$99 Business Credit Building Program

Our 501(c)(3) non-profit helps entrepreneurs build business credit and funding for their business REGARDLESS of personal credit scores (no personal guarantees) EVEN if pre-launch or a start-up.


The innovative and affordable $99 Business Credit Building Program provides a results-oriented solution to assist entrepreneurs and small business owners in getting business credit for your EIN that is not linked to your SSN.  Get approved even when you can't qualify for a business loan with no cash flow nor collateral requirements.


For example, even start-ups can often qualify for a business Mastercard (no personal guarantee) for up to $10,000.  This can be used as initial working capital or even to move balances off your personal cards lowering your utilization ratio resulting in a near immediate boost in credit scores.




The $99 Business Credit Building Program is actually $2,500 but is grant-subsidized reducing your up-front, out of pocket expense to only $99.  We'll help you build your business credit (that is not linked to your SSN) step by step using a proven, field tested, business owner approved, and highly personalized process.  As a non-profit, our focus is on helping you not paying shareholders.


As you build your business credit, you should understand that you may incur incidental costs outside of the $99 Program fee.  For example, building business credit means that you are getting approved for trade lines and need to pay your bills on time, i.e., if you buy a new vehicle on business credit, you'd have to pay the monthy payments.  Another example is business credit reports.  



  • Assistance with setting up your business to meet lender and credit issuer credibility standards to get automated approvals.
  • Set up and activate your credit profile with the business credit bureaus, i.e., Dun & Bradstreet, Experian Business, etc. and get your free DUNS number which is essential to building great business credit.
  • Get initial trade credit to build your business credit reports with no personal credit check.
  • Monthly review and analysis of your business credit reports (purchase of the reports is seperate).
  • Great on-going support and assistance as you'll be assigned a designated Business Credit Analyst who will schedule weekly calls with you.
  • Access up to $250,000 in unsecured credit that you can use even as a start-up.



  • Visa and MasterCard accounts (no personal guarantees/no use of SSN).
  • Store business credit with companies like Dell, Apple, Walmart, Amazon, CostCo, Sam's Club, BP, Chevron, Home Depot, Lowes, Staples, Office Depot, Ikea, and with most major retailers.
  • Fleet credit for fuel and auto vehicle repairs for your primary vehicle and a fleet of company vehicles.
  • Auto vehicle financing to purchase or lease your primary vehicle or a fleet of vehicles, in your business name.

Additionally, by having a strong business credit profile, you'll be positioned to request underwriting exceptions when applying for loans and lines of credit to not include personal guarantees.



  • Entrepreneurs who want to separate their personal and business finances.
  • Small business owners with less than optimal personal credit scores.
  • Entrepreneurs who need access to more capital than they are able to obtain under their SSN.
  • Small business owners who want to position their business to be more attractive to prospects and clients by having a strong business credit profile (often required for government contracts).
  • Small business owners who want to improve the value of their business to attract investors/equity-based capital or for their exit strategy.
  • Applicable to for-profit and non-profits alike.




  1. Complete the form at the bottom of the page (preferrably after watching the training YouTube below).
  2. Submit your $99 either to us or one of our Financial Literacy Educators.
  3. We'll send you a Client On-Boarding Form via DocuSign.
  4. We'll assign a Business Credit Analyst to work with you.  NOTE:  All of our Analysts are US Military Veterans or National Guard/Reservists currently serving.
  5. We'll work with you to build your business credit profile and access business credit.




Based upon the 28,000,000+ small businesses in the United States and hundreds of thousands more being started annually, nearly all want and/or need access to additional capital to reach their potential. 


Our ambitious goal is to help one thousand (1,000) new entrepreneurs per month with the $99 Business Credit Building Program.  If you'd like to help us get the word out, let's collaborate and you'll earn half of the $99 as each person enrolls as a Financial Literacy Educator.  Thus, get paid ~$50 per hour for helping others.


$99 Business Credit Building Program Flyer
$99 Business Credit Flyer.pdf
Adobe Acrobat document [513.1 KB]

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