Build Business Credit with No Headaches
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Get Business Credit That's Not Linked to Your Personal Credit
To grow and operate a thriving business, you need access to funding — and that means qualifying for loans and lines of credit at competitive rates. Strong business credit is the key to making that happen — even when traditional loans aren’t an option.
With the Four Corner Business Credit Accelerator, you’ll build real business credit without needing a personal guarantee or credit check, through a step-by-step, battle-tested system designed for entrepreneurs.
Our intuitive platform — combined with the only full-service credit advisory team in the industry — gives you personalized guidance from start to finish, making the process of establishing business credit smooth and straightforward.
What is Business Credit?
Business credit is a measure of a company’s financial trustworthiness. It reflects how well your business manages debt and pays its bills, and it’s used by lenders, suppliers, and vendors to determine whether to extend credit, approve loans, or offer favorable terms.
Unlike personal credit, business credit is linked to your EIN (Employer Identification Number), not your Social Security number. It’s built by opening business credit accounts, using them responsibly, and paying vendors and creditors on time.
A strong business credit profile can lead to:
- ✅ Higher funding limits and better loan terms
- ✅ Trade credit from vendors (Net 30/60)
- ✅ Reduced reliance on personal credit or guarantees
Building business credit helps establish financial credibility, improves cash flow, and supports long-term business growth.
Key Business Credit Scores
Understanding your business credit scores is essential for securing funding, building vendor relationships, and gaining financial credibility. Here are the four most recognized business credit scores used by lenders and institutions:
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PAYDEX® (Dun & Bradstreet)
Ranges from 0–100 and is based solely on payment history. A score of 80+ typically indicates prompt payment. -
Intelliscore® (Experian)
Ranges from 1–100 and evaluates the likelihood of serious delinquency. It factors in credit utilization, payment trends, and public records. -
Business Credit Risk Score (Equifax)
Predicts the likelihood of a business becoming severely delinquent on payments. It ranges from 101–992, with higher scores indicating lower risk. -
FICO® SBSS℠ (Small Business Scoring Service)
Used by banks and the SBA, this score ranges from 0–300 and combines personal and business credit data, financials, and other factors to assess lending risk.
How to Check Your Scores
To understand your business’s financial standing, it’s important to monitor your business credit reports regularly. You can obtain your reports directly from major business credit bureaus, including:
- Dun & Bradstreet
- Experian Business
- Equifax Business
Additionally, platforms like Nav and CreditSafe offer consolidated tools to view your business credit scores across multiple bureaus, often with added insights and recommendations.
Monitoring your scores helps you identify errors, track your credit-building progress, and stay prepared for financing opportunities.
How to Build Business Credit
Building strong business credit starts with setting up your business properly and using credit responsibly. Begin by forming a legal business entity, such as an LLC, and registering for an EIN. Open net-30 vendor accounts that report to business credit bureaus, and make all payments on time.
As your accounts age, continue to:
- Monitor your business credit reports regularly
- Keep credit utilization low
- Maintain a positive payment history
These habits establish your company as a trustworthy borrower and lay the foundation for securing larger credit lines and financing in the future.
What Lenders Look For
When evaluating your business for funding, lenders assess several key factors to determine your creditworthiness and risk level. Understanding these criteria can help you better prepare for loan approval:
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Business Credit Scores
Most lenders look for scores above specific thresholds. For example, a PAYDEX score of 75 or higher from Dun & Bradstreet is often considered low risk. -
Time in Business & Revenue
Lenders typically prefer businesses that have been operating for at least 2 years and can show consistent or growing revenue. -
Debt Load & Financial Health
Your current debt levels, cash flow, and overall financial performance are critical in showing your ability to repay.
Meeting or exceeding these standards increases your chances of approval and may result in better loan terms and lower interest rates.
What We Do For You
Structure Your Business for Approvals
We help ensure your business is properly set up to meet lender and credit issuer fundability standards. This includes key compliance factors so you're positioned for faster approvals, automated underwriting, and better financing terms.
Activate Your Business Credit Profiles
We guide you through setting up and verifying your business profiles with the major commercial credit bureaus — Dun & Bradstreet, Experian Business, and Equifax Commercial. This also includes obtaining your D-U-N-S® Number, which is essential for building business credit.
Access Starter Vendor Credit
We connect you with initial vendor accounts that report to business credit bureaus — with no personal guarantee required. These accounts help you begin building your credit history with real trade lines.
Grow With Real Business Credit
Once your foundation is established, we help you unlock access to higher-limit accounts and funding sources — all without relying on your personal credit or putting your personal assets at risk.
" I love how Four Corner not only helped us get the funding we needed, immediately, but also helped us to continue to build our company. I can't thank them enough. "
" Craig was nothing short of perfect with his response, answering questions and making sure we received funds to continue to grow our business. Thanks guys! "
Thousands of Companies Use Us - Let's Get You Funded!
Let's turn your vision into reality. Contact us today to set your brand on the path to digital excellence with us.