New company, empty file.
Get a free D-U-N-S number. Open net-30 accounts that report. Pay before it's due.
On time is about 80 on PAYDEX. Paying early can score above 80.
#BusinessCredit
AI art.
Education only. Not financial, legal or tax advice.

Meet me in the middle: become a prime borrower

"You got to meet me in the middle. You got to be something that's called a prime borrower." - Baruj Mackliff, the Capital Commander #PrimeBorrower #BusinessCredit #CapitalCommander

Five corporations mean nothing if inquiries wreck you

"What are you going to do with all that if you don't understand inquiries? You need to have less than three inquiries." - Baruj Mackliff, the Capital Commander #Inquiries #BusinessCredit #CapitalCommander

Your PAYDEX score grows three ways, not on feelings

"That PAYDEX score is going to grow in three different ways. Number one, by us asking for business credit." #PAYDEX #BusinessCredit #ThePorters

Credit card stacking starts with the bank manager

"Once we got step one and step two, we approach the bank and we tell them, hey, this is our business, this is our credit." #CreditCardStacking #BusinessCredit #ThePorters

Step four: Paynet tracks every store card you hold

"Paynet is all your store cards. You want to get a business Home Depot, Paynet. You want to get a Costco business, Paynet." #Paynet #BusinessCredit #ThePorters

Banks earn nine times what they lend you

"Every time the bank gives money, they get nine times the amount of whatever they give. It's in the bank's best interest to give money." #Banking #BusinessCredit #ThePorters

A dead corp stays a corpse until it gets life

"It was a dead corp. It was a corpse. C-O-R-P-S-E. But the moment you give it life..." #Corporation #BusinessCredit #ThePorters

Why credit unions hand out money like water

"They give money like water." #CreditUnions #BusinessCredit #ThePorters

Stuck with a $300 limit?
Baruj Mackliff says you honor the level you're on. Nobody hands out $50,000 without credibility.
The Deal Room, Ep. 8, Part 2 of 3
#TheDealRoom #BusinessCredit
Education only. Not financial, legal or tax advice.

Do you know your business credit score? 💳 Business credit can affect loan rates, funding access, vendor terms, and growth opportunities. Build it before you need to borrow—waiting until you need funding may be too late. Is your business building credit or relying on personal credit? #BusinessCredit

Jack has a FICO over 700. Susie wants $100,000 on her own.
Baruj Mackliff uses the two of them to explain prime borrowers and authorized users.
The Deal Room, Ep. 8, Part 1 of 3
#TheDealRoom #BusinessCredit
Education only. Not financial, legal or tax advice.

📣 New Podcast! "Reconsideration Calls That Actually Work - A Script and A Strategy" on @Spreaker #businesscredit #lenderreadiness #loanapproval #loandenail #loanreconsideration #sandyday #smallbusinesscreditminute #smallbusinessfunding

Amex Business Gold Drops FedEx From $240 Credit and UPS Replaces It: American Express has removed FedEx from the Business Gold Card’s $240 Flexible Business Credit and replaced it with eligible shipments purchased through UPS.com. The $20 monthly credit… #AmexBusinessGold #FedEx #UPS #BusinessCredit

ICYMI: Chase Sapphire Reserve for Business Edit Credit Increase Coming in 2027: Chase will increase the Edit Credit benefit on the Sapphire Reserve for Business card starting in 2027, giving cardholders more purchase flexibility.

The… #ChaseSapphireReserve #BusinessCredit #EditCredit #CreditCards

Chase Sapphire Reserve for Business Edit Credit Increase Coming in 2027: Chase will increase the Edit Credit benefit on the Sapphire Reserve for Business card starting in 2027, giving cardholders more purchase… #ChaseSapphireReserve #BusinessCredit #CreditCardBenefits #FinancialFlexibility

📣 New Podcast! "Business Compliance and Funding: What Lenders Need to See" on @Spreaker #accesstocapital #businesscompliance #businesscredit #businessfunding #entrepreneurship #lenderready #sandyday #smallbusiness #smallbusinessloans #smallbusinesspodcast

📣 New Podcast! "The Compliance Cleanup - Every Business Needs Before Seeking Funding" on @Spreaker #businesscompliance #businesscredit #cashflow #entrepreneurship #fsbo #fsboacademy #lenderready #sandyday #seday #smallbusinessfunding