What Is Business Credit?
Business credit is a financial profile established under your business's EIN (Employer Identification Number) that allows your company to access funding without using personal credit or requiring personal guarantees.
Unlike personal credit which uses your SSN and affects your personal financial life, business credit is completely separate. When you build business credit properly:
- You get approved for funding based on business credit, not personal credit scores
- You can access business credit cards without personal guarantees
- Vendors offer net-30 and net-60 payment terms based on business history
- Your personal credit isn't affected by business expenses or inquiries
- Your business builds its own independent financial identity
- Your personal assets (home, savings, vehicles) stay protected
How Much Does Organic Business Credit Cost?
Organic Business Credit offers three programs: DIY Self-Paced at $49/month, Done With You at $397 one-time, and Done For You at $1,997 one-time. All programs include a 30-day money-back guarantee.
| Program | Price | Best For |
|---|---|---|
| DIY Self-Paced | $49/month | Self-starters who prefer learning independently |
| Done With You (Most Popular) | $397 one-time | Business owners who want hands-on guidance |
| Done For You | $1,997 one-time | Busy owners who want hands-off implementation |
DIY Self-Paced - $49/month
Learn at your own pace with complete video training library, implementation guides and templates, vendor and credit card lists, credit monitoring setup guide, private community access, and monthly Q&A calls.
Done With You - $397 One-Time (Most Popular)
60-day guided implementation including personal foundation call (60 min), 8 weekly group implementation sessions, direct access to founder Rohan Ramlackhan, 1-on-1 guidance throughout, and lifetime resource access.
Done For You - $1,997 One-Time
We build your business credit for you with dedicated account manager, we handle all applications, weekly progress reports, vendor negotiations on your behalf, and priority support with fast-track setup.
How Long Does It Take to Build Business Credit?
With our 60-day system, most businesses establish a foundational business credit profile in 60-90 days. Building to $50,000-$250,000 in available credit typically takes 6-12 months with consistent implementation.
First 60 Days
- Business credit profile established with Dun & Bradstreet, Experian Business, and Equifax Business
- 10-15 vendor accounts opened and reporting
- First business credit card approval (typical range: $5,000-$15,000)
- Business credit monitoring active
- Personal credit stable or improving
6-12 Months
- Additional business credit cards obtained
- Higher combined credit limits ($25,000-$50,000 total)
- Net-30 payment terms from major vendors
- Business line of credit access opens
- No personal guarantees required for funding
Long-Term Results
- $50,000-$250,000+ in available business credit
- Business has independent financial identity
- Personal and business finances completely separated
- Access to capital scales with business, not personal credit
- Personal assets protected from business liability
Do I Need Good Personal Credit to Build Business Credit?
No. Business credit is evaluated separately from personal credit using your EIN, not your SSN. Even with poor personal credit, you can build strong business credit.
Business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business) evaluate your business based on:
- Business structure and registration
- Business payment history with vendors
- Business bank account history
- Time in business
- Business revenue
Your personal credit score is not a factor in business credit decisions when using vendors and credit products that don't require personal guarantees.
What Is a Personal Guarantee and Why Should I Avoid It?
A personal guarantee makes you personally liable for business debts. If your business can't pay, creditors can come after your personal assets including your home, savings, and vehicles. Our system builds credit WITHOUT personal guarantees to protect your personal assets.
When you sign a personal guarantee:
- You become personally responsible for the debt
- Creditors can pursue your personal assets if the business defaults
- The debt may appear on your personal credit report
- Your personal credit score can be affected by business payment history
Our program focuses exclusively on vendors and credit products that report to business credit bureaus using only your EIN, keeping your personal credit and assets protected.
Who Is Rohan Ramlackhan?
Rohan Ramlackhan is a business credit consultant and entrepreneur based in Winter Garden, Florida (Orlando area). He is the founder of Organic Business Credit and helps business owners establish credit profiles independent from personal credit.
Background:
- Based in Winter Garden, FL (Greater Orlando area)
- Experience running businesses including Massey Roofing
- Business Network International (BNI) member
- UCF Digital Marketing Certificate holder
- Firsthand experience with challenges business owners face accessing capital
Where Is Organic Business Credit Located?
Organic Business Credit is headquartered in Winter Garden, Florida, which is part of the Greater Orlando metro area. The company serves business owners throughout Florida and nationwide.
- Headquarters: Winter Garden, FL
- Florida focus: Orlando, Tampa, Miami, Jacksonville, Fort Lauderdale
- Service area: All 50 US states
- Contact: rohan@organicbusinesscredit.com
Is There a Money-Back Guarantee?
Yes. All Organic Business Credit programs include a 30-day full money-back guarantee. If you're not satisfied within 30 days, you can request a complete refund with no questions asked.
How Do I Get Started?
- Apply for a Strategy Call: Book a free 15-minute call to discuss your business situation
- Choose Your Program: Select DIY ($49/mo), Done With You ($397), or Done For You ($1,997)
- Start Implementation: Begin the 60-day system to build your business credit profile
- Build Credit: Follow the proven process to reach $50K-$250K in business credit
Contact: rohan@organicbusinesscredit.com
Website: organicbusinesscredit.com