🚀 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: Sam’s Club Business Mastercard (reports to D&B). Divvy Smart Credit (great for startups). 👉 Drop 🔥 if you’d like me to list more no-PG lenders. List to drop- No-PG Business Credit Roadmap Goal: Build 5–10 strong trade lines → graduate into $10k–$50k no-PG approvals. Step 1 – Foundation (Day 1–30) ✅ 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 👉 Without this, no lender takes you seriously. Step 2 – 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 ⚡ Tip: Order small items monthly ($50–$100), pay before due date Step 3 – Mid-Tier Vendors (Net-30 / Net-55) Once 3–4 starter accounts report (30–60 days): - Staples Business Advantage - Office Depot / OfficeMax - Lowe’s Business Account - Home Depot Commercial Account These usually grow into $5k–$15k limits. Step 4 – 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 ⚡ Fuel cards report high limits, which boosts your profile quickly. Step 5 – Retail & Store Cards (No PG) With 5–7 trade lines + PAYDEX 80+: - Amazon Business Line of Credit - Dell Business Credit - Apple Business Account - Best Buy Business These accounts often start around $2k–$10k. Step 6 – High-Limit No-PG Cards & LOCs Now your business credit profile is strong enough for major players: