Business credit reports may report payments as little as one day late,
and with the D&B Paydex score, you’ll earn the highest score by paying early.

Not as common as net-30 terms, some vendors will offer net-60 or even net-90 terms.

Trade credit is used in a wide variety of industries including:

•Construction
•Manufacturing
•Restaurants
•Medical offices
•Most B2B companies

Even freelancers who provide services are essentially offering net-30 terms when they
perform work for a client and get paid later. It’s the most popular form of small business
financing!

Why Trade Credit Matters

There are a number of advantages to establishing net-30 vendor accounts. They
include:

1.Improve Cash Flow: Paying for items you use in your business can improve
cash flow. Some vendors will start customers off at net-10 or net-30 terms, but a
number of them will extend longer terms to good customers with on-time
payment histories.

2.Separate Business and Personal Credit: By securing payment terms with

your vendors, you can separate your business and personal credit, and avoid
using personal credit cards to purchase supplies for your business.

3.Build Business Credit: Vendor accounts that report to business credit

reporting agencies will help your business build business credit, which in turn
makes it easier to get other types of business financing. The D&B Paydex Score,
 for example, is calculated by evaluating payment history with vendors. Learn
more about how to report to the business credit bureaus.

4.No Personal Credit Check: Some suppliers and vendors (but not all)
will not check the owner’s personal credit check. That means business owners
with ‘bad credit,” may be able to begin to establish vendor credit while they
continue to work on their personal credit.

Vendor Accounts Without Personal Guarantees

Some business vendors and lenders may request or require a personal guarantee (PG).
With a PG, you agree that if your business doesn’t repay the debt, the lender can try to
collect from you personally. While it’s best to avoid PG’s when possible, they may be
required in some cases, especially when your business is young and hasn’t established
strong revenues and/or business credit.

Tip: Read the application and terms and conditions carefully to determine if a PG is
required. If the vendor asks for personal financial information such as a Social Security
number, it may check your personal credit and a personal guarantee may be required.
Don’t be afraid to clarify that with the lender if necessary.

Business Credit Cards: Another Easy Way to Build Business

Credit
A business credit card can be used in a way similar to vendor credit: you can purchase
items you need for your business and pay for them later. Most business credit cards
offer a grace period, which can give you days or weeks to pay before incurring interest,
depending on the timing of your purchase. Some business credit cards offer low-rate
purchases and/or balance transfers, making them attractive when your business needs
to borrow for longer periods of time.

A business credit card is also an important way to build business credit. As this chart
explains, most business credit cards report to at least one of the business credit
bureaus and most report to multiple bureaus. Paying at least the minimum payment on
time on your business credit card on time can help you build strong business credit.
When you apply for a small business credit card, there will be a personal credit check
and a personal guarantee will be required. Generally, a good personal credit score will
be required. It’s not until you move into “corporate credit cards” available to larger
businesses with significant revenues that you can move away from these requirements.

While those may seem like drawbacks, they also offer advantages: as long as you have
decent personal credit scores (usually in the mid-600s or higher) and sufficient income
from all sources (not just business revenues), you should be able to qualify. These
cards are often available to startups and businesses with little revenue.

Tip: By using Nav’s MatchFactor technology, you can see your top business
credit card options alongside your latest personal and business credit scores.

The bottom line: a business credit card can complement net-30 accounts and offer
similar advantages, including improved cash flow and the ability to build business credit.

Report Accounts You Already Have

You may already have accounts that give you payment terms, even if you don’t think of
them that way. For example, if you have a cell phone bill, you probably pay for the
service and data you’ve used in the previous month. The same is true of your internet
service, utility bills etc. But often those accounts don’t report to business credit and
therefore your monthly payments don’t help you build credit.

There’s a new service called eCredable that will verify and report those accounts to
your Experian business credit bureau report for a small fee. Even better, it will report the
most recent payment history up to 24 months. That means you can get “credit” for bills
you’ve already paid! (Of course, that also means you’ll also want to make sure you
haven’t had a late payment in the past two years on any account you want reported.)

Note these accounts can be in your personal name as long as you verify you use them
for your business. Learn more about this service and read our review here.
What’s the Small Business Financial Exchange?
Each payment experience you make as a consumer—mortgage, credit card, and car
payments, to name a few—could show up on your personal credit report.

