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Establish Business Credit for Your EIN with the Express Business Credit Program
To successfully run and grow your business, securing loans and credit lines at the best rates is crucial. Business credit is key to achieving this, enabling access to funds even when traditional loans aren’t an option.
The Express Business Credit Program assists you in establishing your business credit step by step, without requiring a personal guarantee or personal credit check. Our method is proven, thoroughly tested, approved by business owners, and highly personalized. With our user-friendly system and one-on-one credit advisory calls, you'll receive expert guidance throughout the entire process, making it easier than ever to obtain business credit.
Express Business Capital helps you:
Ensure your business is set up correctly to get automated loan approvals
Establish and activate your credit profile with Dun & Bradstreet, Experian, and Equifax Commercial, and obtain your free D-U-N-S number—an essential step for building strong business credit.
Obtain initial trade credit to build your business credit reports without needing a personal guarantee.
Obtain business credit without providing a personal guarantee.
Express Business Capital helps you properly set up your business to meet lender and credit issuer approval requirements, enabling you to get approved for initial business credit that reports to and builds your profile with Dun & Bradstreet, Experian, and Equifax Commercial.
Once your business is set up with the reporting agencies, we help you access multiple revolving credit lines with limits ranging from $5,000 to $50,000+!
We'll help you get approved for creditors who report to the major business credit bureaus:
Vendor Credit
With hundreds of available vendors
Retail Credit
With major national retailers
Fleet Credit
For auto repairs, fuel and tires
Service Credit
With service providers like graphic designers
Business Credit
Including Visa, Mastercard & American Express
Vehicle Financing
Purchase a fleet of vehicles in your company name
Equipment Financing
Purchase or lease most types of commercial equipment
Real Estate Financing
Purchase commercial or residential real estate for business use
Benefits of the Express Business Credit Program
Unlock High-Limit Revolving Credit Cards in Your Business's Name with No Personal Guarantee
Access the Largest Range of Business Credit Sources: Secure vendor credit, retail credit, service credit, fleet credit, and business credit cards linked to your EIN.
Receive Personalized Coaching and Support: Work with dedicated business credit advisors who will guide you effortlessly through the corporate credit building process.
Flexible Payment Plans: Enjoy our core and partner programs with affordable and customizable payment options.
Fast and Efficient Business Credit Profile Setup: Quickly set up and activate your business credit profile with Dun & Bradstreet, Experian, and Equifax Commercial, saving you both time and money.
Corporate Compliance Review: Ensure your business surpasses credit issuer and lender funding standards for automated approvals.
Comprehensive Credit and Financing Options: Access business credit and financing through your own finance suite.
FAQ's
What is Business Credit?
Business credit refers to a company's ability to borrow money or access other forms of financing based on its financial history and creditworthiness. This type of credit is separate from personal credit and is linked to the business's Employer Identification Number (EIN) rather than the owner's Social Security number.
What is a Business Credit Score?
A Credit Score is a rating number that is provided based on how you manage your business credit. This score tells creditors how creditworthy you are. The higher your score, the more trustworthy you are. Your business credit score varies by business credit reporting bureau.
The three main business credit reporting bureaus are Dun & Bradstreet, Experian Business, and Equifax Business. Each bureau uses different methods and scoring ranges to evaluate a business's credit profile.
1. Dun & Bradstreet (D&B) is one of the most well-known business credit reporting agencies. They use several scores and ratings to assess a business's creditworthiness:
Dun & Bradstreet PAYDEX® Score:
Range: 0 to 100
Purpose: Measures a business's payment performance based on trade experiences reported by vendors.
Scoring:
80-100: Low risk (prompt to early payments)
50-79: Medium risk (some late payments)
0-49: High risk (frequent late payments)
2. Experian Business offers several scores and reports to evaluate a company's creditworthiness:
Intelliscore Plus℠:
Range: 1 to 100
Purpose: Predicts the likelihood of serious credit delinquency.
Scoring:
76-100: Low risk
51-75: Low to medium risk
26-50: Medium risk
11-25: Medium to high risk
1-10: High risk
3. Equifax Business provides several key scores to assess business credit risk:
Equifax Business Credit Risk Score:
Range: 101 to 992
Purpose: Predicts the likelihood of a business becoming severely delinquent.
Scoring:
101-300: High risk
301-600: Medium risk
601-992: Low risk
Understanding these scores and how they are calculated helps businesses manage their credit profiles effectively, ensuring they can secure financing and favorable terms from lenders and suppliers.
What is Considered Good Business Credit?
D&B PAYDEX® Score: A score of 80 or higher is typically considered good. This indicates that the business consistently pays its bills on time or early.
Experian Business Intelliscore Plus℠: A score above 76 is generally considered good, indicating a lower risk of serious credit delinquency.
Equifax Business Credit Risk Score: A score above 601 is generally considered good, indicating a lower risk of severe delinquency.
What is Considered Bad Business Credit?
D&B PAYDEX® Score: A score below 50 is typically considered poor, indicating frequent late payments or significant delinquencies.
Experian Business Intelliscore Plus℠: A score below 26 is generally considered poor, indicating a higher risk of serious credit delinquency.
Equifax Business Credit Risk Score: Scores below 300 are generally considered poor, indicating a higher risk of severe delinquency.
How do I get my Free Business Credit Report?
Yes, you can typically get a free business credit report from each of the major business credit reporting bureaus: Dun & Bradstreet, Experian Business, and Equifax Business. However, the availability of free reports and the information included may vary depending on the bureau and your specific circumstances.
Here's how you can access free business credit reports:
1. D&B iUpdate: Registering for D&B iUpdate allows you to access your Dun & Bradstreet credit report for free. You can review your business's credit profile and ensure that the information is accurate and up-to-date.
2. Experian Business Credit Facts™: Experian offers free access to its Business Credit Facts™ platform, where you can view your Experian business credit report. This report provides information on your business's credit history, payment behavior, and credit scores.
3. Equifax Small Business: Equifax offers a free business credit report through its Small Business platform. You can register and obtain your Equifax business credit report, which includes details on your business's credit accounts, payment history, and credit scores.
