Our New “Streamline Business Credit Line” Program

The absolute best Unsecured Business Credit Lines are here!

Due to our deep rooted footprints in the industry, our solid reputation for funding, and our direct banking relationships, we are able to pass the HUGE savings onto you. 

We are pleased to say that this is one of those circumstances. Incredible credit line options priced unlike anything the industry has ever seen! What if I also mentioned that this money is available under these terms?

• NO INCOME DOCUMENTATION

• Unsecured

• No specific time in business required

• Does NOT report to personal credit but does require a good personal payment history

• Unprecedented rates/terms

Thousands of these dollars have already been injected into businesses just like yours who are looking to gain an edge on the competition.

Our STREAMLINE Business credit line program allows for you to run your business on your terms. 

Don’t let tough times surprise you.  Let us help you be prepared for whatever life throws your way.

As always, we strive to meet your business funding needs in the best suitable way for your Business.

Your business is OUR business.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.

Free Money?

When it comes to business lending, there is no such thing as free money.

Lenders lend money to earn a profit. To make their profit with business financing they charge any number of fees including interest rates, discount fees, and success based fees or closing costs.

Our job is to search the globe to ensure our business clients have access to the best financing programs AND the best financing terms.

In our search, we have found some of the lowest risk, and lowest rate financing available today. This includes programs like our securities based line-of-credit which provides rates as low as 1.6%, SBA loans that offer rates as low 2% over prime, and many others. And we are constantly searching for new programs.

Almost all low-risk financing will require business owners supply financials or have some type of collateral to qualify.

If an owner does have collateral such as a 401k, stocks, securities, inventory, equipment, account receivables, commercial real estate, or any other type of legitimate business collateral, they could qualify for low-risk, low-rate financing.

To qualify for the absolute lowest rates, lenders often request business owners supply personal background information and personal financials, business financial statements and projected financial statements , profit & loss statements, business licenses, 3 years of business tax returns, resumes, a brief overview of the company, any business leases, and more.

Even when business owners can't supply financials and have no collateral, financing is still available for them through the Finance Suite.

Programs like unsecured no-documentation financing, merchant advances, and revenue lending provide business owners with fast approvals and generous approval amounts. These types of programs are much easier to qualify for and deliver funds to businesses faster than most other type of business financing.

These programs are also much higher risk than collateral based and full documentation financing. Due to the increased risk, the payback terms are typically shorter on the loans, and the rates and fees are higher.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.

Some major differences between personal and business credit

There are three main reporting agencies in the consumer world known as Equifax, Experian, and Trans Union.  In the business world Equifax and Experian are still players, but it’s Dun & Bradstreet who is the major player.

In the consumer world the three reporting agencies possess a similar amount of consumer records. This has to do in large part with them splitting up the smaller reporting agencies between them over many decades.

But in the business world, D&B has more than 10 times the records of the next closest reporting agency. So unlike with consumer credit, in the business credit world there really is one MAJOR player, and two other much smaller ones.

Personal credit scoring is based on 5 main factors, payment history, utilization, length of credit history, accumulation of new credit,  and credit mix. These multiple factors make it hard for an individual to really have a lot of control over their credit score.

But in the business world, scores are mainly based on only one factor, how the business pays its bills. If the business pays its bills on time, it is rewarded with a very good credit score. This makes it much easier and faster for a business to build credit than it takes a consumer to do.

A business can actually build a solid credit profile and score within 90 days or less, and can then start qualifying for $10,000 major credit cards within 6 months. In the consumer world, it takes a full 6 months for a credit score to even be obtained, and many years for a consumer to have a high credit score.

With consumer credit, the consumer is liable for the debt. With business credit, the business itself is liable for the debt, not the business owner (if done correctly). Another big difference between personal and business credit is that business credit approvals also are much higher than consumer approvals. On average, approvals are 10-100 times higher on the business side versus consumer side (per the SBA).

These are just some of the major differences between personal, and business credit. Knowing this, you can easily see the major benefits any business owner has in having both a strong personal credit profile built, and a strong credit profile and score built for their business also.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.

What is "No Personal Guarantee"?

Most business owners use their personal credit and a personal guarantee for most of their business debts. This causes a big problem as the business owner then becomes liable for the business debts. And if the business has financial problems, the creditors then start pursuing the business owner’s personal assets like their bank accounts and home. This can easily be prevented.

Business owners can build credit in their business name that requires no personal guarantee, and no personal liability. This keeps business debts separate from the personal credit, and keeps the business owner safe as there is no personal liability. Many hear that this is available and are very surprised, almost think it sounds too good to be true.

Business Credit is credit that is in the business name. This credit uses the business credit profile and score to qualify, not the personal credit. Most consumers are familiar with regular consumer credit. You can go into a store like Wal-Mart and apply for credit. When you apply they pull a personal credit profile, and then approve you based on the strength of that credit profile and score. You can secure store credit at places like Chevron or Wal-Mart, or you can apply for Visa and MasterCard credit that you can use in almost any store.

Business credit works the same way. You apply for credit at the same stores, and with Visa and MasterCard. But with business credit, when applied for properly, the business credit profile and score are used for qualification, not the personal credit. This means there is no personal guarantee required and no personal credit check.

The secret to success with business credit is you must first start building credit with vendors who report to the appropriate business credit reporting agencies – and most don’t. Once this is done, you then will have an excellent business score and profile that can be used to start obtaining credit in the business name. All you need is a corporation to qualify. And approval limits are much higher than normal consumer credit.

If you don't have a corporation set up for your small company, we can help you get that set up.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.