š Want $30K in business credit without using your SSN? Apply with lenders who offer no-PG (personal guarantee) cards once your business credit is strong. Two examples: Samās Club Business Mastercard (reports to D&B). Divvy Smart Credit (great for startups). š Drop š„ if youād like me to list more no-PG lenders. List to drop- No-PG Business Credit Roadmap Goal: Build 5ā10 strong trade lines ā graduate into $10kā$50k no-PG approvals. Step 1 ā Foundation (Day 1ā30) ā
Set up a fundable business profile: - LLC, EIN, business bank account - Business phone #, email, domain - Business address (not home if possible) - List with 411 Directory š Without this, no lender takes you seriously. Step 2 ā Starter Vendors (Net-30 Accounts) Apply for vendors that: Approve new businesses Report to D&B, Experian, Equifax Top Starter Vendors: - Uline (office/shipping supplies) - Quill (office supplies) - Grainger (industrial supplies) - Summa Office Supplies (easy approval) - Crown Office Supplies ā” Tip: Order small items monthly ($50ā$100), pay before due date Step 3 ā Mid-Tier Vendors (Net-30 / Net-55) Once 3ā4 starter accounts report (30ā60 days): - Staples Business Advantage - Office Depot / OfficeMax - Loweās Business Account - Home Depot Commercial Account These usually grow into $5kā$15k limits. Step 4 ā Fuel & Fleet Cards (No PG) Great for easy approvals + building stronger reports: - WEX Fleet Card - Shell Small Business Card - BP Business Solutions - ExxonMobil Fleet - Chevron/Texaco Business ā” Fuel cards report high limits, which boosts your profile quickly. Step 5 ā Retail & Store Cards (No PG) With 5ā7 trade lines + PAYDEX 80+: - Amazon Business Line of Credit - Dell Business Credit - Apple Business Account - Best Buy Business These accounts often start around $2kā$10k. Step 6 ā High-Limit No-PG Cards & LOCs Now your business credit profile is strong enough for major players: