Increase your business credit limits Goal: raise available credit so utilization falls and your credit profile looks stronger. Higher limits ā lower utilization % ā stronger business credit scores and easier approvals. Action steps 1. List current accounts & limits. Make a table: lender/vendor, current limit, current balance, statement date, last on-time payment. 2. Prioritize who to ask. Start with accounts youāve had for 6+ months with on-time payments. 3. Prepare supporting evidence. Gather recent business bank statements, profit/loss, and evidence of on-time payments. 4. Request the increase. Use this script (email or phone): Hi [Account Rep Name], This is [Your Name] from [Business Name, EIN]. Weāve had a strong payment history and growing revenue. Iād like to request a credit limit increase from $[current] to $[requested]. I can provide recent bank statements and our latest P&L if needed. Could you please advise the process and timelines? Thanks, [Name] / [Phone] / [Email] 5. Follow up and document. If they ask for docs, send them and confirm receipt. Save any approval emails/screenshots. 6. If denied, ask why. Ask what criteria you need to meet to qualify and set a reapply date (e.g., 90 days). Start now. Expect 1ā4 weeks per request depending on the lender. Donāt request too many increases at once, stagger them to avoid extra reviews.