Understand & improve fundability
We address your business lender compliance items to identify what lenders require for approval.
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- an Inc 5000 Fastest Growing Company 5 years in a row!
- an Inc 5000 Fastest Growing Company 5 years in a row!Business Credit Builder Program
Offered by Gina B. Smith, powered by Novae. Unlock the hidden path to maximize funding for your business. Our proven strategies use your business EIN, regardless of your personal credit.
Key benefits
Establish & utilize business credit
We walk you through every step of the proven, tested method to access money for your business.
Access loans & credit lines
We develop your profile until you are approved for business funding of at least $50,000.*
*The $50,000 funding guarantee is based on our advisor team of business credit experts assisting the client with securing several credit approvals, up to $50,000, through each tier of funding described below. If the client does not comply with the plan or practice healthy financial behaviors, funding may not be approved.
Build your business credit in 4 steps with guidance from our expert advisors
1Fundable Foundation
Start your business credit journey with confidence.
We know the lenders' hidden criteria for funding and we guide you through understanding and meeting each item. We will also help you:
- Choose the right business entity for protection.
- Set up a credit-friendly business address and phone number.
- Save on listing costs with 411 registration and internet listing visibility.
- Navigate business bank account setup.
- Set up your corporate domain, email, and website.
- Avoid the red flags that lenders look out for.
We truly simplify your path to business credibility and maximize your financing opportunities with Lendavo, powered by Credit Suite.
2Business Credit Reports
With our Business Credit Builder, we assist you in activating your business with the major business credit reporting agencies and accessing your complimentary D-U-N-S number to help maximize funding opportunities. Here is how the program supports you:
- Establish profiles with the major business credit reporting agencies.
- Gain exclusive training on business credit reports and scores.
- Monitor your information through your dashboard.
Even one negative item on your business credit reports can lead to loan or credit card denials. Our program offers a straightforward solution to dispute and correct inaccuracies across D&B, Experian, and Equifax, helping you build a robust business credit profile and score. We guide you through initial setup, assist in correcting inaccuracies, and monitor your progress, enabling you to secure high-limit credit and loans with favorable terms.
3Initial Business Credit
Securing initial business credit can be tough, especially since most trade vendors do not report to credit agencies. Our program helps you obtain usable EIN credit from vendors without a personal guarantee, even if you lack personal credit. Key benefits:
- Approval for startups.
- No cash-flow or bank statement requirements.
- Unsecured credit with no collateral.
- Approval without personal guarantees.
Your new credit will report to Dun & Bradstreet, Experian, and Equifax Commercial, establishing tradelines and scores with all major agencies. This positions you to secure store, fleet, and cash credit. If you have good personal credit, you may qualify for our Credit Line Hybrid Program, offering:
- Unsecured cash credit lines up to $150,000.
- 0% interest rates for 6 to 18 months.
- No-documentation approvals, even for startups.
4Revolving Credit
Once your initial business credit is established, access high-limit revolving credit cards in your business name linked to your EIN, with no personal guarantee needed. Our Business Credit Builder helps you obtain:
- Credit from places like Amazon, Dell, Apple, BP, and Chevron, with credit limits of $10,000 to $50,000. Check each issuer's guidelines for pre-approval before applying.
- High-limit, revolving fleet credit cards for vehicle expenses, covering maintenance, fuel, and repairs for individual and fleet vehicles.
- High-limit, revolving cash credit cards from Visa and MasterCard, with no personal guarantee required.
- Auto financing in your business name, with no personal guarantee needed and no consumer credit reporting.
We guide you through the entire business credit building process, from initial vendor accounts to high-limit store and fleet credit cards, cash credit, and auto financing, all without a personal guarantee.
We will assist you with securing credit lines with limits ranging from $5,000 to $150,000.
See Inside Lendavo
With our intuitive software and dedicated full-service business credit adviser team, we streamline the process of securing business credit, guiding you effortlessly at every step.
What is included in our program?
- Lendavo Business Credit Suite$2,500
- Business Credit Education & Restoration$2,500
- Personal Business Coaching & Advisement$2,400
- Access to Lending Sources in Specific Tiers$2,000
- myNovaeDisputes Manager (12 months)$800
- Experian Smart Business Monitoring data$600
- Personal Debt & Budgeting Software$240
- The true value of this system$11,040
- The success of your businessPriceless
Choose the option that fits your business best
Lendavo DIY
$995 one-time
Self-paced. You get the platform, the vendor sequence and the training, and you work through it on your own schedule.
Lendavo Guided
$2,495 one-time
Everything in DIY, plus personal coaching, accountability and live Q&A with a business credit adviser.
Testimonials
What our clients are saying about the Business Credit Builder program
This has been a lifesaver on all levels. Getting my LLC up and running, having advisors there to call when I need them.
Michelle
I cannot tell you how excited, how happy I am that we found this solution. The only problem you’re going to have, is that you did not find this sooner.
Edward A.
It’s been everything it was advertised to be and then some. I’m not sure where you can find a program that is as comprehensive.
Curtis H.
The business finance suite is an extraordinary product for business owners. It allows business owners to do two things - build credit for their business, and get money.
Brian H
The team is very supportive, very knowledgable about business credit and securing the best financial options for you, and they go through everything thoroughly.
Jim
The customer service is better then anything you could ever expect. They have real people call on a schedule to check up on your progress and answer questions. The software is designed in a way to guide you through the business credit building process easily. I wish a lot of other learning opportunities were structured this way.
