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Business Credit
Builder

Get business Credit for your EIN with no Personal Guarantee!

Every successful business requires credit. The best way to build your business’ financial power is to raise credit for your business. 

Get access to capital even when you can’t qualify for a loan

Business Credit Benefits

HIGH-Limit Revolving Credit Cards

Get Approved for Cards in Your Business Name with No Personal Guarantee

Get Your Business Credit Profile Quickly Setup and Activated

Get Your Business Credit Profile Quickly Setup and Activated with D&B, Experian, and Equifax Commercial Saving You Time and Money

Receive Concierge Coaching and Servicing

3Cipher Financial Advisors Will Help You Easily Navigate the Corporate Credit Building Process

Access the Largest Supply of Business Credit Sources

Get Vendor, Store, Fleet, and Cash Credit Linked to Your EIN and Not Your SSN

Business Credit Secret Decoded

Build your Business Credit in 4 easy steps

We help you understand and meet the secret, unpublished, underwriting requirements that lenders and credit issuers have, so you’ll know you can get approved before you even apply.

We assist you with filing for the best entity type to help eliminate your personal liability, setup your business address to meet credit issuer standards so you can get automated approvals, obtaining your business phone, fax, and toll-free number that meets lender’s 5 essential qualification requirements, and getting you listed with 411 saving you $400 annually.

We also assist you in setting up your email address, website, and ensuring you have the proper licenses and online listings that lenders and credit issuers look for, and avoiding restricted industry business names that will automatically get you red flagged and denied for credit and financing.

Credit Suite decodes credit issuer and lender approval requirements, so you’ll be able to get automated approvals when you apply for credit, instead of getting denied or facing an uphill battle with manual underwriting reviews. We do this by providing you these unique benefits in the first step of your business credit building process:

  • 411 Credibility Listing
  • EIN and Entity Setup Assistance
  • Business Name Credibility Check
  • Business Address Creditability Check
  • Business Phone Credibility Check
  • Website and Email Credibility Check
  • Business Bank Account Setup Assistance

We make it easy for you to setup your business credibly so you can get the most amount of credit and financing for your business.

Through our Business Credit Builder, we help you get set up and activate your credit profiles with Dun & Bradstreet, Experian, and Equifax Commercial, as well as access your free D-U-N-S number with D&B.

And you can also enjoy our unique credit monitoring integration with Dun & Bradstreet, Experian, and Equifax that’s powered by Nav.

This way, you can monitor your business credit building in real time and receive email alerts when new accounts are added, monitoring your tradelines as they are added to your report.

Credit Suite helps you:

  • Get Setup with D&B, Experian, and Equifax
  • Get Exclusive Business Credit Report and Score Training
  • Access Your D&B, Experian, and Equifax Credit Reports and Scores through Nav

Even one derogatory item on your business credit reports can get you denied for loans and credit cards. Your Business Credit Builder provides you an easy way to dispute and fix inaccurate and harmful information on your business reports with D&B, Experian, and Equifax, so you can have a strong business credit profile and score to get approved for the most money at the best terms.   

We help you get setup initially with the business reporting agencies, fix credit inaccuracies, and monitor your business credit as you start to obtain HIGH-limit revolving credit and auto loans.

Getting approved for initial business credit when you have none reporting now, is where most business owners fail building business credit. This is because over 97% of trade vendors don’t report to the business credit reporting agencies.

Credit Suite helps you obtain real usable credit with trade vendors who will give you EIN credit with no personal guarantee, even when you have none reporting on your business reports now.

These trade vendors provide products and services you use now, and give you credit that helps you ease cash flow constraints.  Here’s what you should know about the trade credit we help you secure:

  • Get Approved Even as a Startup
  • No Cash-Flow Requirements and No Bank Statements or Tax Returns Required for Approval
  • This Credit is Unsecured and There is No Collateral Required for Approval
  • Get Approved with No Personal Guarantee

Your new credit reports to Dun & Bradstreet, Experian, and Equifax Commercial helping you establish your initial tradelines, reports, and scores with all three major reporting agencies, that are needed to start getting store, fleet, and cash credit.

If you do have good personal credit, you can also qualify for our Credit Line Hybrid Program where you can enjoy:

  • Unsecured Cash Credit Lines up to $150,000
  • 0% Interest Rates for 6-18 Months
  • No-Doc Approvals where You Can Get Approved Even as a Startup

Whether you use our vendor accounts to build your initial business credit, or take advantage of our Credit Line Hybrid program, you’ll get your initial business credit profiles and scores established with D&B, Equifax, and Experian, so you can start to secure HIGH-limit revolving credit from stores as well as fleet and cash sources, without a personal guarantee.

