The 4 Cs of Lending

If you are looking for money for your business than you will be happy to know you only need one “C” to qualify.

In lending when we look to see if a client is fundable we are looking for one of the 4 “C”s. You don’t have to have all of the 4 Cs, only 1 to secure funding. The first C is Cash Flow. When you have an existing business with good cash flow you can qualify for business funding. If you do have verifiable cash flow this substantial

increases your chances of being approved for funding. There are many funding programs you might qualify for including Business Revenue Lending. If you don’t have cash flow your business still might have Collateral, the second C. Collateral for your business is really your business assets. Many things can be used as collateral including equipment, purchase orders, even account receivables.

Having Collateral greatly increases your chances of being approved. If you don’t have cash flow or collateral, don’t worry you still can qualify for business funding. Lenders also look at your business Credit to qualify you. Business Credit is our third C.

Lenders will lend you money with no personal guarantee based on your business credit profile and score. If you have a good business credit profile you can use that as security to obtain funding.

If you don’t have business credit built now, call me so I can help you quickly build an excellent business credit score and profile. Maybe you are just starting a new business, and you have no business credit, cash flow, or collateral. In this case you can still qualify for funding. But lenders will use your personal Credit to qualify you. Personal Credit is the fourth and final C that lenders will look at to approve you for funding. You can secure credit lines, through me, up to $250,000 with as low as a 650 credit score. These types of unsecured credit lines do not look at revenue or financials. Your credit is all that is used to qualify you for funding. If you don’t have good credit, call me. I can also help you insure you have an excellent personal credit profile to secure funding. All you need is 1 of the 4 “C”s to qualify. And I can help you build business credit and improve your personal credit so you WILL qualify for funding.

Contact me today so we can talk more about obtaining

money for you and your business.

Dynamax Business Credit

Do you have a DUNS number?

The Data Universal Numbering System (DUNS) is a business identifier code provided by Dun and Bradstreet. This business identifier code was developed in 1963 to support Dun and Bradstreet’s credit reporting practices. Today the DUNS number is widely used to identify businesses lending for issuing new credit. It is also used by the European Commission, United Nations, and the United States government. More than 50 global, industry, and trade associations recognize, recommend, or require DUNS. The DUNS database now contains over 100 million entries for businesses throughout the world. The DUNS number is a nine-digit number issued by Dun & Bradstreet assigned to each business location in the D&B database having a unique, separate, and distinct operation for the purpose. The DUNS number is a randomly assigned number used to identify the business. Unlike national Employment Identification Number (EIN), a DUNS number may be issued to any business worldwide. Certain U.S. government agencies require that

a vendor have a DUNS number as well as a U.S. Employer Identification Number (EIN). The Office of Management and Budget, a United States federal agency, announced in the June 27,2003 issue of the Federal Register (68 FR 38402) that a DUNS number would be required for all grant applicants for new or renewal awards submitted on or after October 1, 2003. The DUNS number supplements other identifiers, such as the EIN, and is required whether the application is made electronically or on paper. Other agencies such as some United Nations offices and the Australian government agencies require certain businesses to have a DUNS number. A DUNS number is also a way in which separate

corporate entities, having no official relationship, can be branded as one by sharing one DUNS number among the affiliated companies. A DUNS number is sometimes formatted with embedded dashes to promote readability, such as 15-048-3782. Modern usage typically omits dashes, and shows the number in the form 150483782. The dashes are not part of D&B’s official definition of the DUNS number. Numerous other business numbering systems exist independent of DUNS—for example, the International Suppliers Network system. However, few, if any, register as many international businesses as DUNS. Dun and Bradstreet’s unique DUNS number is the most widely used worldwide method of identifying businesses.

Contact me today to start the process of getting your

DUNS number and getting approved for $50,000

in business credit this year with no personal

guarantee and regardless of your personal credit

quality.

Dynamax Business Credit

No Personal Guarantee for Business is a Problem

Most business owners use their personal credit and a personal guarantee for most of their business debts. This causes a big problem as the business owner then becomes liable for the business debts. And if the business has financial problems, the creditors then start pursuing the business owner’s personal assets like their bank accounts and home. This can easily be prevented. Business owners can build credit in their business name that requires no personal guarantee, and no personal liability. This keeps business debts separate from the personal credit, and keeps the business owner safe as there is no personal liability. Many hear that this is available and are very surprised, almost think it sounds too good to be true. Business Credit is credit that is in the business name. This credit uses the business credit profile and score to qualify, not the personal credit. Most consumers are familiar with regular consumer credit. You can go into a store like Wal-Mart and apply for credit.

