Please be advised that any statements, comments, suggestions or business strategy that is contained herein, or anywhere on this website is not considered legal or tax advice or the practicing of any type of law or legal strategy. You will need to seek the advice of a paralegal, attorney, CPA, Accountant, or Tax Attorney before you choose to implement any of these business strategies into your own business. These are strategies that are being utilized by ROI Credit Builders and it’s related entities as demonstrations of what we have implemented into our business.
The More Facts That You Know, The Easier It Will Be To Build Business Credit!
4 hours or More Of Business Strategy Session Planning – WHY? (Well this step is necessary, for us to get to know more about your new or existing business and to begin mapping out a credit building plan that is tailor made for your business or industry. For example; you may have questions like; “Why do I need to incorporate my business to get or build business credit?” Which type of business entity should I use for my business? We will answer this question and many others as we work together in the planning and strategy consultation. Session time limits will depend on the package selection that you choose for your business. You can choose to use your business strategy sessions all at once, or in increments, or in segments, depending on the amount of consultation hours that you purchased. The scheduling coordinations and time frames for the booking of all appointments MUST be made at least 24 hours in advance.)
411 Credibility Listing – WHY? (Well this step is necessary, for us to make sure that your business is ‘factual & verifiable’, when the lender searches for your business in the 411 directory listings. What that means is the phone number registered, must match the designated address provided to 411 directory as the business primary location. It also means that they are checking 411 directory listings for the legal registered name of the business with that of the SOS filing.)
EIN and Entity Setup Assistance – WHY? (Well this step is necessary, for us to make sure that the IRS SS-4 Form is filled out correctly *strategy. Watch out for line ?)
Done For You Entity Service With Register Agent *(If Applicable) – WHY? (Well this step is necessary, for us to make sure that you have a proper agent to receive process of service or legal notices and mail on behalf of the corporate entity. It also ‘validates’ your entity’s registered domestic jurisdiction to conduct business in that territory.)
Business Phone Credibility Check – WHY? (Well this step is necessary, for us to make sure that your business is listed in the 411 directory according to the legal filings with the secretary of state where the entity has been filed. Landline, Centrix, efax, Fax # or a cell phone, which one of these do you need and which one of these should you not use for a business line listing?)
Business Address Credibility Check –WHY? (Well this step is necessary, for us to make sure that the address being used is not a home address, PO Box, UPS Store or any other unacceptable location that would cause a ‘denial’ of your application by the lender. So, which business addresses are considered acceptable to most lenders and creditors?)
Business Name Credibility Check–WHY? (Well this step is necessary, for us to make sure that the legal entity’s business name filing is consistent all across the board. From your SOS Filings, IRS SS-4 Form, 411 Listing, Website, etc…. Also to make sure that your business is not in a high risk category in accordance with lending guidelines. )
Business Venue Credibility Check– WHY? (Well this step is necessary, for us to make sure that all the necessary documents on file with the SOS, are in ‘good standing’ and has the correct designation of a domestic or qualified foreign entity. Also for us to make sure that all business licensing, tax filings and registry with your County, City and local unincorporated areas of government entities are in good standing.)
Business Domain, Website and Email Credibility Check – WHY? (Well this step is necessary, for us to make sure that your company has a clear and concise display of your products, services, who you are and what you do? Your Domain name display’s a consistent presence relationship to your company’s name, by the domain itself, or in the domain name registry. Also that you need to have a clear marketing plan in place that demonstrates your business have an active engagement with it’s customers and a following of building an active brand. Your email address need to show that you have a direct connection to the business and not just a yahoo, GMail or some other random email that does not show a clear and direct connection to you and the business that you are applying for credit or funding on behalf of, with the lender.)
Bank and Merchant Account Setup Assistance– WHY? (Well this step is necessary, for us to make sure that your business bank account is set up uniformly and has the legal entity’s filing name with the SOS and the correct designated officers or directors as the legal signers on the business bank account. Also, if there’s more that one person controlling or operating the entity, that a two signer’ s designation may be considered as an option. Also that each entity has its own separate bank account, unless operating as a division of the parent entity.)