Once your initial business credit is established, you’ll start to get access to high-limit revolving credit cards in your business name that are linked to your EIN number.  This credit requires no personal guarantee for approval.  You’ll be able to secure:

  • Store business credit with many major national retailers
  • Fleet credit for fuel and auto vehicle repairs for your primary vehicle, and a fleet of commercial vehicles
  • Cash credit including Visa and MasterCard accounts you can use in most locations worldwide
  • Auto vehicle financing to purchase or lease your primary vehicle or a fleet of vehicles, in your business name

Our Business Credit Builder helps you obtain credit with places like Amazon, Dell, Apple, BP, Chevron, and most other major retailers with individual credit limits of $10,000-$50,000. Plus, you can see each credit issuer’s underwriting guidelines, so you’ll know you can get approved before you even apply.

You’ll also get access to high-limit, revolving fleet credit cards you can use at multiple locations for all types of vehicle needs including vehicle maintenance, tires, fuel, even major repairs. Fleet credit helps you cover your individual auto vehicle expenses, as well as those that occur when managing a fleet of vehicles. 

Plus, you’ll get access to high-limit, revolving CASH credit cards you can use at most stores worldwide. These Visa and MasterCard credit cards don’t require a personal guarantee for approval.

And, through your finance suite, you can get approved for auto vehicle financing that doesn’t require a personal guarantee for approval. You can access multiple funding sources, and finance one or more vehicles in your business name with no consumer credit reporting. 

We help you through the entire business credit building process for obtaining initial vendor accounts to start building business credit, to obtaining high-limit store and fleet credit cards, to getting approved for cash credit and auto vehicle financing, all of which requires no personal guarantee.

Become the 1% of the Entrepreneurs

Include yourself in the fraction of entrepreneurs who can raise over $157,000 credit readily available, without personal guarantees

Business credit is so lucrative, that even business schools don’t teach you. Now, you can raise capital over $157,000 readily available, without a personal guarantee. Risk-free, it’s the New 3Cipher Business Credit Mastery.

Don’t be the remaining 98% who are making fatal mistakes by using their personal credit for businesses.

Personal Credit
0%

Personal Credit Risk Factor

  • Requires personal guarantees for loans, credit lines, and credit cards
  • Lowers personal credit scores due to high credit utilization for consumer credit cards
  • Putting personal liabilities. Possibly putting the family’s savings and assets at high risk
  • Lower credit and funding amounts.
Business Credit
0%

Business Credit Risk Factor

  • Requires NO personal guarantees for loans, credit lines, and credit cards
  • DOES NOT lower personal credit scores due to high credit utilization for consumer credit cards 
  • DOES NOT put personal liabilities. NO risk of putting the family’s savings and assets at high risk
  • More spend on business = Higher credit amount

Business Credit Builder Software

Business credit is a complex matter to tackle.

It needs up-to-date knowledge that are sometimes unavailable to the public.

To add, you may need an above-average financial literacy and training to grasp and harness its benefits.

Luckily. the best way to go about learning and using this complex matter is to learn from an intuitive, process-proven software.

business Credit Building Software

Business credit is a complex matter to tackle. It needs up-to-date knowledge that are sometimes unavailable to the public.

To add, you may need an above-average financial literacy and training to grasp and harness its benefits. Luckily. the best way to go about learning and using this complex matter is to learn from an intuitive, process-proven software.

Business Credit Building Software Walkthrough

  • Items in checklist to keep track of progress
  • In-depth information that is easy to learn and understand

  • Only in 3Cipher can you learn the blueprint of credit-building.
  • Your time is valuable! Access exclusive contents at your convenience. 

We know how busy your schedule is like. Every step of your way, our expert advisory team is tracking so we know exactly how and when to help you.


Our software works on any device, so you can access and use our services anywhere, anytime.

Schedule A Free 30-Minute Consultation

Our Financial Expert Advisor will personally reach out to answer all of your questions.

Schedule a free 30-Minute Consultation

Our Financial Expert Advisor will personally reach out to answer all of your questions.

Our Support and Sales Team is available 24/7 to answer your queries

Our Support and Sales Team is available 24/7 to answer your queries

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