hey y'all it's Rose and I'm back with another video today we are going to talk about three e n Only business credit cards make sure y'all stay to the end because I'm going to give you a bonus business credit cards you do not want to [Music] okay y'all so I'm back with another video and I know a lot of you guys are looking to build your business credit build your business credit scores up so that you can get approvals that are only based on your EIN and do not require any personal credit score so I want to give y'all the resources for my top three business credit cards that only require your EIN also I want to make sure I give y'all an update on the requirements and the task of building business credit right now so without further Ado we're going to get straight into it first and foremost I did want to go over building out your business credit because that is an important step to get to those three three business credit cards so if you don't need this step feel free to fast forward to the next chapter where I go straight into each business credit card so Bo first thing we're going to do is we need to establish our business structure properly it is important that your business is set up properly you will need to have some type of legal formation with your secretary of state whether that be a LLC ESC Corp whichever you decide to do so that's the first thing I would suggest getting your LLC with your secretary of state I'm going to be doing how to set up your LLC Ein and duns number video as well so make sure you guys click the link above for that YouTube video If you haven't set those up already I am going to show y'all how to do that on that video Above So boom you have your LLC the next thing you need to do is get your EIN number with the IRS this is free for you to get your EIN number it is not an additional cost and you get it the same date online your third thing that you're going to need is your actual DS number with duns and Brad street now once your business is already created you're going to go on the duns and Brad street website and you're going to search the duns number you may already have one that's generated you just have to put it in your business name as well as the address if it does not automatically come up you can go ahead and move forward with creating a new d D number now with the dun's number it is about a 7 to 10 day process you're going to need this because this is your business social security number that allows you to actually build business credit with different companies so it is important for you to get make sure you look out for a call from them they may call you to verify your business or information your D's number is free as well just want to make sure you put in all the correct info that is associated with what you filed with your second AR of State when you did your LLC so now that we got our J's number out the way we are ready to start building our business credit now business credit building is similar to personal credit building because you have to add trade lines which you have to add accounts that are in your business name so that you can get that business credit score that you want to generate now with business credit you have experience Equifax and then you have your payex score which is with dun and Brad street you need to generate a score to actually get approvals with Experian and your payday score those are honestly the main two that really matter that most companies check when it comes to building out your business credit so now we're ready to start building let me recommend some business credit Builders to you guys first and foremost a lot of things have changed with business credit building because a lot of people have done it haven't kept up their end of the deal with paying companies back so they have made the process a little more difficult with time first I want to let you guys know you will need to at least have three business trade lines in order to generate your payex score with duns and Brass street that is a minimal requirement directly from them building out your business credit is about a 90day process honestly it is about 90 days so in order for you to generate that business CR credit score remember you have to have three trade lines but also you may need to have those three trade lines reporting for 60 to 90 days before you generate a score on dun in Brad street which is your payex score Experian is pretty easy with generating a score once you add your first few trade lines it's going to automatically jump up but it's the dun and Brass street that you need and can take a little bit longer for you to do so I'm going to recommend some business trade lines for you guys to add and first and foremost I'm always going to give y'all my Triple Threat love it so much it's going to be nav Prime I'm going to put the link above for y'all to sign up for nav Prime and put the put it in the description as well nav Prime is a business credit Builder account it also allows you to monitor your business credit scores and they also offer different funding with different companies once you sign up with them and build out your business business credit profile so nrom is a great option for anybody looking to currently build their business credit they give you one business trade line for $49.99 a month which is nav Prime you have the full access to the trade line monitoring your business credit score and then you also have the option of you know getting different financing options with them now for a second trade line at no additional cost they also have the nav Prime business credit Builder card this is going to be a business credit card that allows you to build business credit based on your everyday transactions that you have on this card now the nav Prime business credit card look it is no minimal credit score requirements you don't have to be in a contract for anything you literally just sign up link your account so you can make your payment on a regular basis and you automatically get the option to start building business credit and you have your first business credit card it's like a secured credit card pretty much to help you build business credit so with nav Prime you get two business trade lines for $499.99 a month the Builder card is free for you to add that trade line and then they also have additional financing options so once you put in all your business details what industry you're in you know the income you're looking to bring in they give you different different financing options based on companies you know that work with people with starter or Advanced business credit so it is a great option I want y'all to sign up for nav Prime so I'm going to link it above and in the description for you guys love them so much shout out to na Prime um so then we've gotten now remember we need three trade lines we automatically got two out the gate that tra those two trade lines are going to report within the first 30 days roughly 30 45 days now we need to get a third trade line so your other option is going to be edible edible is a business