How and Why Get Credit

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How to Get Low-Interest Business

Loans, Leases, and Credit Lines
…Without the Risks of Personal Guarantees,
and Without Using Or Damaging Your
Personal Credit
By David Gass, America’s foremost authority on

establishing credit worthiness for small businesses
This document is protected by copyright law. Any unauthorized alteration, duplication, or redistribution is strictly prohibited.
©2006-2009 All Rights Reserved Business Credit Services, Inc.
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CHAPTER ONE:
What nobody ever told you about business credit

If you’re like 92% of small business owners, growing your business is damaging your
personal credit score. This happens every time you:
• Apply for business credit with your social security number

• Run up balances on your credit cards or credit lines
• Make cash advances
• Get declined for credit
Using your personal credit to apply for business loans, leases, or credit lines hurts you in
two ways.
1) It damages your personal credit score. That makes it harder (and more
expensive) to get loans, leases, and credit lines.
2) It keeps you from building a positive business credit profile -- which is

the key to growing your business in the long run.
In Chapter Two, we’ll discuss this second consequence: failing to build a business credit
profile. But right now, let’s look at the first consequence.
According to our studies, the typical entrepreneur has 10+ credit inquiries per year. How
about you?
Every time you apply for credit using your social security number, another inquiry shows
up on your personal credit report and lowers your score. But that’s not all.
Every time you’re declined, and every time you accumulate debt, your score drops again,
making it harder and harder to get home loans, car loans, equity lines, and credit cards.
And if you’re approved at all…
You’ll be treated as a subprime borrower – stung by above-

market interest rates.
CASE STUDY: PHOENIX ENTREPRENUER
For five years, a Phoenix entrepreneur had his personal and business checking
accounts at his local bank, along with three business loans/lines of credit.
When he needed a loan for his son’s college tuition, they declined him.
Why? His business loans were in his personal name, so they were reported to his
personal credit report.
Because of his business debt, and too much credit in revolving accounts, the
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balances on his credit lines were considered too high, and his debt-to-income ratio
too poor. So his personal credit score had dropped from 735 (before starting his
company) to 650.
If all this had been reported to his business credit report – NOT his personal credit
report – his score wouldn’t have dropped.
With our help, he took the correct steps to build his business profile and get credit
in his business name.
We instructed his bank to report his new loans and lines of credit to the
business credit bureaus, not the personal credit bureaus. And we succeeded:
three months his personal credit score had rebounded to 756.
Lack of capital:
One of the top two small business killers
The Small Business Administration (SBA) reports that 80% of small businesses fail within
two years. And of the “survivors” (i.e. those still in business after two years), 90% fail
within five years. The top two reasons?
Poor management and lack of capital.
This life-saving book will solve the second problem forever. With an abundance of business
credit at your fingertips, you’ll never again:
• Lose sleep because you can’t pay your bills, or meet payroll
• Pay above-market interest rates because you don’t have perfect credit
• Hit up your friends and relatives for loans
• Take a regular job to subsidize your business
• Make your spouse get a second job
• Lose favor with your vendors because you can’t pay their invoices
promptly
• Suffer from stress-related ailments such as migraines, heartburn, or back
pain.
• Lose out on a lucrative contract, or time-sensitive opportunity, because
you don’t have the cash to take advantage of it
That last bullet point is huge – yet few entrepreneurs give it much thought. So let’s take
a look.
When time-sensitive opportunities come along,

will your hands be tied by lack of capital?
Before discovering our proprietary methods, a Denver entrepreneur was offered a

major contract by CVS. His products could’ve been flying off the shelves in CVS stores
nationwide. But they’re not. Why?
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He didn’t have the cash to increase his production tenfold. So he couldn’t

turn on a dime and get his products on their shelves fast enough.
Now imagine yourself in his shoes. You’ve got the chance to land a major client. Your
revenue potential is awesome.
But they need fifty times more product than your regular clients do… and they need it next
week. Will you have to forfeit that contract because you can’t meet their deadline?
Or suppose you have the chance to buy stock in an IPO… or real estate for 60 cents on the
dollar. Will you lose out because you don’t have the cash to take advantage of it?
With an abundance of business credit, your company can seize time-sensitive

opportunities. But before you can be approved for business loans of $50,000 - $250,000,
you must complete a first, second, and third round of credit building steps.
Applying for a business loan without completing all of the preliminary

steps– in the exact right order – can permanently damage your business
credit profile.
Because there are so many pitfalls, because the risk of making mistakes is so great,
attempting to build your company’s credit without an experienced guide is like crossing a
minefield. That’s why it’s crucial to follow our steps in the right order.
The good news is this. Over the past eight years, 11,217 small business owners have used
our proprietary methods to obtain business loans, leases, and credit lines totaling over
$912,000,000.
However, even with our proven methods, it takes nearly a year of establishing your
company’s credit worthiness before you can qualify for a business loan of $50,000 -
$250,000. So it’s crucial to start building your business credit now.
Business credit:
The best kept secret of winning companies
More money is lent to companies than to real estate investors, homeowners, car
owners, and all other borrowers combined. Yet in a review of ten top-selling business
start-up books, we found no mention of business credit (aka “trade credit” or “corporate
credit”).
That’s right: not one mention of the single largest source of lending in the
entire world!
No wonder startup companies and “little guys” rarely hear about business credit.
They rarely understand how it’s established or tracked, or how it affects their lives or
businesses. For this reason...
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Our credit-building system will give you a huge competitive