Compliance Check on Your Existing Business*(If Applicable) – WHY? (Well this step is necessary, for us to ensure that the checklist of the previous items above mentioned has been fulfilled. Also to ensure or check if there are any other unknown items that may show up on a business and asset search of the entity. Such as a tax lien, business lien, mechanic’s lien, vendor’s lien, creditor’ s liens or filings. Any outstanding bankruptcies or past bankruptcies and business locations. Any active lawsuits or filings. Any judgements or defaults by the business entity or similarities of namesake related to the current entity. An UUC Filings, past or present , trademarks, patients, etc… In a nutshell, it’s a comprehensive background sweep on the business entity’s name filings and activities, including current status, dispositions and standings.)
Run A Full Compliance Check On The Set Up Of The New Entity Before Applying For Any Type Of Credit– WHY? (Well this step is necessary, for us to ensure that any name similar or related does not boardline an exact match of the name and filings of the new entity. To go through the checklist of the previous items above mentioned has been fulfilled. Also to ensure or check if there are any other unknown items that may show up on a business and asset search of the entity. Such as a tax lien, business lien, mechanic’s lien, vendor’s lien, creditor’ s liens or filings. Any outstanding bankruptcies or past bankruptcies and business locations. Any active lawsuits or filings. Any judgements or defaults by the business entity or similarities of namesake related to the current entity. Any UUC Filings, past or present , trademarks, patients, etc… In a nutshell, it’s a comprehensive background sweep on the business entity’s name filings and activities, including current status, dispositions and standings.)
Fix Damaged Business Credit *(If Applicable) – WHY? (Well this step is necessary, for us to check with Dun & Bradstreet, Experian, Equifax, TransUnion, and other Business Credit Bureaus to know what the current report is stating about your business credit. Then to challenge, dispute, negotiate, alleviate or settle any outstanding debts that maybe harmful to your business entity’s credit report. In an extreme case, you may want to consider dissolution or reorganization of the business entity.)
Understanding How Does Business Credit Differ From Personal Credit And Why?Why?(Well this step is necessary, for us to get to understand the differences that can affect you personally and the ones that or may not affect your new or existing business. First of all, business credit differs in that the inquires doesn’t hurt your business credit score as businesses are constantly growing and are in need of an increased infusion of credit & loans to accommodate that growth by applying for more business credit & loans. Unlike it does with your personal credit, lenders tend to view your application for more credit as a sign of desperation or as an overincumberance of your personal obligations. Secondly, you don’t have a loan to value, (LTV) issue like you do with personal credit as it is tied to your personal income level and earnings. Businesses tend to have more earnings potential and can work off of projection of sales or revenue, whereas to not create a LTV issues with the lenders. Thirdly, business credit does not create a debt to income ratio, as businesses are always growing, whereas with your personal credit, your income remains pretty steady as viewed by the creditors. Fourthly, business credit is not tied to you personally, (Unless you execute a ‘personal guarantee‘ for the credit or loan) as to effect your personal credit score in event if their is a situation with the payment history or the debt not getting serviced due to a decrease in or loss of revenue. This is why it does not take good personal credit to get business credit. Finally, with business credit, lenders tend to view a company’s age as a sign of stability, where on your personal credit lenders tend to view it as your earning potential is decreasing.)
Business Credit Report and Score Training– WHY? (Well this step is necessary, for us to build, maintain and grow your business credit for your business. You will need to monitor the scoring of your business credit. It ranges from 0 – 100 and it’s a lot different than consumer credit, scoring and reporting. Therefore, we will provide the necessary basic training for you or your CFO to be able to manage your business credit report and scoring. This is important to your business credit success, due to the fact that just as there are inaccuracies in consumer credit reporting, so it is the same with business credit reporting.)