credit trade line it's $19.95 a month where you can actually sign up with them and you can link your personal Utility payments to actually get the approvals of starting to build out business credit so you can link your life gas they are going to verify all the information is in your name and once they confirm that it is and you make your payments on time on a monthly basis they will use that to report a business trade line for you on your credit if you have multiple utilities that you're able to link you get to have multiple trade lines so with ecredable now that's your third business trade line potentially could be more depending on how many accounts you link and that's $1 199.95 a month so I'm going to link incredible for y'all above right here and in the description and I also have a coupon code for y'all so y'all can sign up and get a little discount off your first month 20% and then the third option is going to be Crown office supply now Crown office supply is also a company where pretty much it's a net 30 account where you sign up with them they approve you for a certain amount you can use and then you have to purchase an item and pay back on that on a monthly basis so with crown office supply that also is another option for you to get a fourth business trade line and I'll link that one for you guys as well so I've given you guys options so that you can build out your business credit remember you need to have at least three business trade lines to generate that payex score with dun and Brass Street you need to pay these accounts on time for the next 30 to 90 days at minimum to ensure that you generate those scores that you need now once you have an 80 or above on both Experian and your payex score the sky a limit baby you can start applying for our top three business credit cards so starting out the gate is going to be Sam's Club we love Sam's Club we're familiar with Sam's Club and they have great options for you now listen listen and don't ask me in the comments later I'm telling you up front you need to go open your business Sam's Club account today first thing you need to do is open that account and wait at least 31 days to establish your relationship with them before you start applying for their business credit cards regardless of if your business credit score is already where it needs to be or it isn't please go and open your business account with them today they have two options you can do the $50 business account or they have one for $110 just go ahead and open that account so you can already establish a relationship with them make sure you give all your business details that are associated with your business based on what the secretary estate already got so that's the first thing you're going to sign up wait your 31 days now with Sam's Club I would suggest you go in when you sign up as well as apply for the credit card because you want to make sure they have all your information on file correctly but you can also apply online but I suggest going in and then you're going to do your application give your basic business info give your EIN number and you're going to apply for that credit card once you have the business credit scores that you need Sam's Club goes up to $220,000 and it is Ein only which means this will not affect or go on your personal credit at all I've seen people get approved out the gate for8 10 12, ,000 and I'm going to insert a little testimonial above for you guys for Sam's Club number two is going to be Costco Costco is another brand that we know and love they also have a business credit card directly with them now with the Costco card it is $120 for you to do your business account with them but the good thing about the C Costco business credit card is just like the Sam's Club this card can can be used anywhere you pay your membership you're applying for the car once you have the right business credit scores and with the Costco business credit card they have 2% cash back on your purchase it is a Visa credit card and you can also add authorized users on this card for people that are in your company with Sam's Club you can do that as well and these credit cards can be used anywhere and then our third option is going to be the Amazon business credit card which is roughly goes up to about $30,000 same application process your business details and Ein only it's not going to affect your personal credit at all you can use the Amazon business credit card anywhere and of course you can use it on Amazon so all of these three allow you to use the credit cards anywhere but they are great options for business owners for whatever supplies you might need for your companies and remember I gave you guys as a bonus there's two bonuses for you so I have Lowe's in Home Depot those are my bonus credit cards that you can apply for Ein only the great thing about loads is they pull from the same company that Sam's Club does so if you get approved for Sam's Club you can automatically get approved for lows so for my companies that may need you know construction materials lows and Home Depot are going to be a great option for you guys so those are my top three business credit cards I hope that you guys love this content I'll make sure to link everything in the description for the credit builders that you guys need to sign up for and of course I know this may be a difficult process for you to get started on you may need some one-on-one help and attention from me on how you can build your business credit so or get business funding if you are looking to get any type of business funding and your business has some type of establishment I do offer business consultations to help you build your business credit or get business funding so I will be sure to link that above so you guys can book a consultation with me last but not least if you already have a business that is established and you bring in at least $10,000 per month I want to let you guys know about this business funding option that's available no minimal credit scores are required you just have to bring in $10,000 per month and you can show proof with your current and your actual business bank statements you can get approved up to $300,000 with rock Financial I'm gonna put the link in the description for y'all comment business funding if you want the link so you can apply this is a onepage application you can do yourself once you apply your Finance advisor is going to call you let you know what you're approved for they do business loans they also offer lines of credit and they do equipment loans for all my people who may need some type of equipment and it's not just for Trucking they also do it for restaurant businesses Technologies the list goes on and on so if you want more information about that just comment funding and I'll send you the details until next time make sure y'all subscribe thank you again for hanging with me here at Rose credit repair and don't forget like subscribe comment below if you have any credit questions I'm going to be answering them myself in the comments so you know what to do until next time