advantage, and put you in a league with well-funded companies that
make it past the five year mark with flying colors.
Nobody has let you in on this secret
Because your Corporation or LLC is a separate legal entity from you personally, it can have
its own credit profile – separate from yours. It can qualify for business loans, leases, and
credit lines without harming your personal credit score.
And if you’ve been held back by poor personal credit -- or even bankruptcy -- here’s
fantastic news:
Your company can get business credit on its own merits, without lenders or vendors ever
looking at your personal credit report, asking for your social security number, or asking
for a personal guarantee.
CASE STUDY: BANKRUPT TRUCKER
While driving back and forth across the country, an Alabama trucker was unnerved
by the amount of cash he had to keep in his pocket. However, he couldn’t get any
credit cards because he’d filed for bankruptcy.
After we formed a corporation for him and he worked with our business credit
building system, his poor personal credit was no longer a factor. His company was
approved for $8,000 worth of gas credit cards. He no longer has to worry about
having cash lost or stolen.
With our proprietary methods, you too can build a positive profile with the business credit
bureaus, and establish your company’s credit worthiness. Then you can:
• Reverse the damage to your personal credit profile

• Protect your personal credit from being harmed by large running balances and
inquiries in the future
• Stop being personally liable
• Qualify for lower interest rates in your business and personal life
By the way, if you have a credit card with your company name on it, you might think you
already have business credit. Not necessarily so!
If you applied for that card using your social security number, your payment history likely
has been reported to your personal credit report. It’s done nothing to establish your
company’s credit worthiness.
Receive a $199.95 Business Credit Assessment free of charge.

Call us today at 866-254-6076 with this code: SR2294.
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There are 15 mistakes most business owners make when attempting to establish and
find business credit.
Mistake #1: Using their personal credit to finance their business.

Mistake #2: Using a personal guarantee, which allows creditors to attack your personal
assets.
Mistake #3: Applying for loans without first establishing payment history and a business
credit score.
Mistake #4: Not incorporating their business.
Mistake #5: Not being in Compliance with the credit bureau requirements.
Mistake #6: Getting red flagged by the business credit bureaus.
Mistake #7: Believing they can repair their business credit.
Mistake #8: Thinking there must be federal laws protecting business owners from the
business credit bureaus. (There aren’t.)
Mistake #9: Believing they already have great business credit just because they have
a business credit card.
Mistake #10: Working with vendors who only report negative payment history.
Mistake #11: Assuming they cannot get business credit because they have poor personal
credit.
Mistake #12: Spending years trying to build business credit without help.
Mistake #13: Ruining their personal credit score.
Mistake #14: Not being prepared with proper documentation when seeking financing.
Mistake #15: Not taking action today to establish and build business credit.
Avoid becoming a subprime borrower and paying above-market interest rates
Imagine this. Two entrepreneurs go to the same bank and apply for a $100,000 business
loan. The first has no business credit profile, but his personal credit score is 650. On this
basis, he gets approved -- but with a subprime interest rate of 13%.
The second entrepreneur has completed the first, second, and third round of steps
necessary to establish his company’s credit worthiness. He too has a 650 personal score.
But he has established a positive business credit profile. His company gets approved with
a rate of 7%.
Which of these two entrepreneurs do you want to be?
Over a 10 year period, here’s what you could save by having a positive business
credit profile:
Loan Amount $100,000 $100,000

Interest Rate 13% 7%
Term of Loan 10 years 10 years
Monthly Payment $1,493.11 $1,161.08
Total Payments $179,173.20 $139,329.60
Total Savings: $39,843.60
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CHAPTER TWO
Establish your credit worthiness correctly and never get

turned down for a loan
To qualify for business credit, your company has to “stand on its own two feet”. So before
you start applying for business loans, leases, and credit lines…
Prepare your company with a Business Credit Assessment
The phrase “business credit market” refers to the business credit bureaus and all of the
vendors/lenders that offer business credit.
When your company applies for loans, leases, or lines of credit, the business credit
market does hundreds (or thousands) of secret Compliance checks. In other words, they
scrutinize your company to see if it meets standard lending requirements.
Dun & Bradstreet™ is one of these credit bureaus, and when you apply for credit, they do
over 2,000 Compliance checks.
We call them “secret” Compliance checks because nobody wants to tell you what’s
being checked. Nor are there any laws giving you a right to know. That’s why so many
entrepreneurs get blacklisted.
CASE STUDY: POSITIVE MARKETING SYSTEMS, INC.
Without getting in Compliance, Positive Marketing Systems, Inc. started applying for
business credit – with a list they found in an online forum.
They got approvals from ten companies without a personal credit check or
guarantee. They were thrilled and thought they’d found “The System”.
Eight months after getting those credit lines, the owner went to Office Depot to buy
some office supplies. His Office Depot card was declined. After calling the financing
department, he discovered that Dun & Bradstreet had flagged his company “HIGH
RISK”. Why?
After ordering an investigation, one vendor found that Positive Marketing Systems
wasn’t in Compliance.
After flagging his company “HIGH RISK”, Dun & Bradstreet sent an email
update to everyone who’d purchased a credit report or inquired about Positive
Marketing Systems in the past. Most of the company’s creditors canceled their
credit cards.
This damage couldn’t be reversed. So we exercised the only remaining option. We

