You’re not tired, you’re evolving. Growth feels like pressure at first.

Stop waiting for motivation. Discipline is what will change your business.

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Your goal is to increase the number of trade lines that report positive payment history under your EIN. More reporting vendors → more established business credit history → higher chances for larger limits and approvals. Action steps 1. Choose vendors that report to business credit bureaus. Common categories: office supplies, shipping, construction supplies, business services. (If you want, I can give vendor recommendations tailored to your industry.) 2. Apply for net-30 or vendor credit accounts. When applying, use your business name and EIN (not your SSN) if possible. If they ask for personal guarantee, be prepared. 3. Start small and pay on time. Use the account for a small, necessary purchase and pay on or before terms to ensure “positive” trade reporting. 4. Confirm reporting. After 30–90 days, check your business credit profiles (Dun & Bradstreet, Experian Business, Equifax Biz, Nav) to confirm the new trade line posted. 5. Repeat until you have 2+ new positive tradelines. Sample outreach script to vendor: Hi [Vendor], I’m opening an account for [Business Name, EIN]. Do you report vendor payment history to business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business)? I’d like to set up a net-30 account if possible. Thanks, [Name] Expect 30–90 days to see reporting; start immediately. Some vendors don’t report or only report to one bureau, diversify the types of vendors.

Increase your business credit limits Goal: raise available credit so utilization falls and your credit profile looks stronger. Higher limits → lower utilization % → 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 you’ve 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]. We’ve had a strong payment history and growing revenue. I’d 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 1–4 weeks per request depending on the lender. Don’t request too many increases at once, stagger them to avoid extra reviews.