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BusinessDisclaimer:
Corporate Credit Building 101 The How To Build Corporate Credit Fast Guide Book is for informational purposes only. Vanguard Global, LLC. Pascal Mansell, their partners and employees nor Vanguard Global LLC
make no representations or warranties about the accuracy or suitability of this information. The information provided in this E-book (Electronic Generated Internet Book) is for information purposes only, and does not in any way constitute legal advice nor should it be considered as such. You understand that you take full and complete responsibility for the use or misuse of this information and lies completely and solely on you.

http://www.3dcredit.org
http://www.internetincomeengine.com
http://www.totallyfreecreditrepair.com

CORPORATE CREDIT BUILDING 101
THE HOW TO BUILD CORPORATE CREDIT FAST GUIDEBOOK
This information is our free gift to you! We hope that it and our other free informational books on business & personal development will help you accomplish whatever goals you may have for you and your loved ones and business!

Thank you for your time!
BY: PASCAL MANSELL. ® TM
FOR VANGUARD GLOBAL, LLC. ® TM

VANGUARD GLOBAL, LLC. ® TM
The Business Roundtable
Incorporation, Business & Corporate Services * Credit Building Solutions for Corporations, Business and Personal * Coaching Systems * Business Management * Advertising and Marketing Systems* & More!

List of partner websites:
http://www.vanguardgloballlc.com *
http://www.websitesdesignandmore.com *

Important resources for Business Building And Getting Business And Corporate Credit
Although some of the sites that we recommend below are affiliate sites, we want you to know that we would not offer them to you unless we strongly felt that these companies and what they are offering were not tops in their fields of service. You are our primary concern not the money! I/we believe that if we continue to provide you, our readers and clients, with the best service possible the financial rewards will come.

Use Websites Design and More to Build Your Website!
http://websitesdesignandmore.com

Using Vonage as your business phone service is the smart and cost effective way to run any business large or small.
http://www.vonage.com

Go Daddy is not only the largest seller of domain name in the business. They also offer in my opinion, the best customer service that I have experienced period!
http://www.godaddy.com

Marketing: We have found what we believe to be one of most complete course on internet marketing systems available for those of you that really want to make serious cash flow with your business! http://www.kimroachreview.com

Incorporation Service(s) http://www.vanguardgloballlc.com

Vanguard Global LLC will create your incorporation or LLC in any state you choose.

INTRODUCTION

Chapter 1 – Understanding Corporate & Business Structures
* What Is A Corporation, C-Corp, S-Corp, and LLC?
* What Is A Sole Proprietor?

Chapter 2- What Do You Need In Order To Build Corporate Credit
*Creating A Legal Business Entity
*Getting Your Tax ID / EIN
*Creating Your Dunn’s Number
*Corporate Credit Or Business Credit What’s The Difference?

Chapter 3- How To Look Like A Big Business & Get More Credit
*Building Your Corporate Frame Work
*Show & Tell What You Need To Nothing More
*Why You Need A Business Phone Line
* Why You Should Get A Business Address

Chapter 4- Corporate Credit Building Resource Guide & Corporate Credit Lenders List
*Corporate Credit Building Resources
*Corporate Credit Lenders List

Welcome!

Thank you for downloading our free e-book, Corporate Credit Building 101 The How to Build Corporate Credit Fast Guidebook. My name is Pascal Mansell, co-founder of Vanguard Global, LLC. Our goal is to break down every aspect of building Corporate Credit. The information contained in this e-book is taken from firsthand knowledge gained from our own corporate and business credit building, and that of our clients and business associates. Please be aware that some of the issues covered within this book may include speculative topics, statements, information, and procedures that will be passed on to you in an effort to provide you with as much information related to the subject matter listed above. The goal of Vanguard Global LLC’s, free e-book series is to give you the readers, the best information possible. Some of the sites that we may refer you to are affiliate sites and may pay us a commission if you chose to use their service.

