1 Unlimited Business Financing Without A Personal Guarantee! Now YOU Can Have ALL The Business Credit You Need Faster Than You Thought Possible! Finally a Business Credit Asset that will Rid You of Business Credit Problems Once And For All
2 E-Myth encourages every business owner and aspiring entrepreneur to make the development of a business credit asset a TOP PRIORITY. The reason is simple: it takes time and expertise to develop business credit and the sooner you start, the faster you will have a credit asset that enables you to obtain financing to grow your business while reducing your personally liability. Most successful entrepreneurs develop a business credit asset by working with a certified business credit advisor and coach. The reasons are three fold: 1. Accessing professional support increases the likelihood that you will successfully complete the process. 2. Credit builder professionals insure that you develop your credit system to maximize your company s credit potential 3. Our professionals expedite the process from taking years to only a few months Certainly there s no substitute for working closely with a friendly, helpful Business Credit Expert. But, if you want to consider going it alone, this information-packed report will point you in the right direction to do-it-yourself... as quickly, easily and painlessly as possible. How to get the most out of this book We highly recommend you start by reading this book in its entirety to get a better feel for the creditbuilding process from beginning to end. After you ve read it completely, then simply follow the stepby-step checklist as you work your way along. We ve outlined all the necessary steps to successfully build your business credit. And because many variables can arise during your credit-building process that cannot possibly all be covered in a single book, we ve included our contact information. Please feel free to contact us if you need help in any way. Happy Borrowing! The E-Myth Team
3 Table of Contents 1. Building Business Credit 2. Dealing With The Banks 3. The Business Credit Bureaus 4. Requirements for Building Business Credit 5. Maintaining Your D&B Report 6. How To Raise Your PAYDEX Score 7. Who s Reporting on Your Business? 8. Correcting Information on Your D&B Report 9. The Next Step
4 4 What happens if they pull your business credit report and there s nothing there? 1. Why YOU Should Build Your Business Credit Even though they ve been in business for years, many people don t realize that business credit even exists... what it is... and how to establish a business credit file. And they may not understand why they should begin to build their business credit now. Here are a few questions that every business owner should ask themselves: n have I ever been declined for a business loan or financing? n could I use a business line of credit for working capital? n do I need, now or in the foreseeable future, to lease equipment? n am I currently stuck having to personally guarantee every loan? n would I like to obtain easy, fast approval on credit cards for my business? n do I currently receive the most favorable credit terms from vendors? There s an unfortunate lack of information available on how to build business credit that will allow you to finance, operate and expand... without putting your personal finances, or your family s future, in jeopardy. The reason is simple: financial lending institutions don t want you to know the secret of building a business credit asset. When you apply for credit for a business, most creditors will pull your business credit report. This credit might have been used for anything in your business, from credit cards, to loans, to equipment. And what happens if they pull your business credit report and there s nothing there? They ll rely on your personal credit to guarantee your request, and that s the guarantee they re most interested in acquiring. If there s no business credit file, they re unlikely to lend credit to your business. One of the main reasons you need a business credit report is the ability to receive more funding. Here s another reason that you need to build a business credit asset: to save money! This is the
5 5 Did you know that banks turn down over 97% of all business loan applications? most important reason. By building a business credit asset, you can save yourself and your business money. Building a strong business credit rating is vital to your success. Without it, you ll pay much higher interest rates for the money you borrow... if you can borrow at all. In fact, banks which say they want to help small business owners actually turn down over 97% of all business loan applications. They don t make it easy! How does this work? Here s an example: Let s suppose that you need $50,000 for a piece of equipment for your business. Without a strong business credit rating, your bank will use your personal credit only. If you get approved, you ll have (in this example) an interest rate of 18%. With a D&B report, you can lower your rate - in some cases as much as 50% and you don t have to guarantee the loan with your personal assets. Here s a quick comparison: Personal Loan Business Loan (with strong credit rating) Lease Amount $50,000 $50,000 Interest Rate 18% 10% Term of Lease 60 months 60 months Monthly Payment $1, $1, Total Payments $76, $63, Total Savings $12,439.20
6 6 By simply building a business credit asset and setting up your business properly, you can literally save yourself tens of thousands of dollars! As a business owner, that should be a top priority. The truth is you don t really have a business credit asset until you start building one! 2. Dealing with the Banks It doesn t matter how long you ve been in business one-year five-years twenty- years. As far as banks are concerned, if you don t have a business credit rating it s a personal loan (with personal guarantees) for you (or nothing at all)! Every lender has approval guidelines they follow when considering your loan application with up to 20 key factors that they examine! (Do you know any of these factors?) Here are a few of the key factors that can result in a rejected loan: n no 411 directory assistance listing? Then no loan, either! n bank account balance rating of low 5? Likely no loan. (Do you even know what a low 5 rating is? Don t worry - we explain further on...) n if you have fewer than 5 trade credit accounts reporting to credit bureaus... again, you ll probably be turned down. n not having a credit file number will mean not getting that loan! n your banker may take a dim view of a business credit score below 70 n the lender may insist you have a debt coverage ratio of 5:1 or better n... or you might be turned away due to any of a host of other reasons! Worse yet, it might take only one key factor being unfavorable, to turn your banker against you!
