About Us

Few Words About Us

The Leader in Business Credit & Funding for small businesses

Our mission is to help entrepreneurs obtain the capital and credit they need to fuel their dreams.  Whether you are just starting your business or looking for millions in capital to expand, we have solutions that can help you fund your endeavors.

Our business credit solutions help you build credit for your business EIN that’s not linked to your personal social security number. This credit can be obtained quickly regardless of personal credit quality, collateral, or cash flow. And you can get approved with no personal guarantee.

We can also help you with all aspects of obtaining business loans, even when banks say “no”.  You can get approved and fund within 72 hours or less, and for low-rate, long-term loans, and credit lines.  You can access cash flow financing, asset-based financing, even unsecured financing you can secure even as a startup company.

Our expert business advising and finance team help you with all aspects of obtaining corporate credit and acquiring business loans. Plus, you also have access to our cutting-edge finance suite technology to help expedite your results.

If you’re interested in obtaining capital for your company at the best terms, we have solutions for you. Complete our Pre Qualification form or contact us today for your no-cost business credit and loan consultation.

GET YOUR FREE BUSINESS CREDIT CONSULTATION

Christopher Pryor

Chief Executive Officer


Christopher Pryor is the author of Business Credit 101 and has written published articles relating to business credit. Christopher currently serves as the CEO at Five Star Credit Solution. With Five Star Credit Solution, Christopher consults with and advises companies on business credit building and scoring. He oversees the business credit building for clients and helps them become a more credible business in the eyes of banks and lenders.

FREQUENTLY ASKED QUESTIONS

1Does business credit even really exist?

Just as you have a credit file linked to your SSN, your business has a profile linked to its EIN. Experian, Equifax, and Dun & Bradstreet often start your profile when your business applies for a loan, credit card, or even when you set up basic utilities.

From that point most credit you apply for won’t report to the business reporting agencies unless you apply for different types of credit in a particular order, or leave your SSN off of the application.

Real business credit can be obtained with no SSN being supplied upon application. This credit doesn’t appear on your personal credit reports either. As you build your business credit your EIN profile and score then becomes essential to helping you qualify for bank loans and credit cards. And you can use EIN credit and EIN credit alone to get approved for many types of credit without a personal guarantee.

Every highly successful privately and publicly owned company in the United States has business credit. But what many don’t know is that even startups can also obtain it… if you follow the right steps.

2Do I need to purchase the Finance Suite to go through the Funding Program?

No purchase is required! The funding programs are available to all entrepreneurs and business owners. Our goal is to help everyone get funding for their business and assist with building business credit.

We have had clients go through the funding program, receive their funding and then purchase the Finance Suite to continue with building their business credit.

3How does building business credit really work?

The first step is to ensure your business is setup credibly so you meet credit issuer and lender standards before you apply. Next, you get real usable credit through vendors. These vendors will give you credit when you have no other EIN credit established. And they report this credit to the business reporting agencies.

Within 60 days or less that credit is reported to Experian, Equifax, and/or Dun & Bradstreet. Once reported, your EIN will then have an established credit report and score.

Using that report and score you can then continue to apply for more tiers of credit where you can start getting access to revolving credit at most stores, credit that’s linked to your EIN and not your SSN and credit that doesn’t require a personal guarantee or personal credit check for approval.

You can continue to grow your credit to obtain fleet cards, even Visa and MasterCard cash credit. And by having business credit established you’ll have a much better chance of getting loans, credit lines, and get these at better terms.

4What are the enrollment charges and what do they cover?

Your enrollment costs vary, based on your payment option. Our Core program offers you access to your own Finance Suite where you can get business credit and financing for your business, along with our advisor team and Finance Officer support.

5What makes this system so different than other business credit building programs?

This is the only system in the world which successfully combines both business credit building and funding. This means clients can build their business credit and get money right away if they have good credit or collateral they can secure money in less than 30 days.

The suite is also the only system that shows business owners how to get free access to Experian Smart Business, and we help you get your D-U-N-S number with D&B, and list your phone number with 411 for free. This alone saves you thousands.

The finance suite has more lending sources, revolving business credit accounts, and starter vendor accounts than any other system on the market today. And the finance suite is the only system with one-click access to business credibility sources, underwriting guidelines provided for all business credit sources, and by far is the most advanced business credit building technology available today.

6How much money can a client really get through the system?

Clients can be approved for millions-of-dollars in funding through the system if they have equivalent collateral or financials.

Even new startup businesses with no collateral can obtain up to $150,000, not even include the vast amount of business credit that can be obtained. While businesses with collateral or cash flow can secure hundreds-of-thousands of dollars to millions-of-dollars depending on the value of the collateral.

7Can people with bad credit get money through the finance suite?

Building business credit correctly means there is rarely a credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit with the finance suite by building their business credit.

If the business owner has credit challenges and also has some kind of collateral, they can also get funding along with the business credit.

Funding can be secured in as little as 30-60 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, even consistent revenue.

And we have revenue-based funding programs where if a business owner can prove through bank statements that they have consistent revenue, they can be approved with a credit score as low as 500.

8Is this business credit repair or building?

There is no formal process of fixing business credit as there are no FCRA or FACTA laws that deal with business credit reporting. Still, our advisors will help business owners dispute any discrepancies on their business report as part of the program, and they'll have access to a section where they can go through the business credit dispute process. We even have a step dedicated to fixing errors on business credit reports as part of the finance suite.

But the main function of the finance suite is to help you and your customers build business credit, as well as get money.

Business Finance Suite Features & Benefits

  • Build Your EIN Credit
    Get credit for your EIN that’s not linked to your SSN regardless of personal credit, collateral, or cash flow through vendors, retailers, fleet, and cash credit sources.
  • Work With Experts
    You receive concierge service with your own Business Advisor and Finance Officer team who will help you obtain business credit and loans.
  • Get Funding
    Get approved for business funding even as a startup, having no collateral, or with challenged personal credit, even when banks say “no”.