Business Credit
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Real. Credit. Solutions.


The business credit suite incorporates a 6 step process to meeting the criteria required to be considered for business funding. Through a unique funding interface, coined the ‘blueprint qualifier’, your unique qualifying criteria is matched against thousands of legitimate funding products.

Conventional banks only account for about 1.5% of all business lending. This means that most business lending comes from alternative lenders. Since most alternative lenders only offer 1 or 2 products, the business funding program was designed to give business owners access to a much wider variety of legitimate financing options that would otherwise be almost impossible to come by.

Business Credit & Funding Suite


Our business credit program, through the support of a Credilife® Coach and Business Funding Coach, will walk you through a step by step process formulated to transform your professional business image into a viable, self-sustaining creditworthy entity. And down the road, your business credit history and profile will also serve as a positive "financial snapshot" of your company for potential business partners or buyers.

We have earned an outstanding reputation for helping clients obtain money for their business quickly while also helping business owners eliminate their personal liability.

Business Credit Information

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  • Frequently Asked Questions
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  • Glossary
      Can I get approved for money for my business?

      Absolutely! We can help you get money for your business. Our business credit building system helps you build credit for your business, even if you have a brand new business. You can then use your credit to obtain higher credit amounts, even funding. 

      And your business credit can be built regardless of personal credit quality. So even with challenged personal credit, you can still build credit and obtain funding. 

      If your business has collateral or cash flow, or if you have good personal credit, or if you have a good credit personal guarantor, you can then typically secure money quickly, within 30 days.

      Can you help me get money for my business if I have bad personal credit?

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

      If the business owner has credit challenges and also has some kind of collateral, business cash-flow, or personal guarantor, they can also get funding along with business credit. 

      Funding can be secured in as little as 30 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, 401k and securities, even consistent revenue.

      Can you help me get money for my business if I have no financials?

      Yes, over 90% of our funding programs require no financials to qualify.

      Do you offer business credit or cash funding?

      We offer both, business credit and funding services for our clients. We help clients first obtain money for their business. We then help them obtain even more money with no personal guarantee or credit check

      How do I know if the Real Credit Solutions, Small Business Funding Edition is or isn’t for me?

      If you have great credit, you can secure money through the funding suite even if you are looking for funds to start a business. And you won’t need to show financials to qualify. Even if you have a co-signer, or a good credit personal guarantor, you can secure money with this program. 

      If your business has some type of legitimate business collateral, you can also qualify for funding, even if you have challenged personal credit now. Acceptable collateral includes purchase orders, account receivables, inventory, equipment, credit card sales, commercial real estate, 401ks and IRAs, securities such as stocks, and most other forms of legitimate business collateral. You can even qualify for funding if your business has consistent cash flow each month.

      You can also qualify for funding if you have good business credit built. If you don’t have this built, our system will help you build your business credit so you can secure funding based on your business credit profile.

      If you don’t have good credit, or good business credit, and if you have no cash flow yet for your business, no acceptable collateral, and if you also have no co-signer, you will not secure money quickly through the funding suite. If you are in a rush to get money and you don’t have any of these essentials, it will take you a year of business credit building to truly secure cash money. 

      So if you are in a hurry and don’t have these essentials, we might not be the best solution for you.

      But if you have at least one of the essentials, you stand a good chance of benefiting from this program, and starting today will go a long way in supporting your financial needs and promoting your growth in the very near future.

      How much money can I really get with you?

      Our clients can be approved for millions-of-dollars in funding if you have equivalent collateral or financials.

      Even businesses new startup businesses with no collateral can obtain up to $150,000. While businesses with collateral can secure hundreds-of-thousands of dollars to millions-of-dollars depending on the value of the collateral and/or cash-flow you have.

      How quickly can I get Funding?

      To obtain business funding lenders typically want to see that you have either Collateral, Cash flow, or Credit, whether it’s personal or business credit. If you have collateral, cash flow, or good personal or business credit, then you can typically secure money within 30 days.

      If you have challenged personal credit, no collateral, no business cash flow, you can still secure money using a good credit personal guarantor. With no guarantor or collateral or cash flow, you will need to build business credit to obtain funding which will require up to 12 months.

      I’m a start-up. Can I be approved for business credit and business funding?

      Yes, we have funding programs especially designed for new startup businesses and franchises. If you have good personal credit or a good credit personal guarantor you can secure up to $150,000 for your new business. We can also help you get approved for startup capital if you have collateral such as 401ks, equipment, stocks, and more, even with challenged credit.

      Is this business credit repair or building?

