Eight weeks ago you started this class not knowing exactly why your business had been denied.

Now you know.

You know the difference between building credit under your SSN and building credit under your EIN. You

know the five foundation elements that every business must have in place before applying for any funding.

You know which vendors to approach first, in what order, and how they report. You know what a Paydex

score is and why it matters to lenders who will never look at your personal FICO. You know why personal

guarantees follow you and why avoiding them when possible is strategic rather than reckless.

That knowledge alone puts you in a completely different position than you were eight weeks ago.

But knowledge is only the beginning.

The real work is execution. Consistent, patient, strategic execution over the next 6 to 12 months as your

business credit profile grows, matures, and becomes the kind of financial record that lenders recognize as

fundable.

Here is what the next 12 months look like for a business owner who applies what they have learned.

Months one through three: foundation locked in. All five foundation elements in place. First three tradelines

— Uline, Quill, Grainger — reporting to Dun and Bradstreet. Paydex score established.

Months four through six: profile expanding. Tier two accounts opened. Business charge accounts with

major retailers reporting. Profile visible to Experian Business and Equifax Business. Credit utilization

managed carefully.

Months seven through nine: business credit card eligible. First true business credit card applied for and

approved — one that reports to business bureaus and does not require personal guarantee. Credit line

maintained at below 30 percent utilization.

Months ten through twelve: funding conversation begins. 15 to 18 tradelines reporting. Business line of

credit conversation with a lender who evaluates business credit profile rather than personal score. This is

the conversation you could not have 12 months ago.

The 12-month Expert Business Advisors LLC coaching program walks you through every month of this

progression with personal guidance, access to over 1,000 lenders, and accountability at every stage.

If you completed the eight week class and are ready to take the next step — enroll in the 12-month

program now: copecart.com/us/products/25b9106d/checkout

If you know a business owner who is ready to start this journey — share your referral link with them.

Every paid enrollment earns you $500:

https://api.profitlifter.com/widget/form/UXP8r0Mh2HV4cmZiNaMd?am_id=tamika8650

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

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