worked with this client over 12 months to restructure their entire company. It was
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complex and expensive, but we did it.
Within 12 months, we’d obtained $108,000 in trade credit for his company.
And three months after that, we got them $300,000 in unsecured credit lines from
Tier Three vendors.
This story had a happy ending. But don’t miss the key point. Entrepreneurs without our
proven roadmap are doomed to end up on a “NO CREDIT” or “HIGH RISK” list.
Without our roadmap, you might get some approvals. But sooner or later, one of your
vendors will buy a credit report and order an investigation.
If you fail any of the secret Compliance checks, your company can
be added to the “HIGH RISK” or “NO CREDIT” list, crippling its abili-
ty to borrow forever.
That’s not an exaggeration. If your company gets blacklisted, there’s only one way to
recover. You have to restructure your entire company, and that’s a complex, expensive
process.
We know this from experience. In 2000, we set out to “crack the code” on building
business credit. But because of mistakes we made during our learning curve, we ruined
the borrowing ability of 16 companies.
With each mistake, we had to throw that company away and form a new one from scratch,
with none of the original officers.
In the seven years since, we’ve gone to great lengths uncovering these secret Compliance
checks. Here are some of the basics:
a. Have a real business – not a shell company just to build credit

b. Form a Corporation or L.L.C. to operate your business under
c. Get a Federal Tax ID Number with the I.R.S. – in order to separate your business
activities and credit from your personal (and social security number)
d. Have a business address and phone line that are easier for creditors to find
e. Have all licenses, permits and fees paid to the appropriate government agencies
There are many other Compliance checks. To find out what they are, and how to get your
company in Compliance, call us today at 1-866-254-6076.
By the way, if your company is new but you meet Compliance, you’ll have plenty of
options. Many vendors/lenders issue credit to new companies. But almost none will issue
credit to companies that fail Compliance.
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Differences between personal and business credit
While having too much personal debt hurts your personal credit score, the opposite is true
in business. The size of your company’s debts has no impact on its credit score. But that’s
not all.
Having many loans, leases, and credit lines positively influences vendors/lenders who
review your company’s credit applications. Why?
It shows that other credit granters consider your company a “good risk”.
Another difference is this. All of your personal creditors report to the credit bureaus. But
not all of your company’s vendors/lenders report to the business credit bureaus.
So the process of establishing credit is “hit and miss”
You see, many vendors never report to the business credit bureaus. And others report
only your late payments – not your on-time payments.
So if you don’t have business credit lines with the right

vendors/lenders, years can pass and your on-time payments will
still never be reported to the business credit bureaus.
As you can see, applying for business credit is a much more complicated process than
applying for personal credit. It requires careful preparation. That’s why we’re offering you
a complimentary Business Credit Assessment...

Understand the Four Tiers Of Vendors/Lenders
There are four “Tiers” of vendors/lenders, ranked by how discriminating they are.
The lower the Tier, the lower their approval standards; the higher the Tier, the more
discriminating.
To demonstrate, here are a few vendors/lenders that represent each of the four Tiers:
Tier Credit lines available Example vendor/lender
1 $500 - $5,000 Office Depot

2 $5,000 - $50,000 Dell Computers
3 $50,000 - $250,000 Washington Mutual
4 $250,000+ Investment companies and angel investors
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Once your company meets Compliance (discussed earlier), it’s safe to apply for credit
from Tier One vendors. But not all Tier One vendors are equal. As mentioned before, many
don’t report your on-time payments to the business credit bureaus.
So make it a point to choose vendors/lenders that will:
1) Give your company credit without checking your personal credit report.
2) Report your on-time payments to the Business credit bureaus.
Tier One vendors like this are rare, because almost no one wants to be the first to issue
business credit to unknown borrowers. So qualifying for your first six credit lines (of $500
- $5,000 each) can be the most difficult step in this whole process.
One of the Tier One vendors willing to take this risk is Office Depot. So we recommend
starting with them. Now you might think, “But I don’t buy a lot of office supplies”.
Or, “What I really need is cash, not trade credit”.
Here’s the key point. Obtaining credit lines from Tier One vendors (like Office Depot) isn’t
the end goal. It’s a stepping stone towards your ultimate goal, unlimited financing for your
business.
The business credit bureaus will use your payment history with these Tier One vendors
to generate your business credit profile. So establishing good payment histories with Tier
One vendors will set the stage for bigger credit lines and loans.
Unlike a personal credit score (which is based on a complex formula), your business
credit score is based on one factor only: how your company pays its bills. Paying on time
increases your score; paying late damages your score.
Having a high business credit score multiplies your chance of approval, and the size of the
credit lines you’ll receive.
Before graduating to Tier Two, you’ll need at least six Tier One vendors to report your
company’s on-time payments to the business credit bureaus (not your personal credit
report).
Then -- and only then -- you can safely apply to Tier Two lenders like Dell Computers.
Next: larger credit lines from Tier Two vendors/lenders
Flash forward two months. Six Tier One vendors have reported your on-time payments to
the business credit bureaus. So now you’re eligible for thousands of Tier Two credit lines,
trade credit accounts, and business credit cards -- many without a personal guarantee or
personal credit check. Why?
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Your on-time payments from Tier One have been reported. Your company is now an
established borrower, so the risk to lenders is far less.
In Tier Two, your company will receive credit lines in the $5,000 to $50,000 range. As
before, always choose vendors/lenders that report on-time payments to the business
credit bureaus.
Take a quantum leap forward with cash credit with