When you apply they pull a personal credit profile, and then approve you based on the strength of that credit profile and score. You can secure store credit at places like Chevron or Wal-Mart, or you can apply for Visa and MasterCard credit that you can use in almost any store. Business credit works the EXACT same way. You apply for credit at the same stores, and with Visa and MasterCard. But with business credit the business credit profile and score are used for qualification, not the personal credit. This means there is no personal guarantee required and no personal credit check. The secret to success with business credit is you must first start building credit with vendors who report to the appropriate business credit reporting agencies. Once this is done you then will have an excellent business score and profile that can be used to start obtaining credit in the business name. All you need is a corporation to qualify. And approval limits are much higher than normal consumer credit.

Contact me today to get started on building business

credit with no personal guarantee or credit check.

Dynamax Business Credit

Your money is waiting

SBA Loans are only a few of many financing options available through our business funding suite. One SBA program that might be perfect for your business is known as CAPLines. This is an umbrella loan program that helps small businesses meet their short term and cyclical working-capital needs. There are many types of CAPLine types of lines of- credit including Seasonal lines, Contract lines, Builder lines, and Standard and Small Asset-Based

lines. Each line has a separate purpose which can help you and your business. For example the Standard line is a revolving line-of-

credit for cyclical growth, recurring, and short-term needs. The Seasonal lines can be used to offset lower revenues in slower seasons, while the contract lines can be used to pay for contract costs for expansion. SBA offers many programs you can benefit from, and the money is ready and waiting.

Contact me today to get started and be on your way to $50,000 in business credit approvals with no personal guarantee and regardless of personal credit history.

Dynamax Business Credit

Why is it secret? DUNS number, Paydex score, Intelliscore or Duns and Bradstreet.

You have most definitely heard of Equifax, Experian, Trans Union, and the FICO score before as they are household names. But most business owners have not heard of a DUNS number, Paydex score, Intelliscore or Duns and Bradstreet. Entrepenauer.com reported that less than 10% of business owners have any knowledge whatsoever of business credit. WOW is this great for you! It’s great because now that you have found me you DO know about business credit. It is even greater because 90% of other business owners no nothing about it making it all YOURS. Have you been affected by the changes in economy over the last few years? Many creditors have lowered credit limits while others deny applications that once would be easily approved. This means less money for you making it tougher and sometimes seemingly impossible to do business. Well not anymore. You qualify for $50,000 or more in business credit. And this money can be secured with no personal guarantee or personal credit check. Business credit is still vastly available because 90% of business owners know nothing about it. This means you just found the $$$ goldmine you have been dreaming of. Within a few months you will qualify for thousands in real usable credit. Within 6-12 months you will have access to over $50,000 in revolving credit with major retailers. In 1-2 years you can then continue on to qualify for $100,000-$250,000 based on how you utilize your newly acquired credit. The credit IS available and waiting. And this is credit you can use to build the company of your dreams without the personal liability.. 

Contact me today to get started and be on your way

to $50,000 in credit approvals with no personal

guarantee and regardless of personal credit history

Dynamax Business Credit

Experian Business

Dun& Bradstreet is the primary company used to evaluate business credit and issue a credit score known as Paydex. There are also other companies that provide similar credit evaluation services to businesses based on their independent databases. One of them is Experian Business who offers a credit score known as Intelliscore. Experian, one of the three major consumer credit rating bureaus and also provides business credit evaluations for over 27,000,000 small businesses and corporations. Experian’s model is designed for companies that provide goods and services to small businesses. 

Some of the items listed on Experian’s reports include…

• Business credit scores and credit summary

• Key facts about the business

• Corporate registration and contact information

• Summaries of collections and payments

• Uniform Commercial Code filing information

• Banking, insurance and leasing information

• Bankruptcy filings

• Judgment filings

• Tax lien filings

Credit scores range from 0-100 with a lower score indicating a higher risk for serious delinquency. Experian does provide both consumer and business credit risk models, but there are considerable differences between the two. 

Contact me today to start the process of establishing your Experian business credit score and getting approved for $50,000 in business credit this year with no personal guaranty or credit check.

Dynamax Business Credit

It all matters

You do qualify for up $50,000 or more in business credit with no personal guarantee and without a personal credit check. Our goal is to make this process easy and fast for you to get approved for your new credit. Even though we might make it seem easy, there is a lot involved with insuring you get approved for $50,000 or more in credit with no personal guarantee. When building business credit, everything matters. Your approval is sometimes based on the exact number of employees you claim on your application. In other cases you might be denied if you don’t claim the right amount of vehicle gas usage in a month. Certain types of phone numbers should not be

used, while it is essential to insure your number is listed in places the business credit reporting agencies and creditors will look. If you don’t have the right type of phone number, or if it isn't listed in the right places, you will be denied. The type of corporation you list, the years you company has been in business, and the type of ownership all factor in to getting you APPROVED for higher credit limits. Most importantly, knowing and understanding which of the thousands of creditors to apply for and in which order to apply are essentials in the business credit approval process. I am here to take care of all of this for you. This way you can enjoy the perks of having $50,000 in available business credit without any hassles.

Contact me today to get started and be on your way

to $50,000 in credit approvals with no personal

guarantee and regardless of personal credit history.

Dynamax Business Credit