Most new business owners make the same banking mistake.
They open one business checking account, dump every dollar into it, and then try to run the whole company from one messy pile of money.
That works for about five minutes.
Then tax season shows up. Payroll gets tight. Marketing gets ignored. ...
Albert got approved for $47,500 with Divvy across two business accounts.
No hard credit pull.
No personal guarantee.
No personal credit reporting from normal use.
That is why corporate cards like Divvy get so much attention from business owners.
Because when a business card does not require a p...
Over the past 60 days, I found 6 banks handing out business credit card starting limits over $10,000.
And yes, some of these approvals came from newer businesses.
That matters.
Because a lot of small business owners assume they need years of tax returns, 12 months of bank statements, perfect busi...
You can potentially get serious business credit from PNC Bank.
And in some data points, business owners have reported getting approved without uploading proof of income.
That is what makes PNC interesting.
We are talking about business credit cards, business lines of credit, and strategies where ...
A small business owner reportedly walked away with a $20,000 First Citizens Bank business credit card approval with no proof of income required.
That is the kind of data point business owners pay attention to.
Because let’s be honest.
A lot of businesses do not have perfect revenue.
Some month...
You do not always need an LLC to get a business credit card.
That surprises a lot of people.
They think they need to form a company, get an EIN, hire a lawyer, open business accounts, build a full website, and bring in revenue before a bank will even look at them.
Not always.
If you have a side ...
I just spoke to a business owner who got approved for a $50,000 Chase Ink Business Unlimited with a brand-new business, no collected revenue, and no financial documents.
That is not normal.
Most people hear “new LLC” and assume the bank is going to ask for bank statements, tax returns, profit and ...
Getting business credit for a new LLC sounds impossible when every lender acts like they need your entire life story.
Some banks want 12 months of bank statements.
Some want two years of tax returns.
Some want profit and loss statements, business financials, revenue verification, and enough paper...
If you want business credit without putting your personal credit on the line, EIN-only no PG business cards are some of the most powerful tools you can find.
The problem?
Most business credit cards still want your Social Security number, a personal guarantee, and a hard pull on your personal credi...
Business credit cards can be powerful, but nobody wants to destroy their personal credit score just to find out if they qualify.
That is why no-hard-pull business credit cards are so interesting.
With the right card, you may be able to apply with only a soft pull, no personal credit impact, or und...
No PG business credit cards are some of the most powerful cards a business owner can get.
Why?
Because they can help you access business credit without putting your personal credit on the line the same way a traditional business credit card does.
With the right no personal guarantee business card...
Getting denied for business credit is frustrating.
Especially when you feel like you did everything right.
You built the business. You opened the bank account. You got the EIN. You found a business credit card that looked like a good fit. Then you applied, waited for the approval, and got hit with...