Experian Intelliscore generally has a range of zero to 100. D&B PAYDEX ranges from 1 to 100. With D&B, a business with 80 or above is in the best grouping; a good score at Experian starts at 75. The best credit scores are mostly reserved for businesses that pay ahead of time. In other words, if you have a net 60 agreement with a supplier (which means you have 60 days to pay for goods received), the best PAYDEX and Intelliscore scores are given to businesses that pay 30 days, and if not 30 days at least sooner, than the terms require. Pay your bills early and earn an excellent credit rating. Click the link in the bio to start learning how to build a good Paydex score for your business.
4 453:03 AM Sep 7, 2016
Are you using credit to help finance your new business venture?
You’re not alone as statistics show that over 65% off all business owners use credit for business purchases. But what’s alarming, is that only 50% of those cards are actually in the business’ name.
As a business owner using personal credit cards for business is a risky approach since you assume total liability and if your company is sued or fails you risk losing personal assets and good credit ratings as well.
With a strong business credit report you can stop relying on your personal credit to qualify for the financing your company needs. Since a creditor, lender or supplier can now easily determine your company’s risk level with a business credit check qualifying will be a much easier process.
As a startup I know it can be tempting for you to decide on operating your business as a sole proprietorship and using your personal credit to fund your business simply because it’s one of the easiest structures to create and you already have the cards on hand.
But by building business credit for your start up, you can improve your company’s image, protect your personal credit, limit your liability and increase your credit capacity since businesses can obtain 10 to 100 times greater financing then an individual. Click the link in the bio to learn how you can start building business credit for your business to start, fund, or grow your business.
4 3611:02 PM Sep 6, 2016
Myth: You have to have perfect credit 🎯 to get a small business loan.
Although low credit scores might have precluded you from getting a loan in years past, today's lending environment is more open to subpar credit ratings. It is quick & easy to build business credit so that you can fund & grow your business. Click the link in the bio for a free guide.
3 343:30 AM Aug 31, 2016
Do you have a business credit card that is not linked to your SSN? Most business owners believe if they have a credit card with their business name on the card that it is a real business credit card. That's simple not true. There is a right way to obtain a business credit card that is only linked to your EIN. Click the link in the bio to find out how you can obtain your real business credit card with high credit limits.
People who find themselves doing business or starting a venture for the sole sake of money will find themselves out of gas repeatedly and circling around endlessly; while people who have true vision and care about tackling the needs of people around them will get to explore longer distances than they could ever imagine. When it comes to starting something new and becoming successful doing what you enjoy, it’s important to prioritize money, but to make it the height of your priorities is vastly limiting your own potential.
Click the link in the bio to learn how to position your business to thrive and be successful.
1 2410:58 AM Aug 30, 2016
There is a wrong way and a right way. Discover how you can get your loan approved the right way the first time by clicking the link in our bio.
7 613:03 AM Aug 30, 2016
The following is a table that discusses what the different values of your Paydex score tell vendors about your payment history. Business owners should not be too concerned with having a "perfect score" of 100, since it would indicate that your company makes payments 1 month in advance of when they are due. For most businesses this is something highly unlikely you can ever achieve and may not make the most sense from a cash flow perspective. Instead, business owners should concentrate on maintaining at least a score of 80 which would indicate on time payments to vendors or suppliers.
Click the link in the bio to learn how to start building your business credit.
1 2611:04 PM Aug 29, 2016
The Paydex score is a business credit score assigned by Dun and Bradstreet to a company. The score rates the likelihood of a business will make payments to suppliers / vendors on time. Unlike a personal credit score which can go up to 850, the Paydex score ranges from 0 - 100, with higher values indicating a greater propensity to pay on time or sooner than the agreed upon terms. A score of 80 or higher puts your business into the best risk group, meaning that your history of payments has demonstrated a low risk of late payment.
Click the link in the bio to learn how you can start building your business Paydex score.
2 315:01 PM Aug 29, 2016
If you look at failure as something big, like it’s the end of the world you’ll probably be quite a bit afraid of it. And so it can feel too painful to go on after a few failures. Or you may never even try, since your mind is projecting all these horrible and painful future scenarios of what will happen if you try and fail. “The value of an idea lies in the using of it.” Useful information is good. But you have to put it to use sometime or you’ll never reap any benefits or success. This is a pretty common problem when you for instance get interested in personal development. You get a lot of books, programs etc. and you study them. And then you get more.
Always looking for the magic bullet that will give you success without you having to do anything. Confusing yourself and feeling like you are making progress by reading another book.
Click the link in our bio today to discover the solution for your business.
6 1411:04 AM Aug 29, 2016
Click in the link in the bio and learn how you can get access to $50,000 in business credit 💳 to grow your business.
2 123:04 AM Aug 29, 2016
Type the biggest struggle you're having in your business below ⤵️
1 95:04 PM Aug 28, 2016
The Power of Yes!
