What is business credit?
Business credit is a credit profile established under your business's EIN (Employer Identification Number) that's separate from your personal credit. Unlike personal credit, business credit allows you to access funding, vendor accounts, and credit cards in your company's name without tying your personal SSN or credit score to the accounts. This separation protects your personal finances while building your company's financial credibility.
How is business credit different from personal credit?
Business credit is tied to your company's EIN and doesn't appear on your personal credit report, while personal credit is tied to your SSN. Business credit evaluates your company's financial history, payment patterns, and business structure rather than your personal income or credit score. Additionally, business credit typically offers higher limits and better terms for established businesses, and it keeps business expenses separate from personal finances.
Can I build business credit without a personal guarantee?
Yes, you can build business credit without personal guarantees once your business credit profile is properly established. Our system focuses on building "organic" business credit by establishing accounts with vendors and lenders that report to business credit bureaus without requiring personal guarantees. This is the core of what we teach in our program—how to strategically build credit that truly separates your business from your personal finances.
How long does it take to build business credit?
Most businesses can establish a foundational business credit profile within 3-6 months following our system. However, building substantial credit with higher limits typically takes 6-12 months of consistent account management and on-time payments. The timeline depends on your business's current structure, how quickly you implement the steps, and your payment consistency with the accounts you establish.
Do I need good personal credit to build business credit?
No, you don't need good personal credit to start building business credit. Business credit is evaluated separately based on your company's structure, payment history, and business relationships. That said, having your business fundamentals in place—like a registered business entity, EIN, business address, and business bank account—is more important than your personal credit score when building organic business credit.
What is a DUNS number and do I need one?
A DUNS number is a unique nine-digit identifier issued by Dun & Bradstreet that tracks your business credit profile, similar to how your SSN tracks personal credit. Yes, you need a DUNS number to build business credit because it's required by most major business credit bureaus and many lenders who report business credit. Obtaining a DUNS number is free and is one of the first steps in establishing your business credit foundation.
What types of business credit can I get?
You can access several types of business credit including vendor accounts (net-30/net-60 terms), fleet cards (gas cards), business credit cards, business lines of credit, and equipment financing. Our program focuses on starting with vendor accounts that report to business credit bureaus, then strategically moving to higher-value credit products as your business credit score improves. Each type of credit serves different business needs and helps build your overall credit profile.
Will building business credit affect my personal credit score?
No, properly structured business credit does not affect your personal credit score because it's reported under your business's EIN, not your SSN. This is one of the major benefits of building organic business credit—it keeps your business finances completely separate from your personal credit profile. However, if you sign a personal guarantee on a business account, that specific account could potentially impact your personal credit.
How much does it cost to work with Organic Business Credit?
We offer three program options: DIY Self-Paced at $49/month for those who prefer learning independently, Done With You at $397 one-time for guided 60-day implementation with personal support, and Done For You at $1,997 one-time where we handle everything for you. Each option includes our proven system and resources for building business credit without personal guarantees.
What's included in the programs?
All programs include our complete business credit building system with step-by-step instructions, vendor lists that report to business credit bureaus, application strategies, timeline roadmaps, and support resources. Higher tier programs add personal guidance, weekly sessions, direct access to Rohan, and in the Done For You option, we handle all applications on your behalf.
Who is the ideal client for this program?
We work with business owners at all stages—from startups just getting started to established businesses doing $500K+ in revenue. If you're looking to separate your business finances from your personal credit, access funding without personal guarantees, and build long-term financial credibility for your company, our programs are designed for you. We have options for self-starters, those who want guidance, and busy owners who want hands-off implementation.
Do you offer payment plans?
The DIY option is $49/month which functions as an ongoing subscription you can cancel anytime. The Done With You ($397) and Done For You ($1,997) programs are one-time payments that give you immediate access to the complete system without recurring charges.
How is this different from other business credit programs?
Our program focuses on organic business credit building—establishing real credit relationships without gimmicks, without personal guarantees, and without expensive monthly subscriptions. We teach you the proven process that builds sustainable business credit rather than quick fixes that don't last. You're getting a complete system starting at $49/month versus programs that charge $200-500 per month with the same information.
Can brand new businesses build business credit?
Yes, but you need the proper foundation first. Your business must be registered as a legal entity (LLC, Corporation, etc.), have an EIN, a business bank account, a business phone number, and a physical business address. Once these fundamentals are in place, even new businesses can begin building business credit using our system. The key is following the right sequence and establishing the proper business structure before applying for credit.
What if I've been denied business credit before?
Previous denials don't disqualify you from building business credit with our system. Most denials happen because business owners apply for the wrong types of credit at the wrong time or haven't established the proper business credit foundation first. Our program teaches you the strategic sequence—starting with accounts designed for businesses with no credit history, then building from there. If your business fundamentals are in place, you can start fresh with our proven approach.