      There is no formal process of fixing business credit as there is no FCRA or FACTA laws that deal with business credit reporting. To fix business credit the business owner needs to work directly with the bureaus themselves.

      We do not provide services to help with directly business credit report repair, instead we provide solution to help a business owner build a business credit profile and score for their business so they can get money with no personal liability or consumer credit check, and can separate their business and personal liability.

      What exactly is a business credit score?

      There are 3 main reporting agencies for business credit: Experian, Equifax and Dun and Bradstreet for businesses.

      The exact definition from Dun & Bradstreet, or D&B is: The D&B PAYDEX® Score is D&B’s unique dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on trade experiences reported to D&B by various vendors. Additionally, we include the setup of all three as a part of our comprehensive services.

      The Paydex score is calculated based on only one single factor; whether a business makes prompt payments to its suppliers and creditors within the agreed upon terms of payment.

      What is Business Credit?

      Business Credit, sometimes referred to as Trade Credit, is credit that is established under a business’s name.

      Business credit permits a business owner to use their business credit profile and score, in lieu of their personal credit score and profile, for financing opportunities.

      One of the reasons business credit is so appealing is that business owners can commonly qualify with no personal-guarantee (PG). This means business owners can access cash for their businesses without the personal liability.

      Another reason business credit is a great resource for business owners is that there is no personal credit check with many sources. So, even business owners with challenged credit can be approved for thousands of dollars of credit for their businesses.

      To qualify for most business credit sources the business must have a positive credit score established with the appropriate business credit reporting agencies. The two most commonly used business credit scores are the Paydex score from Dun and Brad Street and the Intelliscore from Experian. Once a positive business credit score is established, many merchants will then approve the business owner for credit in the business’s name.

      Thousands of major merchants offer business credit. But most don’t promote their business credit programs, so they are difficult to locate. Some merchants offering business credit include Chevron, Dell, Staples, and Lowes.

      Once business credit is established and paid-as-agreed, the business credit scores will continue to increase. As more positive credit history is established and scores increase, business owners can then be approved for even more credit with higher credit limits.

      Business credit is an outstanding resource for businesses. Owners can obtain credit to run and expand their businesses without the personal liability of using a personal guarantee.

      What is Credilife®?

      Credilife® is an established, ever evolving, compliant, accurate, and successful Credit Life Improvement Program that thrives on customer service, research, and strategy. The result? A blueprint for success with great purpose. 

      A credit services organization need not subscribe to Credilife® to be credible, but for those that do, rest assured, they are working to raise the bar for the industry as a whole when it comes to helping consumers improve their credit, get out of debt, and carve a new path toward financial independence.

      Through a combination of coaching initiatives, budgeting and credit building strategies, complemented by a factual technical credit disputing process, Credilife® is much more than a traditional credit repair program. See the Credit Builder Blueprint® as an example of the additional effort that is placed into ensuring each consumer’s successful transition from credit challenged to a viable, healthy credit life!

       We believe in promoting strong affiliate awareness because a healthy referral network made up of select industry professionals is the best way to find consumers that are motivated and deserving of such an opportunity… goal driven consumers, who are motivated and prepared to embark on a path that will lead to a future full of opportunity… diamonds in the ruff!

       Ready to join us, or want to know more? Connect with one of our affiliated businesses to subscribe to a new way of life… a Credilife®. 

      What makes your business credit builder 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. 

      The finance suite is the only system which has certified funding advisors and business credit coaches, the only system that gives out a free DUNS number to clients from D&B and free Experian Smart Business Data.

      The finance suite has more lending sources, revolving business credit accounts, and starter vendor accounts than any other system. And the finance suite is the only system with application auto-population, one-click access to business credibility sources, and underwriting guidelines provided for all business credit sources.

      And this is the only system which the business credit reporting agencies live data stream report information securely into, showing how credible the system truly is.

      And, Real Credit Solutions, Small Business Funding Edition through its affiliations offer more funding programs through more lenders than any other option on the planet.


      Our 401k Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in a 401 K plan or IRA. In as little as 3 weeks you can invest a portion of your retirement funds in your business, giving you more control over the performance of your retirement plan assets and the working capital you need for business growth.

      There are many benefits for 401k financing including that it offers a safe, proven plan based on long-standing provisions of the Internal Revenue Service. You can be approved within 2-3 weeks, and multiple partners can join in and contribute from multiple 401k plans. Plus approvals are as high as 200% of the amount you currently possesses in your 401k now.

      You will have your own personal specialists that will help you setup your 401k financing. They will assist you with setting up a new 401k plan for your corporation and rolling over your funds to your new 401k plan. Your new 401k plan can then invest in your corporation, instantly increasing your capital making your business cash rich.

      This is a great funding option for anyone with an existing 401k or IRA who want to use those funds to start or grow a business. See the 401K Plan Financing videoHERE.


      Our Account Receivable Financing program is great for any business who has outstanding account receivables that they would like to be quickly converted into cash.

      Many businesses wait weeks, even months to get paid on their outstanding account receivables. This typically creates major cash-flow issues as they provide their goods and services and absorb those costs until they eventually get paid sometimes 90 days later.

      With our Account Receivable Financing you can regularly secure money against your receivables in as little as 24 hours.

      To qualify for AR Financing your business must be open for at least 12 months, while you can be approved for Purchase Order Financing even as a brand new business. The lender will review your existing receivables or purchase orders, and will look into the company that your receivables are with.

      Once approved you can then receive funding up to 80% of your existing receivables. Medical and construction receivables can also qualify for this financing program with us.

      The lender truly doesn’t care about your personal credit qualify. So even if you have horrible personal credit, if you have good receivables or purchase orders you can still be approved.

      This program is amazing for anyone who has outstanding receivables. You can obtain funding borrowing against your existing receivables and receive money within 24 hours versus waiting months to get paid.

      This can help significantly ease your cash-flow restraints, and more easily build an even more profitable business. See the Accounts Receivables Financing videoHERE.


      Business Revenue Lending will lend your business money based only on you having consistent revenue now. If your business has $150,000 or more collected in revenue this year, you might qualify for this program even if you have personal credit challenges.

      Approval amounts range from $5,000-150,000 based on the amount of current revenue your business reflects on your business bank statements. To determine your approval amount the lender will review 4-6 months of your bank statements. If your statements reflect you earn more than $150,000 in revenue, if you don’t have a lot of Non-Sufficient-Funds showing on your banks statements, and if you are processing 30 or more transactions in a month, you stand a great chance of being approved.

      Loan terms are typically between 6-18 months and you can be approved with as low as a 520 consumer credit score. To pay back the loan they will collect a portion of your future revenue until the loan is paid back in its entirety. This is a nice benefit as if your revenue drops in a month, so will your repayment obligation.

      This is an exceptional funding program for any business that has consistent revenue each month, even if you don’t have financials to supply. All that is reviewed for approval is your bank statements and sometimes your merchant statements. So if those statements are solid, you stand a great chance of being approved.

      You just can’t beat a program that lends you up to $150,000 even if you had challenged personal credit, just because your business is bringing in revenue. And it only takes 2 weeks to close and secure your money.


      We offer a variety of commercial real estate lending solutions through our nationwide network of dedicated originators, underwriters, banks, life insurance companies, other institutional lenders and private investors.

      Commercial real estate financing is available ranging from $75,000 to $20,000,000. This financing can be used for the purchase of property, or the refinancing of a property, even if you are doing a cash-out refinance.

      Loan-to-values range from 55-65% depending on the purpose of the loan. We have funding programs available including owner occupied SBA 504 and 7a loans, commercial property financing, money for investment properties and hard money loans, bridge loans, and loans for the purchase of commercial real estate.

      You can acquire funding for offices, industrial, offices- general or medical/ dental, industrial facilities, light manufacturing buildings, mixed use properties, commercial condos, auto dealerships, light auto services, day cares, assisted living facilities, entertainment venues, multi-family properties, retail warehouses, self-storage facilities, and more.

      Commercial real estate financing is a perfect way to get money to purchase a business location, or to borrow against a building you already own to secure money.


      Commercial signage is expensive, sometimes costing a business owner more than $20,000. Even with the high cost, this is something most storefront businesses can’t do without.

      Our commercial signage financing offers approvals ranging from $1,500 to $50,000 to business owners who want to purchase commercial signs.

      Typically, you can be approved in as little as 24 hours, even if you’re a brand new business. Keep in mind that you don’t need any financials to qualify can secure financing for multiple signs as well as obtain financing for larger signage including Monument, Pylon, Pole, Neon, and Channel Letter Signs. Get approved, gain exposure, and enjoy your new competitive edge.


      A recent Gallup survey found that 80% of U.S. businesses lease a portion of their equipment. The list of companies using leasing ranges from the Fortune 500 to the family store.

      We offer equipment financing and leasing programs for startup and existing businesses. You can get approved even with challenged credit, you won’t need financials to secure equipment financing, and approvals take as little as 24 hours.

