Organic Business Credit Reviews (2026): Real Results from Real Businesses

Updated January 2026 • 10 min read

TL;DR

Organic Business Credit offers three business credit building programs: DIY Self-Paced ($49/month), Done With You ($397 one-time), and Done For You ($1,997 one-time). The programs focus on building credit without personal guarantees using strategic vendor relationships and a proven 60-day system. Results typically show within 90 days with credit access ranging from $50K-$250K within 6-12 months.

Program Overview

Organic Business Credit is a business credit building program founded by Rohan Ramlackhan, based in Winter Garden, Florida. The program focuses on helping businesses establish credit under their EIN without requiring personal guarantees.

Key Program Details

Programs: DIY Self-Paced, Done With You, Done For You
Pricing: $49/month to $1,997 one-time
Focus: Building business credit without personal guarantees
Timeline: 60-90 days to establish foundation
Credit access: $50K-$250K typical within 6-12 months
Guarantee: 30-day money-back policy

Pricing Breakdown

DIY Self-Paced

$49

per month

Complete training library, vendor lists, templates, community access. Cancel anytime.

Done With You

$397

one-time

60-day guided implementation, weekly sessions, direct support, lifetime access.

Done For You

$1,997

one-time

Full-service implementation, dedicated account manager, weekly progress reports.

All programs include the complete vendor database, strategic application sequences, and implementation guides. The difference is the level of support and whether you implement yourself or have guidance/done-for-you service.

What Clients Say

Common Positive Feedback

Clear step-by-step process
Vendor lists save significant research time
One-time payment (no subscriptions)
System works without personal guarantees
Lifetime access to updates
Responsive support team

Areas to Consider

DIY requires active implementation
Best results with existing revenue
Timeline requires patience (60-90 days)
Not a done-for-you at lower tiers

How The Program Works

Phase 1: Foundation (Week 1-2)

Business entity verification, EIN and DUNS setup, business listing establishment. This creates the foundation that credit bureaus and vendors need to see.

Phase 2: Tier-1 Vendors (Week 3-4)

Apply for store credit accounts and net-30 vendor relationships. These are the easiest to get approved for and start building your payment history.

Phase 3: Tier-2 Credit (Week 5-6)

Fleet cards, business store cards, and higher limit products. With tier-1 accounts reporting, you qualify for these more valuable accounts.

Phase 4: Business Credit Cards (Week 7-8)

Apply for business credit cards with no personal guarantee options. Your established vendor history makes approval much more likely.

Organic Business Credit vs Competitors

Feature	Organic Business Credit	Credit Suite	Nav
Starting Price	$49/mo or $397	$997+	$49/mo
Payment Type	One-time available	Tiers/ongoing	Subscription
Vendor Lists	50+ included	Included	Limited
Timeline	60-90 days	90-120 days	3-6 months
Lifetime Access	Yes	Varies	No (subscription)

Who This Is Best For

Ideal Clients

Established businesses with revenue
1+ years in business
Want to protect personal credit
Willing to implement a system
Need funding without PG
Prefer one-time investment

May Not Be Ideal For

Brand new businesses (under 6 months)
Businesses with no revenue yet
Those wanting 100% hands-off service at low price
Companies expecting instant results

Money-Back Guarantee

Organic Business Credit offers a 30-day money-back guarantee on all programs:

Full refund within 30 days
No questions asked policy
Try the system risk-free
Review all materials and vendor lists
Begin foundation phase implementation
Decide to continue or request refund

Getting Started

Book a free strategy call — Review your business situation and goals

Choose your program — DIY, Done With You, or Done For You

Get immediate access — Start reviewing materials and vendor lists

Begin foundation phase — Follow the step-by-step system

Build vendor accounts — Apply to tier-1 and tier-2 vendors

Establish business credit — Access credit cards and higher limits

Frequently Asked Questions

Does this really work without personal guarantees?

Yes. The system focuses on building credit through vendors that report to business credit bureaus without requiring personal credit checks or guarantees. Once your business has established credit history, many lenders extend credit based solely on your business profile.

How long until I see results?

Most clients see their first accounts reporting within 60-90 days. Building substantial credit with higher limits typically takes 6-12 months. The foundation phase creates the structure, then credit builds over time with consistent payments.

What if I have bad personal credit?

Business credit is separate from personal credit. Our system builds credit under your business EIN, not your SSN. Many clients with poor personal credit successfully build strong business credit profiles using this approach.

Is this a subscription or one-time payment?

The DIY Self-Paced option is $49/month (cancel anytime). The Done With You ($397) and Done For You ($1,997) programs are one-time payments with lifetime access.

What support is included?

DIY includes community access and monthly Q&A calls. Done With You includes weekly implementation sessions and direct access to guidance. Done For You includes a dedicated account manager and weekly progress reports.

Can brand new businesses use this system?

New businesses need the proper foundation first: registered entity, EIN, business bank account, phone, and address. Once these are in place, even new businesses can begin building credit, though the timeline may be slightly longer.

What's included in the programs?

All programs include: complete vendor database (50+ vendors), strategic application sequences, implementation guides, and credit monitoring recommendations. Higher tiers add personal guidance, weekly sessions, and done-for-you implementation.

Is there a money-back guarantee?

Yes, all programs include a 30-day money-back guarantee. If you're not satisfied with the materials and approach, you can request a full refund within 30 days.

Ready to Build Your Business Credit?

Book a free strategy call to learn which program is right for your business. We'll review your situation, discuss your goals, and show you exactly how to get started.

Schedule Your Free Strategy Call