Tier Three vendors/lenders
Tier Three is where you’ll find unsecured “cash credit” from banks and other lenders,
typically in the $50,000 - $250,000 range. And none of these banks require business
plans.
Tier Three also includes equipment leasing and many other financing solutions.
WARNING: Only approach a bank after establishing good credit with several Tier
Two vendors.
Typically, Tier Three lenders do require a personal credit check and guarantee. However,
you can still protect your personal credit score by choosing lenders that report exclusively
to the business credit bureaus. Then you’ll be building your business credit, not hurting
your personal credit.
Each source has different criteria to approve a loan. So we recommend working with our
experts. Otherwise, you risk shooting yourself in the foot.
NOTE: A small handful of banks provide credit lines of up to $50,000 -- in the form
of business credit cards -- without personal credit checks or guarantees. Our clients
receive this valuable list.
The SBA recently reported that 97% of applicants for a small business loan are
declined.
Why? Entrepreneurs who go directly to their banks inevitably fail to meet Compliance. And
most have zero payment history with Tier One and Tier Two vendors. (Or the history they
do have is insufficient.)
Achieve financing of $250,000+ from Tier Four lenders
Tier Four lenders are the ultimate level of financing: investment companies and angel
investors. But before they’ll even consider loaning your company $250,000+, they’ll need
to thoroughly understand your business and why you need financing.
They look for companies with strong sales, or at least strong potential in the form of a
business plan.
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At this stage, you’ll need more than a positive business credit profile. You’ll need a
professionally written business plan that clearly states:
• The purpose of the loan

• Exactly how the money will be used
• The amount of money your company needs and for how long
• How your company will repay it and when
Your “Loan Request” must be presented the way lenders like to see it. It should include
the following:
• Business Summary
• Personal Profile
• Loan Proposal
• Business Plan (With financials)
• Loan Repayment Plan
• Support Documentation
Quick Tip - Business Credit Services offers complete professionally written business plans.
Call 866.254.6076 for more details and mention code BCS201 to receive a $500 discount.
This Chapter has outlined steps you can take to establish your company’s credit
worthiness. However, these steps are a small portion of the entire process required to
build, maintain and grow your business credit.
Our company, Business Credit Services, offers a full-service credit building program “THE
BUSINESS CREDIT BUILDERSM PROGRAM”. In the next Chapter, you’ll learn how we can
take your company through all the right steps to establish its credit worthiness, and win
bigger and bigger lines of credit.
We’ve helped 11,217 clients obtain over $912,000,000 worth of credit lines, business
credit, and equipment leases. And after they’re capitalized for growth, many become far
bigger than they ever imagined. For example:
CASE STUDY: SNOWELL CONSULTING, INC.
“About a year ago, I signed up for your credit building service. Right away, I
received a gas card and credit lines worth $4,000 from Office Depot, Office Max, and
Staples.
Then the first major victory… I was able to obtain $7,000 from Dell. (I bought a PC
and Laptop as well as an electronic organizer.)
Last month, it was time to bat in the big league. We applied for several lines of credit
and credit cards… we now have $103,400 in lines of credit.
In one day I was able to secure my financial future. Now there is nothing that I can
not get, nothing that can happen to my business that I can not afford.
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Your benefit statement should really read, “We build wealth for our clients with
business credit as the tool”.
I am not joking. I started Snowell Consulting Inc. with the vision of providing
training solutions to corporate clients. But your team of coaches have been giving
me “millionaire advice”.
Now, my vision for my business is to acquire real estate and invest in cash flow
businesses that will make me a millionaire.”
Jeffrey Snowell, Snowell Consulting, Inc.

Philadelphia, Pennsylvania
By hiring us, you eliminate the risk of overlooking crucial steps -- or making mistakes that
can’t be reversed. So before you put your company at risk, call us for a Business Credit
Assessment:

Once you’ve established your company’s credit worthiness, you will:
• Be offered lower interest rates

• Enjoy doing business on credit instead of cash
• Improve your cash flow by using credit instead of working capital
• Improve your credibility with vendors
• Improve your business image, increasing your loan approvals and even
government contracts
• Use other people’s money to grow your business
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CHAPTER THREE
Survive The Business Credit “Minefield” Without Damaging