      This type of funding is good for business owners who want to borrow money to get equipment, or for owners who want to borrow against existing equipment they already own. The lenders are looking for credit scores above 640, and no major collections, tax liens, judgments, foreclosures, or bankruptcies on the credit report.

      Clients can use this financing to leverage existing equipment they already own to qualify for funding. Many other business owners use this type of funding to lease equipment and gain tax advantages without using out-of-pocket money to purchase that equipment.

      When purchasing equipment our lease program will actually pay your equipment vendor 50% of the purchase price upfront so they are motivated to move quickly for you. And you can obtain equipment financing from us as high as $2,000,000.

      We offer many types of equipment financing including equipment Pronto Leasing, standard leasing, municipal leasing for state and local governments, equipment financing, heavy equipment financing, equipment sales-leaseback, and more.

      Equipment financing is a perfect for a business that has or wants equipment and has average or above credit to qualify, or a business who wants to purchase or lease new equipment for their business.


      You can enjoy a quick closing and high loan-to-values with our rehabilitation loans. Rehab loans are tailored for the real estate investor who wants to make repairs before selling the property. Using the property as collateral, funds are available for short-term residential renovation projects that most traditional banks and credit unions won’t approve. Authorized monies will be held in escrow and released in draws in the order that their contractors complete renovations.

      Typically, you can secure financing up to 65% of the after-repaired-value. There is no prepayment penalty, your clients can secure 6 month loan terms, and most residential 1-4 family units that are non- owner-occupied will qualify.

      Small apartments and condo conversions allowed by exception and this loan must take first mortgage position. Your clients can obtain loans starting from $25,000 or more, and they will need a 660 or higher credit score to qualify.

      This is an outstanding program for any real estate investor looking to purchase and rehab properties.


      Inventory Financing is for clients who have over $300,000 or more in existing inventory.

      With this financing you can borrow against your existing inventory and qualify for financing. The inventory is used as collateral, so you can be approved even if you have challenged credit. Your approval amount is typically equivalent to 50% of your existing inventory, and loan amounts start as low as $150,000.

      This type of financing is perfect for business owners who have a large inventory and are looking for funding for their business, even when they have personal credit challenges.

      Inventory Financing offers a great way to secure money for your business turning your inventory into cash flow.


      These funding vehicles are for businesses who accept credit cards. If you accept credit cards and have sales over $5,000 monthly, you might be a great candidate for merchant advances and card credit.

      With Merchant Advances lenders review your merchant processing history to determine approval. If you do consistent credit card sales of $5,000 or more each month, and if you have limited chargebacks, you can qualify for this program even if you have challenged personal credit now.

      This program offers approvals as high as $250,000. Your approval amount will vary based on the amount of credit card sales you typically process in a month. The lender will see how much you process each month in credit cards, will then determine the time frame they want paid back, and will then give you an offer of what percentage they will collect on your future credit card sales until they are paid back.

      This financing program is not based on the quality of your personal credit. The lender will look at your credit just to insure you are not currently in trouble, such as having any large outstanding collections owed or judgments or liens. The lender just wants to insure no creditors are going to purse you causing you to default on the merchant loan, they don’t look at the personal credit to make their main lending decision.

      This is a great funding program for you if you have good credit card procession volume monthly, even if you have personal credit issues.

      This is a great funding program if you have good credit card processing volume on a monthly basis even If you have personal credit issues. See the Merchant Credit videoHERE.


      Our Purchase Order Financing is a short-term finance option that provides capital to pay your suppliers upfront so your company doesn’t have to deplete cash reserves.

      Our areas of expertise include production finance for work in process and Letters of Credit for trade finance. This includes import and export transactions as well as domestic trade purchases.

      Purchase Order financing allows companies to grow without increased bank debt or selling equity. It also helps you Increase market share by ensuring timely deliveries are made to your customers.

      Many businesses use their working capital to fulfill purchase orders, which creates major cash-flow issues.

      With PO financing you can be approved in less than 3 weeks and you can be approved even if you are a brand new startup business. Once approved you can then receive funding up to 95% of your existing purchase orders.

      The lender truly doesn’t care about your personal credit qualify. So even if you have horrible personal credit, if you have purchase orders you can still be approved.

      This program is amazing for anyone who has outstanding purchase orders. You can obtain funding borrowing against your purchase orders and receive money quickly, helping significantly ease your cash-flow restraints.


      Established businesses with tax returns that show good revenues and profitability can get very large sums of funding with our Secured Small Business Loans.