Learning How To Manage Business Credit– WHY? (Well this step is necessary, for us to provide the necessary basic training for you or your CFO to be able to manage your business credit. In the initial consultation a business credit goal was set. Once we have achieved that business credit goal, we provided some guidelines to assist you in managing your business credit to keep a healthy business credit score and rating. We even provide some tips that will grow your credit rating at a decent and cautious steady pace. But most important of all how to keep an emergency plan B, that will assist you in getting your business credit back on track, should you falter.)
Review Corporate Stock Kit Also Corporate Minutes, Resolutions And Authorization Documents From Required Compliance Meetings WHY? (Well this step is necessary, for us to assist you in the preparation of your company’s business records and commonly known as the ‘stock kit’. It will contain your company seal, company bylaws, company stocks and ledger, as well as your company minutes and resolutions and other important documentation. It is the life’s breath of your organization and we are really surprised how little emphasis is put on maintaining the company records. This is the first place that the IRS and the powers that be look to when inquiring about your organization activities, responsible parties and company foundations. We will assist you in getting it in order and off to a good start of your new organization. For existing businesses and organizations, we will review your existing company records or the lack thereof, and offer solutions to remedy what may or maynot be lacking. This is also the key tool that gets put under review with some of the creditors when seeking high lines of credit or loans without having to provide a personal guarantee.)
Get Setup with D&B, Experian, and Equifax– WHY? (Well this step is necessary, for us to assist you in getting your business credit profile opened, instead of paying Dun & Bradstreet a ridiculous amount of money to get it done. Your business need a ‘DUNS NUMBER’ to get your business credit profile started. Once you have a certain amount of the right creditors reporting, it will trigger Experian, Equifax and TransUnion to also start a business credit profile on your company. They will issue you a ‘PAYDEX NUMBER’, as it is the manner in which you have been paying your vendors and creditors. This is where your business credit rating and scoring comes in, as the credit bureaus begin to monitor your business credit repayment and spending habits to be able to provide their customers with a report on your business credit rating and thus a paydex score on your business.)
Experian Smart Business Access Exclusive Access to Starter Vendors– WHY? (Well this step is necessary, for us to assist you in using the ‘FINANCE SUITE’ to map out each creditor’s criteria to qualify for a business vendor and credit card with their various organizations. The Credit Suite will not only provide you with the lender’s criteria for establishing credit with them, but it will even provide you with their processing time to grant or deny your business credit. After you have filled out the foundation material from the compliance report into the Credit Suite database, it will even instruct you which lenders and creditors that you are eligible to apply for credit with them and with a 98% chance of approval rating. See the video on the Finance Credit Suite below, to refresh your insight of everything that the Credit Suite can do and has to offer in building, growing and assisting you with establishing your business credit. )
Access HIGH-Limit Store Credit Cards– WHY? (Well this step is necessary, for us to assist you with getting the company gas cards, Walmart cards, and Home Depot to name a few. The kaviot is that these kind of store cards are linked to the relationship of Visa, Master Cards and even Gold, Platinum & Black cards. Just like any business, it’s all about the relationship that you establish by getting their store cards, first.)
Access HIGH-Limit Fleet Credit Cards– WHY? (Well this step is necessary, for us to assist you with purchasing company vehicles at fleet pricing. But not just company vehicles, boats, seados, yachats, trucks, planes, and luxury vehicles. To obtain these Fleet cards is very valuable to businesses that operate in the transportation industry. But it doesn’t just stop there. Fleet credit cards can also be used to purchase equipment and tools that you may need to operate your business. )
Access HIGH-Limit Cash Credit Cards– WHY? (Well this step is necessary, for us to be able to assist you in getting, once the foundational credit has been established. It will go fairly quickly to build up after that foundation business credit has been established, and you business have achieved an eighty plus credit rating. There are some other things that can grow them faster, after you achieve the basic business foundation credit rating, and that we can assist you with in our strategy session.)
Auto Vehicle Financing with no Personal Guarantee– WHY? (Well this step is necessary, for us to assist you in obtaining vehicle financing for your company vehicles at very good interest rates, pricing and terms. Mostly, without you having to provide a ‘personal guarantee’ for the vehicle. So, even if you are a business owner with marginal to no credit rating, your company can still qualify for financing for a vehicle, as you won’t be the one looked at for the financing qualifications.)
