The case in four points.
Personal credit stays clean
Business debt stops landing on your personal report. Your FICO, your mortgage application, your DTI, all protected.
Bigger ceiling
A funded corporate profile opens business lines and SBA tranches that a 780 personal score cannot reach on its own.
Enterprise value
A real D&B and Experian Business file makes the company more valuable when you sell, raise, or bring in a partner.
Better pricing
An established business file moves you out of the high-rate buckets. Same products, prime-tier pricing.
The process. Step by step.
Foundation audit
We check your entity, EIN, address, phone, and DUNS. Most founders miss two or three of the structural items bureaus look for. We fix them in week one.
Reporting tradelines
We open vendor accounts that actually report. Only a handful do. Those are the accounts that build your file at D&B, Experian Business, and Equifax.
Revolving accounts
Once the floor is set, we layer in business cards and lines that also report. Your score starts moving.
Monitor and stack
Your underwriter watches the bureaus and triggers the next product as soon as your profile qualifies.
Probably you, if any of these are true.
- New businesses that want to start clean from day one
- Established businesses that never separated personal from business
- Founders heading toward an SBA or commercial real estate application
- Operators who want personal guarantees off their vendor accounts
- Anyone trying to raise the company's total funding ceiling
Track record
By the numbers
80+
Avg Paydex achieved
350+
Profiles built
6 mo
Avg time to fundable
$150K+
Avg credit built
Things people ask first.
Most clients hit a fundable profile in three to six months. Bureau reporting cycles set the floor. There is no way to compress the calendar past a certain point, but your foundation is in place by the end of week one.
No. Business credit is a separate file. Stronger personal credit lets us open more starter products in parallel, but we have built fundable profiles for owners sitting in the mid-600s.
D&B's business score, 0 to 100. Eighty or higher signals on-time payment. It is the business version of FICO, and it is usually the first thing a lender pulls.
Done right, no. Tradelines that report to business bureaus do not touch your personal file. Moving debt off your personal report is the point.
We price the program on the discovery call once we have seen your starting profile. Most clients recoup the cost inside the first round of credit we open for them.
Ready to build a business file that actually funds?
One discovery call, one soft pull, one custom build sequence. Your underwriter owns it from there.
Soft credit pull. No hard inquiry unless you accept terms.