Sep 3 • 🗣️General
Hello Millionaires!
🚀 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:
- Sam’s Club Business Mastercard (up to $50k)
- Costco Commercial Revolving
- Brex (cash flow based)
- Ramp
- Divvy
- BlueVine LOC (if strong revenue)
⚡ At this stage, you can stack $30k–$100k+ in no-PG credit without touching your personal score.
Step 7 – Keep Growing
- Always pay early (10–15 days early is gold).
- Use your cards regularly (even small spend).
- Every 6 months → ask for credit line increases.
✨ Millionaire Reminder:
This game is about patience + strategy. Move in order, let accounts report, and don’t skip levels. Do
this right, and you’ll have lenders chasing YOU.
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Hello Millionaires!
skool.com/thebossycollective
The Grant Queen👑
2 Million + funded in grants
Winning Grants & Credit for Business Owners 💼
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