Featured Content:
• Corporation Building
• Corporate Credit Building
• Business Credit Over View
• Corporate Credit Lenders
• Business & Corporate Resources

Chapter 1
Understanding Business and Corporate Structures

What is a Corporation, C-Corp, S-Corp, or LLC?
A corporation is a legal entity that is granted a charter recognizing it as a separate legal entity having its own privileges, and liabilities distinct from its members. Although a corporation is not a natural person, corporations are look upon and recognized by the law to have the rights and responsibilities of an actual person.

What is a Limited Liability Company or LLC?
An LLC is a flexible form of business enterprise that blends elements of partnership(s) and corporate structures together. An LLC, is not a corporation in the since that people believe it to be, it is more of a legal partnership with certain characteristics of a corporation and a partnership or even a sole proprietorship in some instances. An LLC is a legal business entity and does serve to limit most of your personal liability.

What is a Sole Proprietorship?
A sole proprietorship or sole proprietor is a type of business entity that is typically owned and run by one individual, and where there is no legal distinction (separation) between the owner and the business. All profits, losses, debts, assets, and taxes accrued are the responsibility of the proprietor. Simply put the owner(s) has unlimited liability. There are only a few real advantages of a sole proprietorship. The ease to start one and that they have fewer regulation relative to other type of businesses is one reason you may consider a proprietorship. Another is that you have very little oversight.

Disadvantages to a sole proprietorship are you may have a much harder time getting funding, and you as the owner are completely open for unlimited personal liability. If the business is successful your risk of personal tax problems, debts, and lawsuits seem to grow as well.

Our experience has lead us to believe that with all of the corporate and business structures available to you a c-corporation seems to be that best to work with. People seem to respond better to c-corporation more so that any type of business entity whether it just some one you are handing your business card to on the street or if it’s some lending institution that you’re trying to get credit cards or loans from.

Ultimately you must decide what the best type of business structure is for you. Once you have made your decision on what type of business structure you want the rest is simply a step by step process. After deciding on the type of business structure you want you will need to make it official. Although states may differ in some respects, the general procedures are the same.

Sole Proprietors simply need to go to their local city and or county and inform them of your new business venture, fill out the appropriate paper work for registering your business and its address and paying the appropriate fees and your are in business. The next step is to contact the IRS and get your tax ID number and you’re off and running.

Corporations and LLC’s will need to contact your Secretary of State to find out the format that they wish you to use when filling your articles of incorporation or articles of organization for LLC’s. Once you have acquired the forms, you will simply fill them out in accordance with your States regulations and mail them or walk them in to your State Secretary of States office along with the appropriate filling fee(s).

The turn around time for most states is between 7 to 14 days, but some states are taking as long as 30 to 60 days to complete your request do to the budget crisis that has swept across the country. Once you have received your articles back from your Secretary of State you will then get your tax ID number also known as EIN (Employer Identification Number).

Tax ID/ EINs are obtained through the IRS. You will have several avenues available to you to get your EIN. You can call the IRS, submit a paper application, or go online.

Dunn & Bradstreet’s Dunn’s Number is the next thing you will want to get. You can get your Dunn’s number by simply going to their website and applying online or calling their customer service department and ordering it. The one problem that you will have is although the number is free if you don’t buy one of there corporate credit builder packages for $500.00 to $2,000.00 it may take you weeks or months to get your number- if at all.
So you will need to stay on top of things with them if you don’t want to pay out any money.

Chapter 2
What Do You Need In Order To Build Corporate Credit?

Creating a Legal Business Entity
As discussed in the first chapter this is the first thing you must do before anything else. This step is very simple but very important, because if you do not fill your paperwork out correctly it can really set you back. We also recommend that when choosing a name for your corporation that you make it as vague or none descript as you can. The reason for this is so that you don’t get stuck in a category that may not be viable in the future. As an example of this is all of those people that started corporations during the last real-estate boom that named their corporation XYZ Real-Estate Inc. those companies are no longer able to get funding because there industry has fallen apart with no sign of recovery. But let’s say your corporation is called Vesper Inc., it could function as any type of business you chose and have the ability to change its service or product line without ever having to change its name.