The same goes for your business in regards to your business credit report. Payments to
suppliers, loan payments, commercial lease payments, auto payments, are allpayment
experiences that could be reported and end up on your business credit file. Data
warehouses, like the Small Business Financial Exchange (SBFE), along with business
credit reporting agencies collect the information that then shows up on your report and
affects your business credit score.

What does the Small Business Financial Exchange (SBFE) do?

The Small Business Financial Exchange serves as a data exchange for small business
credit information. Established in 2001, it is member-owned by small business lenders—
think of it as a membership-only Goodwill for small business data. Members of the
SBFE contribute data on small businesses they work with, and in exchange they can
access credit reports generated by SBFE certified vendors. The SBFE calls this the
“give-to-get” exchange.

SBFE membership is open to those that originate small business financial obligations,
own the paper related to small business financial obligations, or service receivables for
financial obligations. For example, banks, credit card providers, alternative lenders and
leasing companies can all be SBFE members. Those that become members commit to
submitting account information, both negative and positive, on businesses they work
with to the SBFE Data Warehouse each month.

Why does the SBFE matter to my business?

If you apply for credit or financing with a financial institution or company that is an SBFE
member, chances are they will purchase a credit report that includes SBFE data
provided by other members. If you’ve paid on time, this business credit history can help
your business get approved for financing. If you have bad business credit history, you
may not be eligible for the best/lowest rates. You may be eligible for attractive options
such as small business bank loans or equipment leases. (Learn more about how to
report to business credit bureaus)

What information does the SBFE have on my business?

The SBFE stores a number of data points on businesses. Information it might collect on
your business includes:

•Business identification information, like your business’s name, address, DUNS

number, NAICS code, and EIN.
•Positive payment information—bills you pay on time or early to lenders, suppliers,
vendors, and business partners, plus your credit limits on those accounts
•Negative payment information—bills you pay late to lenders, suppliers, vendors, and
business partners, plus your credit limits on those accounts
•Credit card payment history
•Payment information on your business’s lease payments
Does the SBFE create business credit scores?
The SBFE makes it clear on its website that it does not create or sell credit reports of
any kind. It has, however, authorized a small group of vendors to create credit products
such as credit data products. SBFE certified vendors include Dun & Bradstreet,
LexisNexis Risk Solutions, and Equifax. You can learn more about how to build
business credit here. (Learn more about business credit reports and scores here.)

Who can access the data that the SBFE stores on my business?
SBFE data is available to SBFE members only, and SBFE information is available for
credit risk assessment and not for marketing purposes.

It’s important to note, however, that business credit reporting agencies are not covered
under the same federal law that covers personal credit data. Personal credit data is
protected under the Fair Credit Reporting Act (FCRA), which limits access to your credit
data and requires some parties, like employers, to get your permission before accessing
your credit information.
Business credit and lending is not covered under the FCRA. Generally, this means that
anyone can access your business’s credit information anytime they want, and they don’t
need your permission to do it.

Thus, if an SBFE member wants information on your business, or a report from certified
vendors, they do not need your permission to obtain such reports. (However, in the
case of SBFE data, only members have access to that information.) This is why it’s
important for businesses to know what information is in their business credit reports—
any lender you consider working with now or in the future can gain access to this
information.

