BUSINESS CREDIT Vs. PERSONAL CREDIT
Why Business Credit Wins for Entrepreneurs
Feature
Business Credit
Personal Credit
Credit Capacity
Higher limits - businesses can access $50K–$250K+
Lower limits - usually capped based on income
Builds Business Profile
Creates a strong business credit history
Only builds your personal credit file
No Personal Guarantee
Possible to get funding with no PG or SSN
Always tied to your SSN
Protects Credit Score
Business use won't affect your personal FICO
Maxing out cards drops your score fast
Tax Advantages
Interest and purchases may be tax-deductible
Fewer deductions available
Investor/Lender Appeal
Shows business credibility and growth potential
Looks like a hobby or side hustle
Vendor Access
Use Net-30 accounts to build credit and conserve cash
Not available for individuals
Why This Matters
When you use business credit:
You protect your personal financial future
You can scale faster using OPM (Other People’s Money)
You build long-term business credibility
Even if you're just starting out, you can begin building your business credit today — and qualify for
$10K – $100K+ in funding without touching your personal credit.
Innovation
Fresh, creative solutions.
Integrity
Honesty and transparency.
Excellence
Top-notch services.
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