Step 1: Comprehensive Credit Analysis

We begin with a comprehensive review of your credit reports from all three major credit bureaus - Experian, Equifax, and TransUnion. This analysis identifies negative items, errors, and opportunities for improvement across supplementary reporting companies as well.

Step 2: Strategic Dispute Process

Our team crafts customized dispute letters targeting inaccurate or unverifiable items on your credit report. We handle all correspondence with creditors, collection agencies, and specialized reporting companies on your behalf.

Step 3: Credit Building Strategy

We help you establish positive payment history through strategic use of secured credit cards and credit builder loans from trusted financial institutions.

Step 1: Proper Business Structure

Ensure your business is properly structured as a separate legal entity (LLC or Corporation) with an EIN number, business bank account, and registration with Dun & Bradstreet for your DUNS number. Your business must also have a physical address and dedicated phone number.

Step 2: Business Credit Agency Setup

Register with all three business credit reporting agencies: Experian Business, Equifax Small Business, and Dun & Bradstreet. This establishes your business credit profile and enables lenders to access your business credit information separately from your personal credit.

Tier 1: Vendor Credit Accounts (Net-30)

Start with vendor accounts that report to business credit agencies. These Net-30 accounts allow you to purchase business essentials and repay within 30 days without interest. We help you establish 3-5 vendor accounts to create your initial payment experiences with companies that report to the credit agencies.

Tier 2: Revolving Credit Accounts

Once you have established payment experiences with vendor accounts, you become eligible for revolving business credit cards. These accounts provide ongoing credit limits that can be used and repaid repeatedly, further strengthening your business credit profile.

Tier 3: Business Bank Loans

With established credit history from vendors and credit cards, you become eligible for business bank loans that report to credit agencies. This final tier establishes your business as a creditworthy entity capable of handling larger financial obligations.

Vendor Accounts (Net-30)

These accounts allow you to purchase business supplies and pay within 30 days without interest. Vendor accounts are ideal for establishing initial payment experiences and include options for office supplies, computers, building supplies, and retail providers.

Revolving Credit Accounts

Business credit cards that provide a preset credit limit that can be used repeatedly as you pay down the balance. These accounts offer flexibility for ongoing business expenses and help establish stronger credit relationships.

Installment Accounts

Fixed-amount loans with predetermined repayment schedules. These commercial installment accounts provide lump-sum funding with fixed payments over a specific timeframe, ideal for equipment purchases or major business investments.

Charge Accounts

Similar to credit cards but requiring full payment each billing cycle. Charge accounts help avoid accumulating debt while establishing positive payment history with creditors.

How Credit Conversion Works

Unlike traditional cash advances, our credit conversion process is designed to protect your credit score and cash flow. We help you strategically convert available credit limits into liquid capital for immediate business needs.

Benefits of Credit Conversion

Fast funding within 24-48 hours, no traditional loan qualification required, works with your existing credit cards, and protects credit utilization ratios. Ideal for businesses needing immediate funding for expansion, equipment purchases, or operational needs.

Getting Started

The process begins with a consultation to assess your current credit situation, followed by secure execution with expert guidance. Our team ensures the entire process is compliant and optimized for your business needs.

Merchant Cash Advance (MCA)

Merchant cash advances are one of the easiest business funding options to qualify for due to flexible credit and revenue requirements. Businesses can typically qualify for 25%-150% of their monthly revenue as an MCA. These short-term funding solutions (usually under 12 months) are perfect for businesses needing immediate cash with same-day funding potential.

Eligibility: Minimum 3 months in business, $5,000+ monthly revenue, no major unsatisfied credit judgments.

Documentation: 3 months of bank statements and completed application.

Business Line of Credit

A business line of credit combines features of both credit cards and loans. Once approved, you can draw from the available amount and as you repay, more credit becomes available again. This flexible solution is ideal for businesses that purchase inventory or need consistent funding availability.

Eligibility: Minimum 1 year in business, $50,000+ monthly revenue, 700+ credit score typically required.

Benefits: Fast approval process (2-4 days), flexible access to funds, revolving credit structure.

Invoice Factoring

Invoice factoring converts outstanding receivables into immediate cash, improving cash flow and eliminating collection hassles. This solution is perfect for businesses with outstanding invoices from creditworthy customers.

Credit Card to Cash Conversion

Credit liquidation services allow you to convert available business credit card limits into liquid capital without the high fees and interest rates of traditional cash advances. This fast, compliant method provides working capital within 24-48 hours and is ideal for businesses needing immediate funding for expansion, equipment purchases, or operational needs. Unlike cash advances, this process is designed to protect your credit score and cash flow.

Benefits: Fast funding (24-48 hours), no loan qualification required, works with existing credit cards, protects credit utilization.

Process: Consultation, credit assessment, secure execution with expert guidance.

Revenue-Based Financing

Alternative lenders offer revenue-based financing that heavily weighs your business's monthly revenue to determine maximum lending amounts. Repayment is typically made via fixed daily payments for a predetermined term.

Term Loans

Business term loans provide lump sum funding for major purchases, expansion projects, or debt consolidation. Terms typically range from 1-10 years with fixed or variable interest rates, making them ideal for significant business investments.

SBA Loans

SBA loans offer some of the most favorable terms available to qualified businesses. These government-backed loans provide longer repayment terms and competitive interest rates for established businesses with strong financials.

Commercial Real Estate Loans

Commercial real estate financing allows businesses to purchase property, refinance existing mortgages, or access equity for expansion projects. These loans are secured by the property itself.

Equipment Financing

Equipment financing programs allow businesses to acquire necessary machinery, vehicles, and technology with the equipment itself serving as collateral. This preserves working capital while providing essential business tools.

Asset-Based Lending

Asset-based lending uses inventory, equipment, or receivables as collateral to secure larger funding amounts at competitive rates. This option is ideal for businesses with substantial assets but limited cash flow.

Restricted Industries

Some industries are considered high-risk and may face limitations: adult industries, airlines, auto dealerships, bitcoin companies, churches, collection agencies, check cashing companies, bail bond companies, and debt consolidation companies may have limited options for certain funding types.

Preferred Industries

Many industries have excellent funding opportunities, particularly those with stable cash flows: retail operations, medical practices, restaurants, pharmacies, manufacturing, and professional services typically have access to a wide range of funding options.