7 7 The truth is... you don t really have a business credit rating until you start building one! And how easily can any small business receive funding when they have to produce documentation such as the following? n interim financial statements n most-recent Federal Tax Returns for each principal owner n accountant-prepared financial statements including Profit & Loss statement and Balance Sheet for the last 3 years n personal financial statements for each principal owner n organization compliance documents, such as incorporation papers, DBA papers, business licenses, etc. n list of business and personal assets that can be used as collateral n names and contact information for at least three credit references These documents can be very difficult for a start-up business to supply... especially if they ve just started their business. Many banks expect a business to be already established before they request financing... but you can get started without it! 3. The Business Credit Bureaus For years, good companies have been declined by banks because of incorrect information on their business credit report or, more commonly, because they don t have a business credit report at all. There are three major companies that collect business information and publish it. These are: Dun & Bradstreet (D&B), Experian, and Business Equifax. D&B is by far the largest but the other two are catching up quickly. Most lending institutions incorporate the information, and use the commercial scoring model that they retrieve from D&B s database.
8 8 Here s a brief introduction to the different business credit bureaus: Dun & Bradstreet was started back in the 1800s and has been collecting business information for over 150 years. They compile the information that they gather and then sell it to other companies. The most important thing for you to know is that they are the largest and most predominant business bureau in the marketplace. Recently, other companies have entered the business credit world as well. Experian, who you may know as a personal credit bureau, now has a business division called Corporate Experian. Several lenders now base their lending decisions on Corporate Experian instead of D&B. Equifax is also entering the business credit world and they are offering an extensive business credit report. There are a few others but they re not significant These include PayNet, FDInsight, BusinessCreditUSA, and ClientChecker. You may be wondering if you even have a business credit report. If you don t know, then you most likely you don t have one! Business credit is not like your personal credit wherein, when you turned 18 and got your first credit card, you immediately acquired a credit history. When you set up a file with Dun & Bradstreet, you ll be given a D&B number, or DUNS number. Lenders will ask you for this number... and they use it to access your credit rating. Here s a very important fact that we cannot emphasize enough: You must follow the steps of setting up a compliant business structure before you establish your D&B file. We ll go into the details later,
9 9 Your business credit consultant will help you with every critical step in this process, to ensure that everything is done just as it should be. but there are prerequisites that you need to meet before you begin to set up a business credit file. You must know what to do... the order to do these steps in... and then manually set up a D&B credit file to ensure that the information is completely accurate. It s very important that each step of this system is followed precisely. If a step is skipped or you don t complete one step before moving on, then you ll hinder the ability of your business to build the optimum business credit asset and to borrow money without having your personal credit report attached. Your business credit consultant will help you with every critical step in this process, to ensure that everything is done just as it should be. 4. Requirements for Building Business Credit First, let us clarify one thing: Unless you are incorporated, or a limited liability company, then you might be in business... but you re not a compliant business. You must be a corporation or an LLC in order to build a true business credit asset. If you aren t, you won t be able to separate your personal credit from your business credit. After discussing your particular situation, we can help set up the business entity you need. The entire process can be done for you surprisingly quickly. In order to capitalize on any business financing available to you, and to separate your business and personal credit, you have to have a real business entity. You ll need a minimum of one bank reference... and an average daily balance (ADB) of at least $10,000 for the past three months. This yields a Bank Rating of Low-5 (meaning an ADB of $5,000 to $30,000). A lower rating... say a High-4, or balance of $7,000 to $9, won t put a stop to your
