CREDITbility Pros

How It Works

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HOW IT WORKS
5 Simple Phases

We will help you quickly build business credit and get approved for business funding, even if you’ve experienced challenges with your personal credit. Our Business Credit Builder and Finance Suite will provide you with a simple, step-by-step system to help you establish strong business credit and maximize your financing opportunities.


Phase 1

Foundation

Lending institutions are required to see that your business is in a good lending status.  We guide you through the application process, a 20-point lending compliance check and corporate documentation review.

Upon completion, we reveal exactly what the banks are looking for to ensure you meet the lenders criteria, before your application is submitted for approval.


Phase 2

Credit Analysis

Your information is cross-checked against underwriting guidelines for over 2,100 finance institutions. And, you can be pre-approved for several of our 30+ funding programs, including loans and unsecured business lines of credit.

You will have access to a countless number of different lenders, a myriad of direct finance sources, hundreds of thousands of dollars in funding and business credit for your business.

By offering an array of financing sources and products, we give you, as a business owner, the best chance of being approved.


Phase 3

Reporting Agencies

This phase of our process involves a comprehensive  look at business credit reporting agencies.

The goals at this stage, assisted by our full-service business credit  adviser team, include: Searches to see if your business is listed with each bureau, verifying all information if your business is listed; updating any inaccurate data on your current reports, and applying for a FREE DUNS number, if you don’t currently have one, at no additional cost to you.

Our system lets you monitor your business credit reports in real time as you are building your business credit. And, this is the only system where you can access a DUNS number and Experian Smart Business credit report at no cost.


Phase 4

Accounts to Credit

In phase 4, we help you get approved for vendor accounts and trade lines in your business name that report to the appropriate business credit reporting agencies. Once the new accounts are reported, you are awarded with an exceptional business credit score that we then help you leverage to get approved for even more business credit.

Now you can be approved for revolving store credit with places like Staples, Lowe’s, Home Depot, Walmart, Costco, BP, Sam’s Club, Dell, and many others. You can also be approved for high limit credit cards up to ($10,000) with some national retail stores as well as MasterCard and Visa credit cards that you can use almost anywhere.


PHASE 5

Funding

In the final phase, you will have the opportunity to apply for a variety of funding programs if you qualify. If you do not qualify for a particular program, we will provide you the basic requirements needed for eligibility.

The types of funding you will learn about in the system include but are not limited to the following:

Credit Line Hybrid Financing is perfect for entrepreneurs who are just starting their business as well as those who are already well established. You can be approved for up to $150,000 in 0%, unsecured, no-doc, business financing with no collateral or cash flow requirements.

Accounts Receivable Financing works like a line of credit on your accounts receivable. You receive an immediate cash advance when you invoice your customer for products or services.

Equipment lease financing, as opposed to straight equipment purchasing, greatly conserves cash flow and provides a huge boost to building business credit. Brand new businesses are welcome… even restaurants! You’ll be amazed at what qualifies as “equipment.”