Business Credit

TYPES OF BUSINESS CREDIT:
* Secured - based on assets.
* Unsecured - A/R factoring
* Business Lines of Credit -up to $200K
* Business Credit Cards - up to $100K
* Trade accounts reported to Experian Business & D&B

Business credit is different from personal credit. Personal credit is rated by FICA and a National Risk score. Corporate credit is rated by a Paydex score, which is provided by Dun & Bradstreet. Also, business credit is rated by Experian scores called an Intelliscore.

Once you sign up for our Business Credit Services will assist you in finding the best loan for your business by:

	We can get Pre-qualifying for you and your business within one business day of us receiving your application.

	Our loan experts will pre-qualify your loan/lease request and find the best loan/lease program for your business.

	We will then package your loan/lease request specifically for the lender that best fits your needs. Packaging will include all written documentation the lenders need to fund the request.

	You will then have access to our loan department for the future of your business� life to submit any future requests.

	You will also be provided special offers and discounts on any Business Credit Services� products and services.

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Alternatives Available if You Don't Qualify
If lenders keep turning you down for business loans, there are alternatives. At that point, you need to determine what you will need the money for. By determining the use of funds you can decide if trade credit will help. Trade credit is financing provided by other businesses to yours. Trade credit is the single largest business to business financing in the world. In is also one that is the last looked at and one of the easiest to obtain.

Trade Credit - Trade credit is referred to as Business Credit. Businesses will lend money to you to purchase their products if you qualify. Most businesses will look at your business credit profile and score to determine if you qualify.
In most instances, when a loan is needed, it is to purchase of product or service for the business.

It is at this point that a business could obtain the product or service on credit if their business had a proper Business Credit Profile and Score. Businesses turn to various credit bureaus to find the profile and score.

Before you apply for business credit you should be certain you have a credit profile and score set up. This will increase your chances for approval.

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