10 10 application. But it will slow it down. Do whatever you can to get this minimum figure in your account... knowing that you don t USE this money! It s only kept there to keep your Bank Rating up. Also, make sure that your business bank accounts are reported exactly the way all your business records are... with the exact same physical address (no P.O. Box!) and phone number. Make absolutely sure that every credit agency and trade credit vendor in fact, every record-keeper (financial records, income tax, web addresses and addresses, directory assistance) also lists you the same way. No lender is going to stop to consider all the ways you might be listed, when they look into your creditworthiness. If they can t find what they need easily! they ll simply turn you down. Business credit cannot, and does not, exist for a sole proprietor. All that a sole proprietor has available are personal loans or lines of credit. This credit is tied to your personal social security number. What type of entity do you need? You ll need to consult your CPA, tax attorney, or lawyer for advice on what type of entity will fit your business best. You can be either a corporation or limited liability company to build business credit. 5. Maintaining Your D&B Report Once your business credit report is set up and you have a high PAYDEX score (see Section 8), you ll want to be sure you always maintain your report. Check your report periodically. You may want to consider purchasing the Monitoring Service that D&B offers. This service allows you to receive alerts, whether positive or negative, on your report. There are several areas that you will be notified of, if
11 11 Business credit cannot, and does not, exist for a sole proprietor. they change, including: n Credit Rating n Suits, liens or judgments on your business n PAYDEX score changes n Changes to financial statements n Other significant news involving your business 6. How To Raise Your PAYDEX Score One of the most important sections of your D&B Business Credit Report is the payment summary section. There are two scores in this section that are critical to the report and can separate a good report from a bad one. While the two scores the PAYDEX score and the PAYDEX score key are related, they deal with separate issues that you need to know and understand. Your PAYDEX score is a statistical measure of your business creditworthiness... your ability to pay your debts... similar to your personal creditworthiness FICO score. A PAYDEX score of 80 is similar to that of a 700 personal FICO score. You ll need a PAYDEX score of 80 to obtain the most favorable financing... meaning you pay all your bills on time. To obtain a PAYDEX score, you need at least five trade accounts reporting to your file... but the score itself is calculated by using as many as 875 payments. You will also want those accounts to report favorable payment history. If you pay your bills on time, they will. If you pay your bills late, your PAYDEX score will drop. Depending on how early or late you pay your bills, your PAYDEX score will adjust accordingly. If you pay early, then you can achieve a score that is over 80.
12 12 How timely you pay your bills (your PAYDEX score) is a good indicator to lenders of how likely you are to pay your bills in the future. Lenders look at this score carefully when deciding whether or not to give you a loan. We ve included a D&B PAYDEX score key chart below for your reference. Getting a PAYDEX score key of 80 means you have a perfect score. When you pay all your bills on time, meaning on or before the due date, you ll get a perfect score. Remember, to get this score, you need to have five trade references reporting to D&B on your company. D&B PAYDEX Score Key 100 Anticipate 90 Discount 80 Prompt 70 Slow to 15 Days 60 Slow to 22 Days 50 Slow to 30 Days 40 Slow to 60 Days 30 Slow to 90 Days 20 Slow to 120 Days Admittedly, this can be one of the most difficult credit-building requirements to meet because you re at the mercy of your vendors to bother reporting. One of the best things you can do here is ask your suppliers for 30-day payment terms... and ask them to report your payment history to D&B.
