Your business phone number should reflect the local area code of the business address listed on the Secretary of States website. Use a local phone number so you can place it in the local 411 directory assistance. Vendors, lenders, business bureaus and clients expect a local number that makes sense. A simple online search of your phone number should bring your business name and business address up. A separate business phone number with a local prefix is important. You can do an internet search for local phone number providers. Some national providers include, QuickTalk, Grasshopper, and Freedom Voice. Never use your cell phone. There are no public directories for cell phone numbers due to privacy laws and the cost to phone companies if they make numbers publicly available. Once you find a phone provider to issue a local landline phone number with the area code of your business address, you can always have that number transferred to your cell phone number IF YOU MUST. If you do this, be sure to change your cell phone greeting to answer in your business name. Your cell phone voicemail must state the name of your business. I do not recommend (800) numbers either. An (800) number can’t be placed in the local phone directories. You CAN place (800) Numbers with online directories, business bureaus and place on credit applications. (800) numbers are great for sales leads or customer service lines but not for your main business phone number. Some phone directories to add your local number to include https://www.411.com/ http://www.listyourself.net/ListYourself/

Do you know what your business looks in a simple online search? Is your business easily found in an online search? It better or that is a RED flag to lenders. Is all the information you see congruent? You want to have accurate and congruent business information starting from the Secretary of State website, your website, business bureau files, and on online directories. You want to use that same information on all credit applications. Do you know what business address the Secretary of State has for your business? Check here: https://www.secstates.com/ Is this the address you are placing on credit applications? Is this the address business bureaus like Dun & Bradstreet have for you? Is this the address you use on your website and marketing pieces? It is vitally important to be easily found and have all the information the same. You don’t want to confuse lenders that are verifying the business information you place on your credit application. Make sure you are “funding” compliant.

If you are not using your credit lines, there is no reason for vendors or lenders to increase your credit lines. For all business owners. If you are using the credit lines you have and are paying them on-time, be sure to continuously ask for credit line increases. This is how you go from $5,000 to $10,000 to $25,000 or higher. Lenders love people that use their credit AND make aggressive payments on those lines. This goes for the business vendors you make frequent purchases from too. Every 6-months call and ask for a credit line increase. Do the same for all your personal and business credit cards too. Continue increasing your credit lines every chance you get. Get credit when you can, before you need it ASAP!

When helping clients form businesses, often I get asked: "Will my LLC really protect me from lawsuits?" Here's the truth nobody talks about. An LLC creates a legal wall between YOU and your business. But here's what most people get wrong: • They think it's bulletproof armor (it's not) • They assume it protects personal assets automatically • They believe registration alone is enough The reality? LLCs provide LIMITED Liability Protection. Key word = LIMITED. Here's what it actually does: ✅ Shields personal assets from business debts ✅ Protects you from partner's mistakes ✅ Separates business lawsuits from personal lawsuits But here's what it WON'T protect: ❌ Personal guarantees you signed ❌ Your own negligent actions ❌ Mixing personal/business finances The biggest mistake I see? People form an LLC then treat it like their personal piggy bank. They don’t keep good records of money flowing in and out of the LLC account. You MUST: • Keep separate bank accounts • Maintain proper records • Follow formalities • Never co-mingle funds Remember: An LLC isn't a magic lawsuit shield. It's a business structure that requires discipline. The protection is in the PROCESS, not just the paperwork.

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