97% of the people that have great credit didn’t strategically or systematically build their credit profiles. Like most people you probably applied and hoped you would get approved. Along the way, you encountered a number of denials and inquiries.
For example, It would next to impossible to get an American Express Card or Barclays Card as your or second or third credit  account. It can literally take years and some people never get approved.  Sound familiar? It would next to impossible to secure a mortgage with just a Macy’s card on your credit report.

There are absolute guidelines and specifications needed to get approvals.


Major fortune 500 companies have entire divisions of their company dedicated to building the corporation's credit accounts.

AMS and its partners have decades of experience in the industry and take the guesswork out of establishing a strong business credit profile. Your credit advisor will work with you step by step, week by week, and month by month to secure definite approvals.  We strategically help you build your business credit (that’s not linked to your SSN with no personal guarantee). We have developed a proven, field-tested, business-owner-approved, and highly personalized process. By using our user-friendly & intuitive software and the only full-service business credit adviser team in the industry, you’ll be guided every step of the way, simplifying your experience of obtaining business credit. By following our step-by-step program you should secure anywhere from 50k - 150,000 in business credit.

The goal of this program is to assist in structuring your company to access capital from the lenders on our platform. For the next 5 years, you’ll have access to our financial advisors to assist you in securing lines of credit, cash loans, lease vehicles, equipment financing, inventory financing, leveraging assets such as stocks, bonds, 401k plans at low interest.  Get corporate credit with major corporations from stores you currently spending money.

Stages 1 and 2 are foundational. Without completing Stages 1 and 2, it is impossible to build business credit scores separate from your personal credit scores. Millions of business owners “think” their companies are structured properly when in fact they aren’t. There are a lot of factors to secure a solid profile business profile that secures capital with only an EIN. That’s where your credit advisor plays a key role.
Stages 3, 4, 5 & 6 are where you actually build business credit. Stage 3 is about setting up with all the business credit agencies: Equifax, Experian, and Dun & Bradstreet. Stage 4 is for securing vendor accounts.
Below is a summary of each stage and what you must do to successfully build business credit.

Stage 1 – Set The Foundation For Building Business Credit

Stage 1 –This foundational stage is all about establishing credibility for your company.

Think about it from a lender’s perspective. They are in business to lend to companies they consider to be safety risks. They perform several underwriting checks to see if you are safe enough for them to consider extending credit
This program ensures your business is in compliance and a safety risk before applying and getting denied.
This is foundational to your success!

1.1 – Make Sure Your Business Is Ready to Build Business Credit.
1.2 – Confirm Your Business Entity Structure.
1.3 – Build Strong Business Credit and Protect It.
1.4 – Why Your Business Location is Vital to Building Business Credit.
1.5 – Assist in Directory Assistance. A Must for Approvals.
1.6 – New Items Lenders Check If Your Business is Lendable.
1.7 – Your Business Credit Identity (EIN), and How You Get One.
1.8 – Verify All Agency Listings Are Exactly the Same.

Stage 2 – Optimize Banking, Assets, And Revenue To Maximize Access To Capital

Stage 2 is all about business fundability.*

How fundable is your business?
*Fundability is about more than your business credit. It includes several components which determine how lenders, investors, insurers, suppliers, and more see your business. We know your business was worth the risk for you, but is it worth the risk for them?

The answer will increasingly be “yes” as business fundability grows.
By improving your business fundability, our Business Credit Building System goes beyond helping you build strong business credit. We improve the health of your business while greatly increasing your ability to succeed now and in the future.
Fundability Factors are:

·       Business Bank Accounts
·       Business Assets
·       Business Revenue
·       The Owners and Their Credit History

2.1 – Bank Accounts, a Vital Business Credit Building Component.
2.2 – Identifying Business Assets and Availability for Credit Use.
For the first round of funding, options are available. These are both with and without requiring a personal guarantee.
2.3 – A Business Owner’s Personal Credit Can Play a Key Role in Building Business Credit.
2.4 – Bank Visa and MasterCard Credit Cards You Can Use as Cash and Build Credit.

Stage 3 – Get Set Up With All Three Business Credit Reporting Agencies

Stage 3 is all about the business credit reporting agencies.

In Stage 3, we show you how to open and kick off your business credit files. This is with all three business credit reporting agencies. They are: Dun & Bradstreet, Experian, and Equifax.

Most vendors use Dun & Bradstreet to extend lines of credit. Landlords use them to approve office leases as well. Many credit card companies and nontraditional business lenders use Experian. Equifax has the Small Business Financial Exchange. It is most important for cash lenders such as banks.

To concentrate on one and not the others creates lopsided credibility. You need to build all three.The how-to instructions in this stage clarify how to get started the right way with each Business Credit Reporting Agency. These methods have been tested and proven by thousands of our business members before you.

There are some confusing claims made by the business credit reporting agencies.
For instance, Dun & Bradstreet claims you must pay them or they will never open a business file for you. This is simply not true. Your file will activate with them, but it takes a few reporting cycles. Equifax claims they don’t allow business owners to buy a
copy of their reports. This is true, but we show how to get a copy of your Equifax business report without buying it.

In Stage 3 we wipe away all confusion about the business credit reporting agencies. You can access all three business credit reports. You’ll get a much clearer understanding of business credit reporting. And you will know how your business credit scores are developed.

