Fifteen to eighteen tradelines reporting positively under your EIN.

That is the threshold. That is when your business becomes fundable in a way that most business owners

never achieve.

A tradeline is simply an account that reports your payment history to a credit bureau. When you have 15 to

18 of them reporting positively under your business EIN — on time payments, healthy credit utilization,

consistent activity — lenders see a business with a real financial track record. Not a person with a business

name. A business with its own identity and its own proof of creditworthiness.

Here is the progression.

Tier one — starter vendor accounts. These are your first accounts. Uline, Quill, and Grainger are the

standard starting points. They approve your business without checking personal credit. They extend net 30

terms. You order supplies, you pay within 30 days, they report to Dun and Bradstreet. These three accounts

alone begin building your D&B Paydex score.

Tier two — business charge accounts. Once you have three to five tier one accounts reporting you qualify

for business charge accounts with stores like Home Depot, Staples, or Office Depot through their business

credit programs. These accounts report to multiple business bureaus and begin expanding your profile.

Tier three — fleet and gas accounts. Business fuel cards through companies like Wex or Shell report to

business bureaus and demonstrate business activity at a level that signals real operational spending.

Lenders look for this.

Tier four — business credit cards. At this stage — after you have established your tier one through tier

three accounts — you can apply for business credit cards that report to business bureaus without requiring

a personal guarantee. American Express Business cards, Divvy, and other fintech business cards operate at

this level.

Each tier builds on the last. Each approval strengthens your profile. Each positive payment adds to a

growing record that lenders can evaluate independently of your personal financial history.

The most important principle through every tier is this: pay on time. Every time. Business credit scoring

places significant weight on payment history. A single late payment can set your score back significantly in

the early stages of building.

The Business Credit Mastery Eight Week Class covers every tier in detail — which accounts to open, in

what order, how to apply, how to monitor your profile, and how to use your growing profile to access real

capital.

Eight weeks. Every Thursday at 6:30 PM Eastern. June 11 through July 30. Workbook included.

Enroll here: copecart.com/us/products/25b9106d/checkout

Summer Special: Enroll in the 12-month coaching program this month and the eight week class is included

at no additional cost. Full year of guidance plus eight weeks of intensive live coaching for $2,997. Checkout:

copecart.com/us/products/25b9106d/checkout

— Tamika R. Ngaham, LNHA | Founder and CEO | Expert Business Advisors LLC | Triple-Certified MBE WBE

SBE | [email protected] | 727-439-1953 | expertbusinessadvisors.org