Business Credit Enhancement
Build and enhance your business credit scores across all three major bureaus by 40-90 points. Establish the foundation for long-term, traditional financing at the best rates.
40-90 pts
Avg. Score Increase
4-6 Wks
Program Duration
All 3
Bureaus Enhanced
97%
Client Satisfaction
Overview
Our Business Credit Enhancement program is a comprehensive credit-building service designed to establish, strengthen, and optimize your business credit profile across all three major business credit bureaus: Dun & Bradstreet, Experian Business, and Equifax Business. Most business owners do not realize that their business credit profile is completely separate from their personal credit, and many have no established business credit at all. This means they are missing out on the best loan terms, highest credit limits, and lowest interest rates available. Our program systematically builds your business credit from the ground up -- or repairs and enhances an existing profile -- resulting in score increases of 40 to 90 points across all three bureaus within the span of 4-6 weeks. With established business credit, you unlock access to traditional long-term financing options including SBA loans, bank term loans, business lines of credit, and commercial real estate financing at rates that are dramatically lower than what businesses without established credit can access. The program includes tradeline placement with credit-reporting vendors, dispute resolution for inaccurate negative items, strategic credit utilization coaching, and ongoing monitoring of all three bureau scores. Think of it as building the financial foundation your business needs to qualify for the funding that will fuel your next phase of growth.
Key Benefits
Who Is This Ideal For?
- 1New businesses that have zero established business credit and want to build a profile from scratch
- 2Business owners who have been denied traditional loans due to lack of business credit history
- 3Companies preparing to apply for SBA loans, bank term loans, or large lines of credit
- 4Owners who want to stop personally guaranteeing every business obligation
- 5Businesses with inaccurate or outdated negative items dragging down their scores
- 6Entrepreneurs planning a major expansion and need the strongest credit profile possible before applying
- 7Any business owner who wants to separate personal and business financial liability
Real-World Use Cases
A 2-year-old construction company with no business credit builds a Dun & Bradstreet PAYDEX score of 80 and qualifies for a $500,000 bank line of credit
A restaurant owner removes 3 inaccurate judgments from Experian Business and sees scores jump 65 points in 90 days
A trucking company establishes business credit for the first time and uses it to finance 8 new trucks through a traditional lender at 40% lower rates than their previous MCA
A medical practice builds business credit within 4-6 weeks and qualifies for a $1.2M SBA loan they were previously denied
A startup e-commerce company builds an 80+ PAYDEX score within 120 days and secures a $100,000 business line of credit with no personal guarantee
A cleaning company with a 520 personal credit score builds strong business credit and qualifies for equipment financing at competitive rates based on business credit alone
Quick Facts
Funding Range
Program investment: $1,500 - $5,000 (depending on scope)
Funding Speed
Full results within 4-6 weeks
Term Length
4 - 6 week program duration
No obligation. Free consultation.
How to Qualify
- 1Active business entity (LLC, Corp, Partnership, or Sole Proprietorship with EIN)
- 2Valid EIN (Employer Identification Number)
- 3Business address (home-based businesses accepted)
- 4Active business phone number listed in directories
- 5Business bank account (recommended but not required to start)
- 6No minimum revenue or time in business required -- startups welcome
Industries We Serve
The Process
How Business Credit Enhancement Works
Our streamlined process gets you from application to funded as quickly as possible.
Comprehensive Credit Audit
We pull your current business credit reports from all three bureaus -- Dun & Bradstreet, Experian Business, and Equifax Business. Your dedicated credit specialist analyzes every tradeline, score factor, and negative item to build a customized enhancement strategy tailored to your specific situation.
Foundation Building & Entity Optimization
We ensure your business entity is properly structured for maximum credit-building potential. This includes verifying your EIN, ensuring your business is listed in key directories (411, Google, Yelp, BBB), establishing a D-U-N-S number if needed, and confirming your business address, phone, and industry codes are consistent across all databases.
Strategic Tradeline Placement
We place your business with carefully selected vendors, suppliers, and credit accounts that report payment history to all three major business credit bureaus. These tradelines are chosen strategically based on your industry and goals. Each positive tradeline builds your payment history and increases your scores. We typically place 5-8 initial tradelines in the first 60 days.
Negative Item Dispute & Resolution
If your business credit reports contain inaccurate, outdated, or disputable negative items, our team initiates formal disputes with each bureau. We leverage consumer protection laws and bureau-specific dispute processes to remove items that are hurting your scores. Most disputes are resolved within 30-60 days.
Ongoing Monitoring & Score Optimization
Throughout the program, we monitor your scores in real time and adjust strategy as needed. As your scores climb, we introduce higher-tier tradelines and credit products to accelerate growth. You receive monthly progress reports with updated scores from all three bureaus and a clear roadmap of next steps.
Graduation & Long-Term Strategy
Once your scores reach the target range (typically 40-90 points higher than where you started), we provide a graduation plan that includes guidance on maintaining your scores, which credit products to apply for next, and how to continue building credit independently. Many clients transition directly into our SBA loan or term loan programs at this stage.
Get Started
How to Apply
Follow these simple steps to begin your funding journey.
Free Business Credit Consultation
Schedule a complimentary call with one of our credit specialists. We discuss your business goals, current credit situation, and what you hope to achieve. There is no cost and no obligation for this initial consultation.
Three-Bureau Credit Audit
We pull your business credit reports from Dun & Bradstreet, Experian Business, and Equifax Business. Your specialist analyzes every data point and presents a detailed findings report along with a customized enhancement strategy and projected score improvements.
Enroll & Begin Building
Choose the program tier that matches your goals. Your credit specialist immediately begins entity optimization, directory listings, D-U-N-S verification, and initial tradeline placement. You receive login access to your real-time credit monitoring dashboard.
Monthly Progress Reviews
Each month, your specialist reviews updated scores, adjusts strategy, introduces new tradelines, and provides a written progress report. You always know exactly where your scores stand and what is coming next.
Honest Assessment
Pros & Cons
We believe in full transparency. Here is an honest look at the advantages and limitations.
Advantages
- Dramatic score increases of 40-90 points across all three major business credit bureaus
- Unlocks access to traditional bank loans, SBA loans, and commercial credit at the lowest rates
- Completely separates business and personal credit liability
- Works for startups and established businesses alike -- no minimum revenue or time in business
- Negative item removal can produce immediate score improvements
- Dedicated credit specialist provides personalized strategy and ongoing support
- Builds a permanent credit profile that continues to strengthen after the program ends
Considerations
- Requires a 4-6 week time commitment to see full results
- Upfront program investment required (not a funded product)
- Results vary based on starting credit profile and industry
- Some tradelines take 30-60 days to begin reporting to bureaus
Common Questions
Business Credit Enhancement FAQ
Get answers to the most frequently asked questions about this funding product.