• Almost everyone can benefit from cleaning up their personal credit and maintaining the best credit bureau report they can manage.

• E Z Financial offers programs that can substantially improve your personal FICO scores: Credit Repair, Credit Restoration, and Credit Sterilization. You can go cheap and long, or more costly with results in as little as 30 days.

• Banks WILL NOT lend to start-ups or to any business with less than two years of verifiable operations and at least six months of profitability. (Banks will loan to customers with solid financial resources and credit histories, but it will be a personal loan, not a true business loan.)

• Sooner or later, most new business owners will exhaust their reserves. And not just their resources, but those of their friends and family as well.

Building a good business credit history needs to be a goal of every new business:

a) First two (2) years – Totally dependent on owners, credit cards, and friends and family.

b) Year 3 and beyond - Low-cost financing programs might be offered by banks and finance companies but only if you qualify. If you don’t qualify and sales and profits aren’t growing, then you might as well close your doors and go get a job with someone else.

If you have a new business (or even just plan to start one), at the top of your “to-do” list should be a detailed plan to build your business credit. Most new entrepreneurs let it slide; they are just too busy managing a long list of “here and now” priorities that simply can’t wait. However, the potential rewards of building your business credit profile can’t be overstated. Unfortunately, rewards won’t accrue until later.

Actively work to build your business credit profile

If you don’t build your business credit profile

Minimal effect

Totally dependent on your own resources

Can help your business grow and prosper

Very high probably of failure

Most new business owners never realize they are in a race to become a “bankable” business before their own reserves run out. a) Nearly every new owner wants to think their sales and going to take off, their business will boom right off the starting line, and the money will just roll in... instant success! b) It can also be said that every new owner quickly realizes making their business successful just won’t happen without an on-going and continual investment of time and money. c) The sad truth is that most people don’t have the staying power to last for the long haul.

Our Business Credit Builder takes a comprehensive approach to guiding new business owners from the initial idea, through forming the most beneficial business entity, and every subsequent phase of the business... the goal is to take you all the way to a sustainable, bankable business meeting the SBA’s high standards to qualify for a government backed low-cost loan of $2M or more. Did you know that some nationwide business services and retail stores will not only offer you revolving credit in the name of your new business with little or no requirements and will report your on-time payments and account history to credit reporting services that help build your business credit history. Do you know who these vendors are? We do, and we offer specific guidance on who precisely to use. We can help you take specific steps to help your Business Credit and your business credit scores to grow.

a) Follow our advice, and as your business grows your business credit profile will steadily grow over your first two years of business.

b) There just might be a $2M SBA loan waiting for you at the end, in addition to low-rate loans from business finance and commercial bank lenders.

c) Odds are that small business neighbors who started about the same time as you, are going to still be struggling while you are reaping the rewards and success you deserve.