13 13 WARNING! There are services that promise to get this process done for you in one month. What they do is have their vendors report an excellent payment history even though you ve just started with them. Don t do it! This is blatant fraud and they ll charge you up to $2,000 or more to provide this service. Your business credit consultant will help you choose the right vendors, with the right products and services for your business, on credit terms that are right for you and who will report your payment history promptly and legally. Here s another important aspect of the PAYDEX system that most business owners don t know about. PAYDEX is a weighted average score... giving more weight to the trade accounts that report higher amounts of credit extended and less weight to trade accounts that are reporting lower dollar amounts of credit. So what does that mean to you? Here s another quick tip: If you re having trouble meeting all your credit payback obligations in other words, if you re going to have to let some of your bills slide this month be sure to pay your largest dollar creditors first! This way, their reporting which carries more weight in your Paydex score will remain positive. At any rate, always contact those creditors you re not able to pay... and let them know that you re not ignoring them. You ve simply hit a snag and will make it up to them as soon as possible. (Give them an actual date, if you can.) From a creditor s point of view, the only thing worse than not being paid what s owed to you... is not even being told that you re not being paid what s owed to you!
14 14 Your business credit consultant will help you raise your credit score the right way. 7. Find Out Who is Reporting On Your Business Many business owners discover, when they receive their Business Information Report from D&B, that they have a low PAYDEX score (see Section 8). They scratch their heads and wonder why - after all, they re paying their bills on time. You won t be able to find out which companies are reporting negative information to your file because D&B doesn t provide businesses this information. You will, however, be able to obtain a list of all the companies that are reporting to your file. Upon request, you ll get an alphabetical list of all the companies reporting to the business credit bureau as well as the number of times they reported. If you d like to see this list, call your D&B representative and asked them for the list of companies reporting on your business. There must be at least five companies reporting before your Representative will be able to pull this list. Once you get your report, turn to page 2. You ll find an overview of the companies that have reported the dollar-weighted payments... and your PAYDEX score. The companies will be sorted by supplier industry. If you have less than 20 companies on your list, your D&B representative might choose to simply read the list to you over the phone, or you the information. (If you don t receive the report, make sure you follow up with your representative and tell them you ve already made a request.) Other information you ll find on this report includes: the total dollar amount of all trades reported to your account... the largest amount that any one trade has reported... and the percentage of payments that have been made to the top 10 industries.
15 15 8. Correcting Information on Your D&B Report Nearly every D&B report contains some errors, so don t be alarmed if you review your report and find an error or two. Most problems needing resolution will be dealt with through the eupdate website; however, any major issues will need special attention. In those cases it s best to pay D&B to get an account representative to fix the problem quickly and efficiently so that it doesn t affect your file. Always ensure your business credit file is accurate! This tip is extremely important, as the Fair Credit Reporting Act (covering personal credit) does not apply to businesses. If there s an error on your business credit report, or if you skip a step in setting it up, you have no legal recourse to have that information removed. If your file was set-up incorrectly, there s a good chance your business credit file could be put in the High Risk category, making it nearly impossible to remove inaccuracies. Make sure you follow each step and take no short cuts. We can t emphasize this enough. This booklet like any other you might read is only a guide. Your own situation may very well require particular attention that no book can give you. 9. The Next Step Now that you ve reached this point, we know you re serious about building your business credit asset. But please understand, the purpose of this booklet is not to encourage you to go it alone. The business credit arena can be more of a garden of cesspits for the unwary and the ill-prepared. You really need the help of a knowlegable and friendly guide who knows the way around those pitfalls... and can take you in one side and out the other... safely... and profitably. We ve explained a lot, already, in this brief report... but there s so much more to building business
16 16 credit the right way. It can t be fully explained in a treatment this size. And even a full-scale book can t cover every contingency you might run up against. So Does this sound like a lot of work? It is. But it needs to be done if your business will result in a vehicle to achieve your vision! Why Not Let Our Business Credit Consultants Help YOU Our business credit consultants can assist you in every phase of building a business credit asset. We can help you locate the vendors who will not only extend you the very best trade credit but who will report your payment history to the appropriate agencies. You ll breeze through the D&B process with our help... and you ll breathe easy, knowing you got it right. We ll help you obtain real business credit cards... not just personally-guaranteed cards with your business name on them. There is a difference! We ll make sure you fully understand PAYDEX... and lay out for you, step-by-step, the best way to ensure your bank rating is the highest possible. The business credit score you build with our help will open up more opportunities for funding your business than you can imagine!