Your Company’s Credit Profile
Let’s review the key reasons why there are so many mysteries surrounding business
credit:
#1: There are no Laws Protecting the Business’ Rights from inaccurate
information on the credit report
#2: There is a severe lack of information provided by business and
the government
#3: No one wants to tell you the “secret” Compliance checks
#4: It’s up to YOU to research companies that offer credit
#5: It’s up to YOU to research companies that report trade experiences
#6: It’s up to YOU to research companies that don’t require a personal
guarantee
#7: It’s up to YOU to research companies that don’t require a personal
credit check
Because there are so many pitfalls, because the risk of making mistakes is so great,
attempting to build your company’s credit without an experienced guide is like crossing a
minefield.
To the rescue: Our revolutionary “BUSINESS CREDIT BUILDERSM PROGRAM”. This full
service program puts our team of experts in your corner, establishing your company’s
credit worthiness in record time. What can normally take 4-5 years we can do in just 3-4
months. But before I go into detail, you have a right to ask this question:
What makes us qualified to guide your

company through this complicated process?
In October 2000, I published a revolutionary book called “Building Business Credit for
Business Owners”. Through word of mouth recommendations, 10,000 copies sold during
the first 6 months.
Thousands of entrepreneurs woke up to the fact that building a company’s credit

worthiness is complicated and time-consuming. As a result, we received hundreds of calls
from people asking (and often begging) us to do the work for them.
I spent the next nine months creating a foolproof system to free entrepreneurs from being
limited by their personal credit. Next I trained ten experts in this field, creating the first
full-service business credit building program in the nation. Since then:
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• Our team of experts has put 11,217 small businesses in Compliance and
propelled them into the major leagues. All of them have obtained $100,000+ of
credit based on the merits of their companies, and not the credit of the individual
owners or officers.
• Altogether, our clients have obtained over $912 Million in loans, equipment
leases, and credit lines, as of December 2007.
• Vendors/lenders rarely look at our clients’ personal credit reports, and rarely
require personal guarantees.
I quickly became regarded as the authority on establishing credit for small businesses. As
a result, I’ve been asked to write articles for publications and websites such as:
• Business Week - Small Business

• Wells Fargo Small Business Magazine
• Home Business Magazine
• Forbes Online
• Yahoo Business
• Entrepreneur.com
• AOL.com - Small Business
• BuildYourOwnBusiness.biz
• Score.com – Partners page
• IRS.com – Partners page
Our company has even received the following awards:
• Las Vegas Business Press Rising Star 2006

• Inc. 5000 Fastest Growing Companies in America 2007-2008-2009
Here are six definitive reasons to put our credit building experts in your corner…
Reason #1: We do 90% of the work for you.
We don’t just give our database, books, and tapes and say “Good luck, you’re on your
own.” Why?
The risk of making mistakes is too great. Instead, our team of experts does the work for
you, taking your company through each step of our foolproof system.
You get unlimited access to these business credit experts for a full year, and you’ll be
looked after by our team of experts.
There will also be scheduled calls to discuss the assistance we need from you. For
example, if you don’t have a business license or separate business phone number yet,
we’ll address those items on our first scheduled call.
And after we’ve put your company in Compliance and set up your initial credit lines, we’ll
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use the scheduled calls to give you updates and ask for further assistance. For example,
we may ask you to make more consistent purchases from your Tier One vendors -- to
establish sufficient credit history for Tier Two.
Reason #2: You won’t damage your business credit profile.
You probably don’t try keeping up with the constantly changing U.S. tax codes. You hire a
CPA because he’s an expert. Well, establishing your company’s credit worthiness is equally
complicated.
Just like your CPA is an expert on tax codes, we’re experts on establishing credit
worthiness for your company. That’s why 11,217 small business owners have outsourced
the job to us.
When you hire us to establish your company’s credit worthiness, you can rest assured that
you’ll:
• Never wind up on the “HIGH RISK” or “NO CREDIT” list.

• Never cause permanent damage to your business credit profile.
• Never have to start over and form a new corporation from scratch.
Reason #3: We make sure you’re fully qualified BEFORE submitting your credit
applications.
To help you understand this benefit, let’s look at two situations with similar risks: an IRS
audit and a home loan application.
If the IRS audited you, your CPA could protect you by meeting the auditor on your behalf.
This would eliminate the chance of you shooting yourself in the foot.
Likewise, if you needed a home loan, but your tax returns didn’t show enough income
to support the loan payments, a good mortgage broker could present you in the best
possible light. And if the bank wanted a written explanation, your mortgage broker could
help you choose the right words.
Hiring us is the same: we act as your representative and protector. Before we ever submit
a credit application, we put your company in the best possible light. We make absolutely
sure that:
1) You’re in Compliance with the lending market.

2) There are no holes in your application.
3) You apply for credit lines in the right order.
And if a vendor/lender ever has questions during the review process, we can provide the
right answers to ensure your approval.
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Reason #4: It’ll be done right the first time.
As I mentioned earlier, Office Depot is one of those rare vendors willing to issue credit to
unestablished companies (i.e. those with no business credit history).
Because they’re one of the least discriminating vendors, they approve more companies
than the vast majority of lenders/vendors. Yet they recently gave us this statistic:
Only 32% of companies referred by the Las Vegas Chamber of

Commerce are approved for an Office Depot credit line. By contrast,
the approval rate for our clients is 96%.
Why the dramatic difference?
Most companies fail the secret Compliance checks. We build your credit worthiness
correctly, first by putting your company in Compliance, and then by establishing your
credit in the right order.
Reason #5: You get access to our proprietary database of 3,000+ vendors/
lenders that issue business loans, leases, and credit lines.
It’s taken us seven years to compile this proprietary database. Since none of these
vendors/lenders report to the personal credit bureaus, you can pile up unlimited business
debt without damaging your personal credit score. This is crucial.
You’ll access this closely-guarded database by logging into the member portion of our
website. From this proprietary list, you’ll know:
• Which vendors/lenders report your on-time payments?

