Most entrepreneurs never separate the two — and that’s why they stay stuck.
👉 Using personal credit means:
• You carry all the risk.
• Your utilization tanks your score.
• Banks see you as a “hobby” business.
👉 Building business credit means:
• Approvals tied to your EIN, not your SSN.
• Higher limits built for growth.
• Protection for your personal assets.
The difference? One path keeps you hustling paycheck to paycheck. The other creates a scalable legacy with access to 6–7 figures in funding.