I think they really are here to help lead the customers to success not just collect money and run away.
If you are serious about building your business credit this will work. You have all the steps laid out for you. For example, if you need to make a phone call to get something done, they have the prompts that you need to push to get to the correct person. That sounds like something simple, but that has already saved me hours of frustration. They also have very responsive customer service. It is easy to call and get a live person that cares about what you are trying to accomplish and give you good advise. This program is worth every dollar that it costs.
I’ve just signed on to the program, but I’m truly amazed at how much value the program offers, even before you purchase a product from them. The amount of information and resources they give for free is incredible, especially with how many "gurus" are in the space that give no info and expect you to pay a fortune to learn anything.
This is the absolute best program I’ve ever use for building business credit. Everything is upfront and the customer service is second to none. I was very skeptical about buying a system for credit online seeing as though it seems like everybody and their the third cousin is offering credit strategies however this system has proven to do everything it said it would do plus more.
*NOTE: These consumers were not compensated monetarily nor compensated with product in exchange for their endorsement.
Frequently asked questions
What is a business credit bureau?
A business credit bureau is an agency that collects and researches data on businesses and sells it for a fee to lenders and credit issuers to make lending decisions. It may also be called a commercial business credit reporting agency, or a corporate credit bureau.
What is a business credit history?
A business credit history is the number of trade payment experiences that are reported on business credit reports. This includes payment terms.
What does it mean to establish business tradelines?
Establishing business tradelines is the act of applying to and using accounts that report to the business credit bureaus.
What are business credit reports?
These are reports produced by business credit bureaus highlighting a business foundation, and reporting business credit history, scores, and ratings. These reports are compiled to help lenders and business owners assess risk.
What does it mean to build a business credit profile?
A business credit profile is all the information included on all your business credit reports, including all your business tradelines, business information, and business credit scores. Building your business credit profile means to improve accuracy and accumulate positive experiences and information that present your business in a favorable light.
What is a personal guarantee?
A personal guarantee is an individual's legal promise to repay credit issued to a business where they are an owner, executive, or partner. With business credit agreements, giving a personal guarantee essentially makes you a co-signer on the business credit account. You will remain liable for any debts the business incurs. In practice, this means your personal credit will undergo a hard inquiry, since you are putting your Social Security number on the credit application. With enough hard inquiries, your personal credit score will be adversely affected.
What is a trade vendor?
A trade vendor is a vendor that issues trade credit, and trades product or services.
What is trade credit?
Trade credit is issued by vendors to businesses for the purchase of goods or services.
What is a vendor account?
A vendor account is an account issued to a business with a vendor. It is sometimes reported to the business credit bureaus. The term trade account is common, but it is more accurate to call this account a vendor account.
What are business tradelines?
Business tradelines are vendor accounts reported by the vendor to a business credit bureau. This information is included in a specific location in a business credit report.
What is a trade payment experience?
It is when a business's payment activity in relation to a new or continuously reported tradeline is recorded by a business credit bureau.
What does continuously reported mean?
A continuously reported business tradeline is one that is over 6 months old and has reported multiple payment experiences.
What does the term newly reported tradelines mean?
A business tradeline is referred to as newly reported if it is up to 6 months old and has reported payment experiences.
What is an EIN?
EIN stands for Employer Identification Number. It is a nine-digit number assigned by the IRS, used to identify the tax accounts of employers and certain others with no employees. EINs are used by employers, sole proprietors, corporations, partnerships, nonprofit associations, trusts, estates, government agencies, certain individuals, and other business entities. You can get your EIN for free directly from the IRS.
Is there such a thing as a business credit inquiry?
You may wonder whether business credit inquiries hurt your credit. Unlike with personal credit, anyone can pull your business credit reports, and this does result in inquiries. However, unlike with personal credit, business credit inquiries do not negatively affect your fundability or business credit scores with each business credit bureau.
What are business credit tiers?
Our business credit advisors continually check and recheck vendors and other credit and business financing issuers. There are differences in how easy or difficult it is to be accepted for credit, and what you may need to provide to qualify. For example, business credit tier 1 is vendor credit, where you need very little to get started. You can qualify with few payment experiences on your business credit reports, and sometimes with a short time in business, such as six months. To reach business credit tier 2, you will need at least three trade accounts reporting to the business credit bureaus.
How does business credit work when seeking loans?
When a lending institution has more than just your personal credit scores to look at, they will review any other information they believe will better answer their one big question: will you pay them back? It is possible to have good business credit with weaker personal credit, and if your business credit is strong enough, a lender will weigh it more heavily. Lenders will pull your business credit reports and look at whether you pay bills on time, whether there are negative items such as lawsuits or liens, how long you have been in business, whether the business is credible, and whether the information on the report matches the application. If those answers satisfy the lender, you are more likely to get a loan, although not necessarily for the exact amount you were originally seeking.
See how you can improve your business credit and fundability, starting today
Our free guide walks you through everything you need to understand about business credit, from the lender criteria nobody publishes to the tradelines that actually move your scores.
Get the free business credit guide
Ask for the guide and we will send it over. You will also receive a short series of follow-up emails packed with tips and knowledge for your journey to business fundability.
Request the Free GuideDo you have solid business credit already?
Apply for business funding right now. Review our 7 funding programs and their lending requirements, and you can be pre-approved within one business day.