• Which business credit bureaus do they report to?
You’ll also know which ones issue credit without a personal guarantee, personal credit
check, or business credit check. Remember:
Almost no one wants to be the first to issue business credit. So Tier

One companies willing to gamble on an unknown borrower are rare.
Finding them on your own would be extremely difficult.
Reason #6: You’ll have access to credit lines not available to the general public.
This is due to the sheer volume of credit applications we submit for our clients. With
11,217 clients, we’re the largest company of our kind.
So doing business with our client base is very profitable for lenders/vendors. As a result,
many give us (and our clients) the red carpet treatment.
18
For example, after you’ve met all of the lending requirements of Tier Three vendors,
imagine asking your bank clerk for a business credit line. She asks you five questions, and
then her computer tells her what you’re approved for.
When we approach the very same bank with your loan application, you won’t be at the
mercy of a computer. We’ll know about all of 10, 15, or even 20 credit lines that bank
offers.
And unlike competitors who charge 5-10% of every credit line they set up, our flat fee is
a one-time expense.
The boldest risk-free guarantee in our industry:

Your results are guaranteed – or our service is free
Regardless of personal credit score, we guarantee that

you’ll have multiple trade accounts, by the end of
12 months.
Otherwise, we’ll continue our work for another six months –
free of charge. And if we still fall short of our guarantee,
we’ll refund your fee in full.
No matter what the outcome, all of the credit lines we’ve
set up for you are yours to keep.
None of our competitors has dared to match this guarantee. There’s only one that makes
a half-baked attempt to come close: they guarantee a certain amount of credit “If you
qualify personally”.
But that makes us laugh, because the whole point is to get you credit based on your
company’s merits, and not yours personally!
Second-rate credit building programs:

Too many disappointments
None of our competitors has been around for more than two years. Unlike these
companies – that constantly come and go – we’ve been establishing credit for small
businesses since 2001.
Since many of our clients come to us after being let down (or even cheated) by second-
rate business credit programs, let me share their most common complaints:
• Most competitors promise more than they can deliver. For example, one
competitor promises you cash credit within 30 days, but they fail to deliver for 85% of
their clients.
• Many charge 5-10% of the credit they obtain for your company – every time
they land another credit line, forever. We charge a one-time flat fee, and you
have our entire expert staff at your disposal for 12 months.
19
• At best, they offer a limited number of coaching calls. But none matches our
unlimited phone support for an entire year.
• The others send you “do it yourself” books and tapes. But that leaves you
vulnerable to mistakes. We actually represent you; we do 90% of the work to
establish your credit worthiness.
• Some credit building programs lure you in with a low initial fee. But after paying
that fee, you’re hit with an “upsell”. You find out that it costs substantially more
to benefit from their full service program.
There are also fly-by-night “small business lenders” that charge you $500 - $20,000
upfront fees to get you a business loan. They call this an “internal fee” or “research fee”,
but these upfront fees are against the law.
Other companies will “sell” you a trade reference for up to $1,000,000 and report it to
the credit bureaus. You typically pay 5% - 20% of the amount of the trade reference.
However, this is cheating, and this practice is illegal.
CASE STUDY: HOUSTON ENTREPRENEUR
Six years ago, Houston entrepreneur James Cao filed bankruptcy, ruining his
personal credit.
In May 2003, he hired a company with a promise similar to ours. They were
supposed to build his business credit profile within 6 months -- without using his
personal credit.
Unfortunately, months turned into years, and he still had no Experian or Paydex
business credit score to show for it. During that time, he hired two other
companies in our industry, but they were equally disappointing.
Finally, he hired us on March 28, 2007.
By May 17, 2007 -- just seven weeks later -- we qualified his company for business
credit in Texas with a Paydex Score of 80. Shortly after, he sent us this email:
“I want to thank the staff at Business Credit Services. Your staff has got the job
done fast and met all the compliance requirements. They are always reachable,
and returned all my phone calls.

Not anything like the previous companies. Either they didn’t respond, or ditched
out after collecting their fee in full. Now I can sit back and let Business Credit
Services guide me in getting the capital I need for my next ventures.
I have a message for your future clients: If Business Credit Services can
get a bankrupt entrepreneur like me to where I am now, then I am sure it
can get you in much better situation than where you are now”.
James Cao, AAA & C Enterprises
20
These seven Super Bonus offers will be available in our clients website when you
enroll in our Capital Access Program within the next 48 hours.
Act today and get them all.
Super Bonus #1: Thirteen audio CDs

