Is Your Business Credit Really Business Credit?
Many owners think they’re building business credit when it’s really a personal card with a business name on it. Build a credit file under your EIN, or get 0% intro APR cards for capital now.
No Revenue Required
Start with just an EIN or a new LLC
Built on Your EIN
A credit file that belongs to the business, separate from your personal file
Guided by a Specialist
We walk you through exactly how it works on a quick call
0% Intro APR Cards
Startup capital now, based largely on personal credit
See Your Best Path
Tell us where your business is right now. We’ll show whether the credit builder, 0% cards, or both fit you before we ask for contact details.
Two Paths. One Stronger Business.
Tell us whether you want to build credit, get capital now, or both, and we’ll match you to the path that fits.
Build — Real Business Credit
Business Credit Builder
Build credit under your business EIN instead of your personal file.
Not a Personal Card
Many “business” cards are really personal credit with your company name on them. This is different.
Specialist Walkthrough
We explain how the program works and what to expect on a quick call.
Capital Now — 0% Intro APR Cards
0% Business Credit Cards
Limited-time 0% introductory APR for startup costs and cash flow.
Credit Stacking
Multiple cards, each approved separately, for more combined spending power.
Based on Personal Credit
Approval depends largely on your personal credit. Rates rise after the intro period.
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.
Ready to Build Real Business Credit?
Take the 60-second snapshot and see which path fits your business: the credit builder, 0% cards, or both.
Start My Snapshot