Yes, has magic within it. So often we are afraid of life — we fear failure, we anticipate the worst, we don’t know what to expect. In doing so and often by saying “no” to opportunities, we reject many of life’s brilliant chances. These are often disguised as a new career prospect, an opportunity to step up at work, a surprise request from a friend, or any type of unfamiliar challenge. Anything that creates a spark of curiosity within us or generates some desire that typically lays dormant within our familiar days, is often our intuition guiding us to say yes (or at least to learn more). Click the link in the bio and say YES to learning how to build business credit for your business.
1 511:03 AM Aug 28, 2016
When you receive your D-U-N-S number, call your first trade account and ask to have the number added to your credit file. Your credit history with that vendor will be automatically reported to your D&B credit file each month, under your D-U-N-S number.
Develop a plan to open a new trade account each month with a vendor in the D&B network, after your previous month’s credit activity has been reported. Using the free eUpdate service offered by D&B, you can check what’s on your credit report.
Your goal should be to have five active trade accounts in good standing at the end of six months. Because all businesses do not report to D&B, your first five accounts must be part of the D&B network. Most major companies that extend credit to startups report to D&B. But, before you open an account, call the credit department and ask. Click the link in the bio for more information on how you can start building business credit today:
1 72:04 AM Aug 28, 2016
If you’re tired of swiping your credit cards at a rate you can’t afford, it might be time to consider a longer-term solution like business credit. Click the link in the bio to learn how you can start building business credit now.
A credit card 💳 is a good fit for handling small, ongoing working capital expenses, but if you need to make a big one-time investment to finance a long-term plan, you’re out of luck.
For example, a credit card is handy when you need to purchase office supplies on a regular basis, pay for dinner 🍴 with a client, or book travel ✈️ arrangements for a business trip.
It’s always a good sign when you’ve incorporated your business, and separated your personal and business finances. However, in most cases, even a small business credit card is tied to your personal credit history, so all those months of diligent on-time payments and smart credit usage aren’t boosting your business credit score. Both your business and personal credit score take your credit utilization ratio into account, so keep this in mind before racking up a high balance.
1 210:03 PM Aug 27, 2016
You might be limited to a strict budget 📠 when you want to start a business, but that doesn’t mean you don’t have any options. It is possible to start a business with very little money, if you have the right combination of skills, work ethic and marketing know-how. Click the link in the bio to learn how you can start building business credit today to start, fund and grow your business.
1 55:02 PM Aug 27, 2016
You have to shift your focus in order to make it in business. Remember it's quality vs quantity. Being productive means you are getting quality work done that helps you get closer to reaching goals or finishing important tasks.
Being busy just means you are not allowing yourself much free time because you are constantly trying to work on too many things whether they are productive or not.
Does it sound better to work less hours every week and get more accomplished or work more hours and get less accomplished? The answer is easy is for most of us. Strive to be more productive and see what you can get done!
1 410:28 AM Aug 27, 2016
Businesses will often have the need to purchase, replace, repair, or upgrade various kinds of equipment to process, manufacture, or produce their product. Equipment can include such things as: medical and dental medical machinery; restaurant ovens, cookware, tables and chairs, linens, and catering supplies; phone systems; computer monitors, printers, copiers; furniture, tools, vehicles (for commercial use), specialized machinery, industrial equipment, and more.
Do you have the cash on hand to purchase all of this equipment at any given time? Allow your business credit to work for you so you can get approved for equipment financing. Be in a position to have credit when you need it instead of needing it and can't get it.
Click the link in the bio to learn how you can start building business credit today and to see if your business qualifies for financing options.
1 53:01 AM Aug 27, 2016
Do you want to grow your business. Business credit is the quickest and easiest way to get access to money to accomplish this goal. A business credit profile can be created within 90 days. So, what are you waiting for ⌚️ ? Click the link in the bio to learn how to start building business credit today.
1 45:04 PM Aug 26, 2016
Hey Guys...let us know where you are joining us from. Comment with your city and state.
Click the link in the bio to learn how you can start building business credit for your business today.
1 310:30 AM Aug 26, 2016
Learn how I got $50,000 in business credit to expand my business. Click the link in the bio.
1 42:00 AM Aug 26, 2016
Give your business the strength 💪 and security it needs to flourish by building business credit. We all basically know how personal credit works and how to build a positive credit history: Pay your bills on time, take on some credit card debt and pay it back. Get a car loan; pay it back. You know the drill.
But business credit often seems like a mystery👥 . It shouldn't be. The process of getting business credit is not all that different from building a personal credit profile; however it's easier to maintain and quicker to build. Discover how you can begin building business credit by clicking the link in our bio.
_________________ Stop the guessing game and get step by step instructions by downloading the free guide at
2 69:00 PM Aug 25, 2016
I'm sure you have applied for business credit before...but did you do it the correct way so that your personal credit is not affected? Learn how to build business credit that is only linked to your EIN without a personal guarantee and not your SSN. Click the link in the bio for our free guide on how to achieve this goal the right way! Save yourself the headache 😉
1 25:38 PM Aug 25, 2016
Welcome to VIP Business Credit! No money to start a business...no problem!
Learn how to build business credit that is linked to your EIN without a personal guarantee and not linked to your social security number.