Our business credit building system is data integrated with Experian Smart business credit reports. When you first log in, you can see exactly where your company currently stands in the business credit building process. You can then track your real-time progress as your business credit grows.

3.1 – Dun & Bradstreet Business Credit Report.
3.2 – Experian Business Profile Report.
3.3 – Equifax Small Business Credit Report.
3.4 – Credit scores; What are Excellent Business Credit Scores?

Stage 4 – Starter Vendor Credit (Net 30 Day Accounts)

Stage 4 is all about vendor credit.

A vendor line of credit is when a company (vendor) extends a line of credit to your business on Net 30, 60 or 90-day terms. This means you can buy their products or services up to a certain dollar amount. And you have 30, 60 or 90 days to pay the bill in full. If you buy $300 worth of goods today, then the $300 is due within the next 30 days.

Some facts about vendor credit lines:
You can get products and services your business needs and defer payment on those for 30 days. It thereby eases cash flow. This is Net 30. Many of our vendors open a Net 30 terms account with your company. And they will do so with as little as an EIN number and a verified 411 listing.

Start with our preferred vendor list. They are known to grant credit to companies with no credit history. Always apply first without your SSN; some vendors request it. Some even tell you on the phone they have to have it. Submit first without it, with your EIN only.

If they ask you to personal guarantee it after you have submitted it without, then this is up to you.

Some vendors may ask you to place an initial prepaid order. If so, get that order out of the way fast and move onto getting a Net 30 account for your second or third order. Remember, the goal here is to have at least five (5) Net 30 accounts open and reporting. Be patient. Allow time for vendor reporting cycles to get into the system and start impacting your business credit scores. It typically takes three (3) cycles of Net accounts reporting to build credit scores. In other words, it can take 60 to 90 days to get them to report and show up on your file.

This is why it takes 90 to 120 days to build business credit scores. The credit reporting cycles are the main reason for this. It cannot happen any faster.

Stage 5 – Retail Credit

Stage 5 is all about retail credit accounts.

A revolving credit account allows you to pay a minimum due per month and not the full outstanding balance. These accounts often report to Experian, sometimes also to D&B and Equifax. Due to how they report, these accounts help build business credit on a larger scale than Net 30 day vendors alone.
If you haven’t completed Stage 1 through 4, there is no point in starting Stage 5.
Why? Because you will most likely get a decline. These accounts check if your business credit foundation is set. They want to see if your business credit files are open. They may also check your bank rating, to see if you have some open vendor lines of credit. Often, they want to see your D&B file is open.
In this stage it does not matter which retail credit card accounts you open and make purchases with. We have a great selection of companies offering products and services of value to any and all businesses.
  • Get access to vendors who will give you credit that reports to the business reporting agencies, even if you have no credit reported now
  • Get HIGH limit, revolving, store credit cards in your business name including Amazon, Walmart, BP, Chevron, Staples, Office Depot, Sam’s Club, BJ’s, Best Buy, and most other major retailers
  • Get access to fleet credit, cash credit cards, and auto vehicle financing without a personal credit check or a personal guarantee

Building a business takes capital; the more money you have access to the faster you grow.  Most business owners use their own personal credit to fund their business, or they drain their personal savings and borrow money from family and friends.  But why do this if you don’t need to?

Our Business Credit Builder program helps you start and grow your business without using your own funds, personal credit, or funds from your family and friends.  We help you build credit for your EIN that’s not linked to your personal social security number.  This credit doesn’t require cash flow, collateral, or good personal credit to qualify. So, you can get approved even as a startup business, and regardless of your personal credit quality.

Stage 6 – The End Game - Bank Term Loans, Lines Of Credit, Equipment Financing, Assets Based Lending

Stage 6 is all about getting more funding.

Getting more credit makes your business more credible in the eyes of almost all other lenders.
In Stage 6, we walk through what you must do to get funding to start the reporting process for your business. We show you how to place your business on all other lenders’ radar. We have over 40 lenders and 100 loan products that we can assist you with once you gone through the preliminary steps.

As part of Bank Credit, in Stage 6 we teach you about:

Bank Ratings – a strong business bank account rating shows your business can repay loans. We look at how banks rate your accounts.

Business Cash – We give you access to many unique funding programs. These
can bring quick cash to your business.

6.1 – Bank Rating, what it is and How to Use it to Your Advantage.
6.2 – Unique Funding Programs Which are Available Sources of Business Cash and the Second Round of Funding.
6.3 – Utilize the Sources on the platform to Find Personal Cash, Lines of Credit to Use in Your Business.
•             Credit Line Hybrid Financing (with PG) up to $150,000 -Even for Startups--
•             Business Revenue Lending and Cash Advances with 72 Hour Funding
•             Account Receivable Loans and Credit Lines with Rates of 2% and Less
•             Purchase Order Financing and Inventory Credit Lines
•             Securities and 401(k) Financing (Receive up to 80% of the value)
•             Equipment Financing and Leasing for Purchase and to Refinance Existing Equipment
•             Private Investor and Alternative SBA Financing up to 20 Million Dollars

Setup your business credibly, establish a positive business credit profile and score quickly, obtain vendor, store, fleet, and cash credit in your business name with business reporting, and become more lendable by building your business credit.
Contact us today to learn more about how you can get credit for your business EIN that’s not linked to your personal social security number.

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