      If you have business tax returns, you should apply for this program which features secured, government-backed SBA program loans from $250K up to $12M.

      With SBA loans you can purchase a new business, obtain working capital, and even obtain financing to secure real estate for your business. Both SBA 7a and SBA 504 loans are available.

      Approval amounts will vary based on the collateral your business has and the amount of net profit reflected on your tax returns. The total time to close these loans is about 2-4 months. SBA financing is perfect if have financials for your business and are looking for higher loan amounts. See the SBA Loan video HERE.


      This exclusive financing program offers the lowest rates and best terms of any other credit lines on available today. It was developed to provide lines of credit leveraging securities portfolios as collateral, and provides a much higher loan-to-value versus a standard margin loan.

      You take advantage of the lowest possible interest rates and retain the security of maintaining full ownership of your securities. Your new credit line can then be used for most any legal purpose (other than the purchase of additional marginable securities) including real estate transactions, business financing or even the purchase of luxury items.

      Unlike conventional financing, the application and underwriting process is straightforward and quick. You only need to submit a simple application along with your most current brokerage account statement and we will issue terms within 24-48 hours. Funds can be made available within 48-72 hours from the time your securities are placed into your new brokerage account.

      You will received a revolving line-of-credit and pay low interest only on what you use on your credit line.You will have a choice of floating or fixed rates and you can lock in your rate at any time. Rates are as low as 1.6%, and you can obtain funding as high as 90% of the value of your securities.

      Your securities remain in your name, and you can be approved with very limited documentation. This program is not based on your personal credit or your income, so you can get approved even with credit issues or no revenue for your business. There is no prepayment penalty, and you receive 100% of your portfolio appreciation. Plus foreign nationals are accepted into this program.

      If you have securities you would like to use as leverage to obtain business funding, this is an outstanding funding program for you.


      Startup and existing businesses can qualify for up to $150,000 through our Unsecured Business Finance program.

      This program is designed to help you get funding based on your personal credit only, and you can be approved even if you are a brand new startup business now. The lenders typically will not ask for financials, bank statements, business plans, resumes, or any other of the documents so commonly requested with conventional bank funding.

      This program is as close to a no-doc program as you can get with business funding. To qualify lenders will look solely at your personal credit quality. They want to see no derogatory items on your report, a high consumer credit score of 680 or greater, a low amount of inquiries on your report, and they want you to have low balances on your existing credit cards now, below 30% of your current limits.

      Approvals come in increments of $10,000, and you can secure up to $150,000 in total funding using these unsecured credit cards. How much you will be approved for is typically based on your existing credit card limits now, so the higher your existing credit limits are the more money you will secure.

      Most unsecured cards in this program offer very low initial intro interest rates, as low as 0% for the first 6 months. Rates typically range from 5-29% after that based on risk. Any success based fees are rolled into the transaction so you won’t pay out-of-pocket.

      This is one of our most popular programs as no business financials are required for qualification helping insure you can easily get approved quickly.


      Established businesses with tax returns that show good revenues can get very large sums of unsecured funding with our Unsecured Business Lines of Credit.

      If you have business tax returns, you should apply for this program which features unsecured draft check lines of credit ranging from $50,000 to $250,000 each. This line of credit comes with incredibly low interest rates and generous payback terms.

      You can secure a working-capital credit line up to $250,000 using your business financials to qualify. Most lenders will report your account to the business credit reporting agencies helping you build your business credit.

      Your approval amounts will vary based on the revenue that is reflected on your business tax returns. And you can secure your new credit line in about 4-6 weeks. You can then use, and reuse your credit lines paying a small payment only on the balance you owe.

      This is an amazing program for any business that shows good net profit on their tax returns, and wants a high-limit open line-of-credit.


      This is a great funding program to help anyone wanting to wrap a vehicle to be able to do so without typing up precious capital. Wrapping a vehicle your business information turns your vehicle into a rolling billboard. This is the reason so many business owners are using wrapping as a main form of advertising their business. But vehicle wrapping can be expensive ranging from $2,000-50,000, so many business owners miss out due to the cost.

      We offer financing so you can obtain a graphic wrap for your vehicles. Approvals in as little as 24 hours, and you can be approved even if you are a new business. You can even secure multiple wraps for different vehicles. Loan amounts range from $1,500-15,000, and you can qualify even with a credit score as low as 600.

      This program will work even if you have challenged personal credit. Typically, you don’t need any financials, tax returns, P&L’s or balance sheet. Now you can finance your wrap, and pay for it as your vehicle is on the road- advertising your business while generating revenue.

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