Using 30 Day Net Vendors to Build Your

Business Credit Score
How to use Net 30 Vendors
One of the techniques I teach in the “7 Secrets of Obtaining Business Credit” is Establishing
your first reporting trade lines using 30 day net vendor accounts.
In the beginning of your journey it’s hard to get trade lines to report
to the business credit bureaus because you don’t have business
credit established and no lender wants to lend to your company.
The solution is to establish “small vendor lines of credit” (after
your get your DUNS Number) with companies that report to the
business credit bureaus. “Small vendor lines of credit” meaning 30
day (or 15 day) net accounts. 30 day net simply means the amount
owed (for your purchase) is due in full in 30 days. Sometimes,
these are also referred to as tier 1 business credit vendors and are easier to get
approvals from.
Here’s how it works. Similar to many companies, Quill, offers paper
supply products and 30 day net payment terms. Quill offers two forms
to pay for their products 1.) Pay By Credit Card (Traditional Payment
Method) 2.) Invoice My Account (30 Day Net Terms). You’ll choose
option 2 – invoice my account.
You will receive the product in the mail and you did not pay for it yet! Essentially a small
line of credit (trade line) was extended to your company. Now, you need to pay the bill
in the mail when it arrives. Upon payment, Quill will report to the business credit
bureaus and ‘voila!’ you are on your way to building your business credit score. The
more trade lines you build, the stronger your business credit score will grow. Here are
some additional vendors below.
BP Gas / BP Business Solutions Fuel Card Plus (See article on Gas
Cards) https://www.bpbusinesssolutions.com/ (630) 836-5000 14 Day Net
Terms Reports to Dun and Bradstreet (DNB)? Yes When do they Report?
Randomly
Valero Gas (See article on Gas Cards) https://www.valero.com/default.aspx (800)
324-8464 25 Day Net Terms Reports to Dun and Bradstreet? Yes When do
they Report? At the end of each month
Advance Auto Parts https://advanceautoparts.com Apply for Business
Account in person, at your nearest store
Gemplers https://www.gemplers.com (800) 241-6401 30 Day Net Terms
Reports to Dun and Bradstreet? Yes When do they Report? Unknown May
Require your first order to be pre-paid before you can order on 30 Day Net Terms
Supplyworks is a common net 30 account and is now
associated with home depot (home depot pro institutional).
Business T Shirt Club.
Business T-Shirt Club
is wholesale t-shirt and
apparel buying club
exclusive to
entrepreneurs and
business owners. This is an easy approval account to get.

Lowe’s. Lowe’s NET 30

accounts are called Lowe’s
Business Account
Receivable. It can be used
only at Lowe’s and you have
to pay the balance in full each month. It is easier to get than their regular Business
Credit Card because of this. And is a good starter account to get.

2 Additional Vendors that Report to DNB Automatically

1. Menards Credit Center

Menards is a competitor of Home Depot and Lowe’s that you may have heard of if you
live in the Central United States. If you live near a Menards, you can go into a store and
apply for a “Contractor Card” in your business name. The Contractor Card is basically a
business credit card. If you make your payments on-time, Menards will report to D&B to
help you boost your credit.
2. Lowe’s Credit Center

If you’re not located near a Menards, you might want to check out Lowe’s, which you
can find in most regions across the United States. Lowe’s is another company that
reports to D&B, which makes them a good fit for building supply and electronic
purchases for your business. So, once approved and with on-time payments for your
account purchases, you should see a rise in your D&B credit score.
Quick Tip: To understand what to expect from your credit terms with our lists of
companies that report to D&B, look into who the underwriter is for the tradeline. In the
cases above, Medards is underwritten by HSBC and Lowe’s is underwritten by GE Capital.
 AUTHOR BIOGRAPHY

Randolph Hirsch grew up in the San Francisco Bay area in the 70's.
After winning his first essay writing contest at the age of 12 he
decided that his skill for creative writing would be in his future
endeavors. Later on in life he started his own publishing company
and now has over 50 books published on Amazon and Kindle, in
paperback edition as well as E-Books.
Mr. Hirsch also owns a National credit consulting – restorations –
Business and Personal Trade Line Accounts, Aged Corporations
business in Los Angeles, servicing all 50 states, and a new Feature
Film production company and a small business and personal
funding service as well.
In his former career, during the first 20 years of his adult working
life, Randolph built three Tax and Accounting practices from
scratch. The first in the San Francisco Bay area – Peninsula area of
Millbrae and Burlingame, CA. The second further north in Seattle,
WA and his third and final Tax Accounting business in Los Angeles,
CA, each attaining over 750 clients.
Randolph enjoys golfing, movies, cooking, wine tasting and
camping, the great outdoors and studies film history and
biographies of actors, producers and directors, present and past.
He currently lives and works in Beverly Hills, CA, has a daughter
and a Labradoodle named Mr. Brady.
 OUR CONTACT INFORMATION

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Credit Report Scrubbers
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The Business Lending Company

OFFICE: (424) 273-4081 Text Inquiries Okay

ANSWERING SERVICE: (424) 258-9007
AFFILIATE PROGRAM

EMAIL: Randolph@CorporateCredit.INFO

AFFILIATE WEB SITES:

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http://BusinessLending.company

http://CannabisBizFinancing.com

We have a great Affiliate program!

Enroll in our program and receive many benefits including complimentary

E-Books as they are released, latest Personal and Business Trade lines
Inventory Lists, Discounts on the HIGH LEVEL Corporate Trade Line
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your computer, sample ads you can post or email out to prospects,
Marketing brochures, and White Label Affiliate Broker re-seller discounts.