“Insider Secrets To Business Success”
Not for sale at any price; offer expires in 7 days
Last year, a private membership site contracted me to interview industry experts in a

series of 13 telephone sessions. The topic: growing your company to speed wealth.
Only members were privy to these “closed door” sessions. And since then, the website has
reached capacity and is no longer accepting new members.
However, all 13 calls were captured on tape, and after heavy negotiating, we secured the
right to burn CDs. We’ve arranged for you to own a complimentary set of these 13 “To
Speed Wealth” CDs. Here’s a sample of what’s covered:
• The secret principles of money

• Little known benefits of incorporating
• How to write a foolproof business plan -- and execute it successfully
• The unexpected relationship between merchant accounts and business credit
• Stealth strategies for financing your business ventures with dirt cheap money
• Making millionaire decisions
• Profiting from a remarkable corporate image
Super Bonus #2: BizDoc Software: protects your corporate veil;

makes your company immune to lawsuits and audits
Normally $599; offer expires in 10 days
There are fantastic advantages to having a corporation or LLC. However, there’s also a big
downside. Keeping your corporate formalities up to date is tedious and time-consuming.
For example:
• Documenting your annual meetings

• Documenting company activities with Corporate Resolutions
• Issuing Corporate Shares (Stock) to Shareholders
• Maintaining a Separate Bank Account
• Keeping All Records and Licenses Up-To-Date
If you neglect even a single item, your “Corporate Veil” can be pierced, making you
vulnerable to lawsuits and audits.
For example, when tax agencies audit you, they’ll scrutinize your expenses by combing
through your corporate documentation. (Resolutions, meeting minutes and stock ledger).
21
If any of the required documentation is missing, they can DISALLOW your deductions.
The BizDoc Software ensures that nothing falls through the cracks. It’s a powerful
program that walks you through all areas and elements of maintaining the proper
Corporate Formalities.
Super Bonus #3: Video footage of our closed door seminars
Not available to the public at any price; expires in 14 days
These eye-opening DVDs reveal:
• Which business entity is right for you

• Accelerating your business credit approvals
• Creating a bulletproof corporation
• Protecting your corporate veil
• Getting in compliance by meeting the requirements of the lending market
You’ll discover the same secrets attendees paid up to $2,000 to learn -- at our closed door
series of seminars on Corporate Structuring, Business Credit, and Compliance.
Now you too can be privy to our record-breaking methods for obtaining all the capital and
credit you’ll ever need when you enroll in our BUSINESS CREDIT BUILDERSM Program
within the next 48 hours.
Super Bonus #4: Life saving weekend conference

“Insider Secrets To Business Success”
Normally costs $1,497 per seat; offer expires in 21 days
This acclaimed conference is held twice a year in Las Vegas, NV, and almost always sells
out. Now you too can be personally mentored by David Gass and his team of experts.
Our speakers will discuss the 10 Steps to Business Success and show you foolproof
systems for:
• Building your company’s credit worthiness

• Winning over investors and lenders no matter what your personal credit score
• Growing your business to speed wealth
• Financing your business ventures with dirt cheap money
• Working “ON” your business rather than “IN” it (i.e. Creating opportunities for
growth instead of personally providing the service your company sells)
• Protecting your assets and slashing your tax liabilities with a corporations or LLC
• Dominating your market with stealth marketing strategies
• Multiplying your sales by 100%, 200% and even 300% in one year
22
Best of all, active investors and credit grantors will spill the beans on their evaluation
processes, showing you how they choose companies to invest in. And you’ll get to display
your business and seek capital from investors.
Super Bonus #5: Instant $5,000 Credit Line From A Vendor That Reports To
The Business Credit Bureaus
Offer expires in 30 days
Get an immediate $5,000 credit line with one of our premier Tier One vendors. No credit
check required. We use this vendor ourselves, and recommend them for web design, web
marketing, graphic design, and printing.
Best of all, they’ll report your on-time payments to the business credit bureaus, which is
crucial in establishing your company’s credit worthiness.
However, there’s a limit to the number of credit lines this vendor can issue each month.
Super Bonus #6: Business Success CDs
Not available to the public at any price; offer expires in 36 days
On these eye-opening CDs, my staff and I take the mystery out of:
• Building business credit
• Obtaining a business loan
• Where to find business credit
• Pro’s and cons of corporations and LLC - and which one is best for you
• Building a bullet-proof corporate veil
• Building a successful, long-term business
• Having access to all the capital and credit you’ll ever need
Super Bonus #7: Business Credit Assessment
Normally costs $199.95; expires in 45 days
During this 15-minute phone call, one of our business credit experts will analyze your
business and give you answers to these questions:
• Which types of capital are available to your company? A few of the less obvious
examples are leasing, merchant accounts, cash advances, and factoring.
• What are the pro’s and con’s of each money source? Is your company’s structure
limiting your choices? If so, how?
• If your company isn’t in Compliance yet, what’s the fastest way to fix that?
• If you haven’t separated your personal credit activity from your company’s, what
still needs to be done?
Unlike the information contained in this book -- which is generic -- your Business Credit
Assessment will be custom tailored for your company.
23
In short, you’ll find out where your company stands today, and how you can get on the
fast track to establishing your company’s credit worthiness. Our recommendations will
dramatically improve your chances of gaining credit approvals.

