Track B
Business & Corporate Credit
Forming the entity makes it exist. This is the work that makes it fundable — a DUNS number, trade lines that actually report, a PAYDEX score, and eventually credit that no longer needs your signature behind it. Track B, kept entirely separate from your personal file.
Business Identity & Credit Foundation
Bureaus and underwriters check whether the business is real and consistent before they score it. Name, address, phone and domain need to match across every filing, listing and application you have made.
Business Identity Setup
A dedicated business address and phone number rather than your home and cell, plus a business email on your own domain. Several lenders weight these in underwriting, and a @gmail address on an application is noticed.
Talk to a specialistBusiness Banking Setup
Opening a dedicated business checking account so every dollar in and out of the business runs through it, and nothing personal ever does. This is the other half of the separation the personal track starts.
Talk to a specialistDUNS Number Registration
Registering with Dun & Bradstreet for your DUNS number — free from dnb.com and the foundation your entire business credit file is built on. We prepare the record so the details match your state filing exactly.
Talk to a specialistBusiness Bureau Registration
Establishing your file with Experian Business and Equifax Business alongside D&B, so vendor reporting lands somewhere rather than into a file that does not yet exist.
Talk to a specialistBookkeeping Setup
Clean books from day one in QuickBooks, Wave or with a bookkeeper. Lenders and licensing bodies both ask for financials, and reconstructing a year of them retroactively costs more than keeping them.
Talk to a specialistSAM.gov Registration
Federal contracting registration — free, required for any federal bid, and worth completing early since the validation step can take weeks you will not want to spend later.
Talk to a specialist
Trade Lines & Business Credit File
A business credit score needs reporting activity to exist at all. These are the accounts that generate it, in the order that actually works.
Net-30 Vendor Accounts
Opening three to five starter vendor accounts that report to the business bureaus — Uline, Grainger, Quill, Summa Office Supplies and similar — with real purchases behind them rather than token orders.
Talk to a specialistPAYDEX Management
Paying every trade line early, not merely on time. PAYDEX rewards early payment in a way personal FICO does not: on time is a 80, consistently early is what moves you toward 100.
Talk to a specialistBusiness Credit Monitoring
Watching D&B PAYDEX, Experian Business, Equifax Business and the FICO SBSS score underwriters increasingly use — monthly, once the file is active, since business reports change faster than personal ones.
Talk to a specialistBusiness Credit Card Readiness
After three to six months of reporting history, applying for a business card — including which issuers may waive the personal guarantee, and why being asked for one early is normal rather than a failure.
Talk to a specialistLine of Credit & Loan Readiness
Preparing the revenue history, financials and banking relationship a lender wants before you ask, typically at the six to twelve month mark rather than on day one.
Talk to a specialistTrade Line Reporting Audit
Confirming that the accounts you are paying are actually reporting to the bureaus you think they are. An unreported Net-30 builds nothing but a payment habit.
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Funding, Certifications & Growth
The multi-year goal of the business track is credit that stands on the business alone. Personal guarantees are a bridge to that, not the destination.
Personal Guarantee Reduction
A staged plan to build enough business history that new credit no longer requires your signature behind it — and to revisit the guarantees already given as the file matures.
Talk to a specialistEquipment Financing & Larger Trade Lines
Graduating from Net-30 office suppliers to equipment financing and substantial trade lines, which is where business credit starts affecting what the business can actually do.
Talk to a specialistSBA Loan Readiness
Preparing for the SBA 7(a) and 504 programmes once you have two or more years of financials, including the documentation package these applications turn on.
Talk to a specialistBanking Relationship Building
Getting in front of a business banker who knows your file. A banker who knows you unlocks terms that shopping cold never will, and that relationship takes time to be worth anything.
Talk to a specialistSet-Aside Certifications
Researching and preparing the federal certifications you may qualify for — 8(a), WOSB, VOSB and HUBZone through sba.gov — alongside your SAM.gov registration.
Talk to a specialistAnnual Structure Review
Revisiting your entity structure each year with a CPA as revenue grows, since tax elections such as S corporation status start making sense at particular income levels rather than at formation.
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