Here’s Your Best Path Forward
Your snapshot is in. Review your recommended path below, start your application, and watch your email for a link to book a quick call with a specialist.
Snapshot Received
Your answers are in and your path is ready below
Your Recommended Path
Credit builder, 0% cards, or both, matched to your answers
Book Your Call
Check your email for a link to schedule with a specialist
Decide With Full Info
Pricing and options are explained on your call before you commit
Your Recommended Path
Based on your answers, here’s where we’d start. These are estimates, not approvals, and a specialist will walk you through the details on your call.
Simple Steps. No Runaround.
Building credit takes the right setup. Here’s exactly what happens.
Quick Snapshot
Tell us your business status, your goal and your personal credit range, and see your best-fit path.
Specialist Call
A specialist walks you through how the credit builder and 0% cards work, which fits you, and what the options look like.
Get Set Up
Confirm your business details, complete your application, and start building credit under your EIN.
Good to Know
Results are an estimate, not an approval. Card approvals are decided by each issuer and depend largely on personal credit. Credit-building results vary by business, and the program is not a loan or a guarantee of funding.
What to Have Ready
A few basics make your call and your application go faster. Card applications involve a credit check.
Business Credit Builder
- Your EIN or business formation documents
- Business name, address and phone number
- Business bank account details
- Photo ID
0% Business Credit Cards
- Photo ID and your personal details
- Your EIN and business information
- Business bank account details
- Your okay to run a credit check, which each card application involves
A Business Name on a Personal Card Isn’t Business Credit
Real business credit belongs to the company, not the owner. Here’s the difference between a card with your business name on it and a credit file built under your EIN.
Straight Answers Before You Apply
Does checking my options affect my credit?
The snapshot is an estimate based on what you enter and has no score impact. Business credit card applications do involve a credit check, and we’ll tell you before that happens.
What’s the difference between business credit and a card with my business name on it?
Real business credit is built under your company’s EIN, so the business has its own credit file. A card that only carries your business name can still tie back to your personal credit. A specialist can walk you through the difference for your situation.
How do the 0% cards work?
They offer a limited-time 0% introductory APR and are approved largely on your personal credit. Each card is approved separately by its issuer, approval is not guaranteed, and rates usually rise after the intro period ends.
Do I need revenue, an LLC or an EIN?
You don’t need revenue to start. Building credit under your EIN does require a formed business and an EIN. If you haven’t set those up yet, a specialist can point you in the right direction.
What does it cost?
There is no charge to submit the snapshot. A specialist explains the credit builder’s pricing and payment options on your call, before you decide anything.
Are you the lender?
No. Local Market Reach is a commercial finance broker. Card approvals, limits and rates are set by each issuer, and the credit builder is offered through Lead Sensei. Results vary by business, and the program is not a loan or a guarantee of funding.