Offer expires 7 days after your receipt of this ebook, so please call us today
at 866-254-6076 with this code: SR2294.
Here’s the bottom line. If you obtain credit lines from vendors/lenders that don’t
report your on-time payments to the business credit bureaus, you could spin your wheels
indefinitely.
You could assume that you’re building good credit. But years from now, you’ll find that
your company is right where it started -- with zero credit. Why take that risk?
Why create unnecessary liabilities by signing personal guarantees? Why allow creditors to
attach your personal assets?
Why have your company blacklisted because you applied for credit lines in the wrong
order?
Money isn’t the only thing you can leverage. By hiring us, you leverage our time,
experience, and resources for your company’s benefit. We’ll position your company for
growth: for larger loans, leases, and credit lines to support its expansion.
It’s a huge undertaking to research all of the secret Compliance checks, find out which
vendors/lenders you should approach first, second, and third, etc.
You can try to cross the “minefield” alone, and establish your company’s credit without a
team of experts to protect you. But one mistake can cost you years of effort.
Or worse, your company could be wind up having to form a new corporation from
scratch, with none of the original officers.
If you do nothing, your personal credit score will continue dropping every time you:
• Apply for business credit using your social security number

• Run up the balances on your credit cards or credit lines
• Make cash advances
• Get declined for credit
Remember this statistic?...
The SBA reported that 97% of applicants for a small business loan
are declined.
24
Even with our experts working on your behalf, it can take a year to complete the first,
second, and third round of credit building steps and obtain over a $100,000 in business
trade credit and access the alternative financing sources in Tier 3.
If you delay, imagine all of the ways you could be handicapped a year from now.
What if you have the chance to land a major contract, buy stock in an IPO, or buy
distressed real estate?
Do you want to lose out because you don’t have the cash to take
advantage of it?
With an abundance of business credit, your company can seize unexpected opportunities.
So it’s time to make a decision. Do you want to remain a “little guy”? Or compete in the
big leagues?
Our foolproof system takes the guesswork out of the credit building process. You have
nothing to lose by calling today for a Free Business Credit Assessment, so what are you
waiting for?

Offer expires 7 days after your receipt of this ebook, so please call us today at
866-254-6076 with this code: SR2294.

How and Why Get Credit

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How and Why Get Credit

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1

How to Get Low-Interest Business

By David Gass, America’s foremost authority on

What nobody ever told you about business credit

• Apply for business credit with your social security number

2) It keeps you from building a positive business credit profile -- which is

You’ll be treated as a subprime borrower – stung by above-

CASE STUDY: PHOENIX ENTREPRENUER

Poor management and lack of capital.

When time-sensitive opportunities come along,

Before discovering our proprietary methods, a Denver entrepreneur was offered a

He didn’t have the cash to increase his production tenfold. So he couldn’t

With an abundance of business credit, your company can seize time-sensitive

Applying for a business loan without completing all of the preliminary

Our credit-building system will give you a huge competitive

Nobody has let you in on this secret

CASE STUDY: BANKRUPT TRUCKER

• Reverse the damage to your personal credit profile

Receive a $199.95 Business Credit Assessment free of charge.

Mistake #1: Using their personal credit to finance their business.

Avoid becoming a subprime borrower and paying above-market interest rates

Which of these two entrepreneurs do you want to be?

Loan Amount $100,000 $100,000

Total Savings: $39,843.60

Establish your credit worthiness correctly and never get

Prepare your company with a Business Credit Assessment

CASE STUDY: POSITIVE MARKETING SYSTEMS, INC.

This damage couldn’t be reversed. So we exercised the only remaining option. We

complex and expensive, but we did it.

a. Have a real business – not a shell company just to build credit

Differences between personal and business credit

So the process of establishing credit is “hit and miss”

So if you don’t have business credit lines with the right

Receive a $199.95 Business Credit Assessment free of charge.

Understand the Four Tiers Of Vendors/Lenders

Tier Credit lines available Example vendor/lender

1 $500 - $5,000 Office Depot

So make it a point to choose vendors/lenders that will:

2) Report your on-time payments to the Business credit bureaus.

Or, “What I really need is cash, not trade credit”.

Next: larger credit lines from Tier Two vendors/lenders

Take a quantum leap forward with cash credit with

Achieve financing of $250,000+ from Tier Four lenders

• The purpose of the loan

CASE STUDY: SNOWELL CONSULTING, INC.

Jeffrey Snowell, Snowell Consulting, Inc.

Receive a $199.95 Business Credit Assessment free of charge.

Once you’ve established your company’s credit worthiness, you will:

• Be offered lower interest rates

Survive The Business Credit “Minefield” Without Damaging

What makes us qualified to guide your

Thousands of entrepreneurs woke up to the fact that building a company’s credit

• Business Week - Small Business

Our company has even received the following awards:

• Las Vegas Business Press Rising Star 2006

Reason #1: We do 90% of the work for you.

Reason #2: You won’t damage your business credit profile.

• Never wind up on the “HIGH RISK” or “NO CREDIT” list.

1) You’re in Compliance with the lending market.

Reason #4: It’ll be done right the first time.

Only 32% of companies referred by the Las Vegas Chamber of

Why the dramatic difference?

• Which vendors/lenders report your on-time payments?

Almost no one wants to be the first to issue business credit. So Tier