PayPal Revolving Credit Access– WHY? (Well this step is necessary, for us to assist you in obtaining access to a creditor that can provide an easy access to a fairly good amount of credit by meeting the right criteria. There is a unique strategy that is found in the Finance Suite to assist your business in obtaining this revolving account)
Assistance With Corporate Entity Compliance Record Keeping For 1 year– WHY? (Well this step is necessary, for us to start your business foundational paper trail off with the initial key documentation and legal required documents. This service is what we consider to be an essential and invaluable in operating and maintaining your business entity. This service can assist you in being the difference between you have a bulletproof entity of operations and in a legal cause of action or in an IRS audit have it being seen as a ‘straw man’ entity, where you and the entity are treated as one and the same. Just like a D.B.A.)
12-Months of Business Advisor Support– WHY? (Well this step is necessary, for us to help you to achieve your initial business credit goals. Everyone needs a coach when striving to be good at something. Business credit is no exception, and that is why we provide a full twelve months of business advisory support so that you will never have to worry about where to go next!)
Save 90% of Full Credit Monitoring– WHY? (Well this step is necessary, for us to save you both time and money. Monitoring your business credit with the business credit bureaus is one of the keys to being able to build business credit fast. It is also how to keep it on track and continuing to grow your business credit score and ratings. Also to assist your business in qualifying for higher credit limits and lines of credit. It is a real bargain for what it can save you in both time and money.)
Secure Business Loans within 72 Hours After Full Compliance Check – WHY? (Well this step is necessary, for us to see if your business qualify for any of our ‘quick funding’ programs. We have many business loans, merchant loans, AR Loans, equipment and asset based loans, funding and credit programs, depending on your current business standings and situation. We will seek to match up the right funding source with the current situation, need of the business and the positioning of your business. Some businesses are asset rich, but cash poor. There is a saying, ‘ If you have the cash-flow, the lender’s have the cash’. But even in spite of that we can help, even when the banks say, ‘NO’.)
5-Years of Finance Officer Support– WHY? (Well this step is necessary, for us to ensure that your business credit needs are met. This is not a one time deal, as we understand that different types of businesses have different kinds of credit and financing needs. This is why we seek to establish a relationship with you and your business in a long term manner.)
English and Spanish Access– WHY? (Well this step is necessary, for us to be able to serve a vast amount of business owners and entrepreneurs, by assisting them in starting and growing their business. )
We are a product & business service company that can offer you and your business the necessary software, tools, training and much, much more………to succeed at starting, building, establishing and growing business credit for your company or organization. We are a FULL SERVICE business company. (B2B)
Still have questions? Visit our FAQ Section for more details about our products and services. We have an ‘Excellent’ five stars customer service rating by TrustPilot, as we are here to assist you in your business success!
* If you needimmediate assistance, you can use our chat support on our website and one of our friendly support staff will be there to assist you.
We Are Business Credit Certified To Assist You!
Get The Business Credit Financing That You Need For Your Business. We have been in business since 1991, and we love what we do in assisting Business Owners to achieve their goals & ultimately their dreams.
Your satisfaction is guaranteed
Try the Business Credit Builder risk free for 03 days and if you do not see how to advance your business plan goals or improve your business credit just send us a message and we’ll refund your money, and cancel any future billing, no questions asked once you have done your basic due diligence by viewing all of the finance suite training videos and putting forth a valid effort within the finance suite by filling out all of the basic required business information.
Money Back Guarantees: At anytime you can cancel your subscription and you will never be charged again. There is a 3 days unconditional money back guarantee in this program.
Finance Suite licensee users have 3 days to request a refund after their subscription starts or being charged a recurring subscription charge for Business Pro, Business Growth, Business Executive, licensee for 6 months. After 3 days you can not receive a refund, but you can cancel your subscription and you will never be charged again.
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