Business Finance
Business Credit Building
Stop personally guaranteeing everything. Build credit your business actually owns.
12 lessons4 modules9h 0m durationbeginner level
About this course
Most new owners unknowingly tie every business obligation to their personal Social Security Number and FICO score, capping how much they can borrow and putting personal assets at risk. This course walks you through the exact sequence lenders and bureaus expect: forming a compliant entity, opening the right accounts, getting a D-U-N-S Number and PAYDEX score, and layering Net-30 vendors into revolving and cash credit. Every lesson is built around named tools, real score thresholds, and worked examples you can act on the same week.
Curriculum
Module 1: The Foundation: Separating Business and Personal Credit
- Why Separation Matters: Liability, Limits, and LeveragePreview
- Entity Structure and the EIN: Your Legal Foundation🔒
- Banking, Address, and Phone: The Compliance Layer🔒
Module 2: Registering with the Credit Bureaus and Dun & Bradstreet
- The Three Business Credit Bureaus🔒
- Getting Your D-U-N-S Number from Dun & Bradstreet🔒
- Inside Your D&B File: SER, Viability, and Data Accuracy🔒
Module 3: Qualifying for Your First Trade Lines
- What Trade Lines Are and How They Report🔒
- Starter Vendors and the Net-30 Ladder🔒
- Building PAYDEX: Payment Behavior That Scores🔒
Module 4: Climbing the Ladder: Store, Fleet, and Cash Credit
- Tier 2 and Tier 3: Store and Fleet Credit🔒
- Tier 4: Bank Credit and the Personal Guarantee Question🔒
- Monitor, Dispute, and Protect Your Profile🔒
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