17 Without a personal guarantee from you..... Without risking your family s financial future. And you can achieve all this much sooner with our help than without. We ve spent many years researching how to build strong business credit scores the fastest possible way with EquiFax, D&B and Experian. We can help you build your business credit rating higher than you ever thought possible so you can get the credit you need... when you need it. The Business Credit Builder System will: n Show you how to secure lines of business credit for your business n Help you separate your personal credit from your business credit n Assist in upping your personal credit score n Answer all of your questions through an initial FREE phone consultation, and offer continual phone support throughout the process.
18 18 All rights reserved. No part of this book may be reproduced, stored in a retrieval system or transmitted in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without express written permission of the author. The material in the electronic publication can be stored only on one computer at one time and is intended for use by the purchaser. You may not forward, copy, or transfer this publication or part thereof, whether in electronic or in printed format, to another person or entity. Every attempt has been made by the author to provide acknowledgement of the sources used for the material in this book.
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How to Improve and Maintain your Credit Score Special points of interest: Factors that influence your credit score How your credit score is calculated Improving your credit score How to fix flawed credit
SPECIAL REPORT How To Sell Your Home In 9 Days Or Less No Commissions! No Fees! You may discover the perfect solution by reading this report. If you are like many home owners struggling to sell your home
Managing Your Credit Report and Scores Apprisen 800.355.2227 www.apprisen.com Managing Your Credit Report and Scores Your credit score is one of the most important aspects of your personal finances. From
Credit managers rely heavily upon external data sources to guide them in the credit decision process. To approve or reject a loan request is a delicate task. A credit manager must evaluate the risk associated
Take control of your credit score A guide to understanding and improving your credit. What is a credit score? Your credit score is a number between 300 and 850, assigned to you by a credit bureau, that
Overcoming Credit Obstacles Ever wondered how your credit impacts your overall financial wellness? Let us tell you: It plays a starring role in many of your life s important financial endeavors! Whether
CLIENT SERVICES: Tax Problem Resolution Services Dear Client: Are you having problems with the IRS? We re here to help you resolve your tax problems and put an end to the misery that the IRS can put you
BUSINESS FINANCING SECRETS How To Get Unlimited Business Financing Without A Personal Guarantee Michael Senoff Interviews Foremost Business Financing Expert Dear Student, I m Michael Senoff, founder and
Credit Score and Report Overview Have you ever wondered how your credit score is calculated? Have you ever asked, but are always given vague answers? I will tell you exactly how credit scores are determined
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Credit Report Info Packet Information in this Packet What Is a Credit Report?.....................3 What Is a Credit Score?..................... 4 Who Can See Your Credit Report?.............. 5 Ordering
ABOUT FINANCIAL RATIO ANALYSIS Over the years, a great many financial analysis techniques have developed. They illustrate the relationship between values drawn from the balance sheet and income statement
Sell Your House in DAYS Instead of Months No Agents No Fees No Commissions No Hassle Learn the secret of selling your house in days instead of months If you re trying to sell your house, you may not have
Welcome to The Boomer Business Owner. My guest today is Ty Crandall. Ty is an honorary Baby Boomer, internationally known speaker, author, and business credit expert. With over 16 years of financial experience,
Dan L' Altrella Certified Mortgage Planner L'Altrella Lending Group Phone: 203.521.2905 Fax: 203.712.1188 firstname.lastname@example.org Your Credit Score What It Means to You as a Prospective Home Buyer Introduction
When Finances Go Wrong - Debt Very few people now have no debt at all after all a mobile phone contract, or your rent/mortgage are both debts. It becomes an issue for people when they cannot meet the payments