Application Approval Pointers:

1.  It is better to have an LLC or Corporation.  Sole Proprietorships may be denied credit

2.  List your business telephone number with 411

3.  You must have an FEIN number one can be obtained on the IRS website for free

4.  Yes, it is worth it to pay for the D&B Credit Builder Program.  Make sure your telephone number and addresses are correct.  If you have a NV corporation, be sure your NV corporate address is listed and if you are in another state like Wisconsin, list your WI address as a branch.  D & B will provide you with a separate branch D&B number which will be linked to your main D&B number.

5.  If you need a guarantor for credit approval, you must list that guarantor as a 100% business owner and if anyone in the company that needs a card has bad credit it is best to order their card After you receive approval so that their credit is not considered in the application.

6.  Even if you have recently filed your corporation.  Most of us have already been in business for 2+ years.  So always provide lenders with your original start date and only the filing date if asked.

7.  If your business has no credit established its best to request low credit limits to start out.  For Vendors, request 1000-5000.00 limits on your applications.  For Credit Cards Request $5000-$10,000 and for Unsecured Business Lines of Credit Request $10,000.00 to $25,000.00.  You can always request a credit increase in 30-60 days after proving you can make timely payments.  

8.  You should have a separate business bank account

9.  And for the last pointer… Remember, for the list you are about to receive, the income of your business is stated by your word.  In today’s market lenders will only lend you between 8 and 10% of your stated gross revenue.

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