Getting Your Tax ID/EIN
Once again this was briefly touched on in an earlier chapter, but it is very important that you understand as much as you can about this important part of your corporate structure. Your corporation’s financial wellbeing will be determined by many different factors, one of which will be the age of your business. The business credit bureaus such as D&B, Equifax, Experian, use certain reference points in determining how long a business has been in existence. Like the date of incorporation, sole proprietorship, or taxes filed or the date your profile was created in their system. They will use the oldest dates indicating that your business has been in business as long as the information can be verified. One of the best ways to give your new corporation some time in business is through your IRS (SS-4 Form) application for your EIN. There is a section that asks what date did the business start? You can always put in any date up two 3 years past.

Creating Your Dunn’s Number
This was talked about in an earlier chapter, so we will take this time to go over the importance of getting your Dunn’s number and setting it up the right way from the beginning. This step is probably one of the most important factors in getting any financial assistance for your corporation and in some cases even being able to simply do business. Your Dunn’s profile must give you at least the appearance of being a real business with employees and income in order to start getting any type of credit or loans for your business. As a rule of thumb if you look like a “mom and pop” business you will never get any type of corporate credit unless you or someone involved in your corporation acts as a guarantor for the credit being asked for.

One of the most important things that you need to understand about setting up your corporation and your Dunn’s number is, no one knows anything about your corporation but what you tell them. You have the opportunity to write your own corporate history. At this point we must give you words of caution- although you can write your own corporate history you may not want go overboard. You don’t want to make the mistake of saying that your business does a million dollars a year and you are working out of a 5000 sf (square foot) office, when in reality your business address shows up on Google Earth as a home in a residential neighborhood.

Chapter 3
How To Look Like A Big Business & Get More Credit

Building your corporate credit frame work
Simply put means that you business need to start to take on the characteristics of a real live functioning business. In these days and times of the Internet the credit bureaus can find out almost anything they want about you and your business they want without ever leaving their desks to do so with a few clicks of a mouse. That is why it is super important that your business conducts itself like a business and has all of the basic business tools expected of it if you are trying to get any type of corporate credit.

Here are the basics that you really should have in order to start going after corporate credit trade lines, and eventually corporate credit cash lines in the fastest time possible.

You need to have your company website or blog and your email address reflect your company’s name and web address; as in john@xyzincorporated.com . Believe it or not credit bureaus and the credit grantor will check to see if your business has at least these simple thing in place so to help verify whether your company is real or not.

You will also want to get letterhead and some business cards for your business so that when and if the time comes you can forward them to a potential credit grantor, or hand your business card to a banker when asking to opening up your business/corporate bank account(s). At one point in time these thing were not as important as they are now but, due to the financial crunch this country is going through these thing have become mandatory if your goal is to go after any real corporate credit. Everything you do the right way will put you closer to getting to the big bucks that much quicker!

Show & Tell What You Need To Nothing More
This is all one big game and the winners are always the people that are able to tell the best story period. When you are giving out information about your business you should always frame it in the best possible way so that it always gives the appearance that your business is bigger and better than what it may be at this point in time. You should never give out more information that you have to because the more information they have on your business the greater chance there is for them to find out the one thing that may go into your corporate profile that will keep you from getting the credit you want. I personally made this mistake on a few occasions and found myself either having to work extra hard to correct my mistake or simply losing the opportunity to get the credit that I wanted from that particular bank.

Why You Need A Business Phone Line
A business phone line with a 411 listing is super important, so much so I am going to tell you that it is a must have if you ever want to build corporate credit in any significant amounts or at all. Think about it like this if someone told you that they had a business venture that they wanted you to invest in and then they said hey I promises you that we are a legitimate business and if you simply invested $1000.00 we will not only pay back but we will gladly pay you interest on your money, but before you said yes you tried to look them up in 411 to get their phone number and address and could not find any information on this business anywhere would you lend them any money? Of course not, and that is just how any lender out there will fill about lending to your business. HAVING A BUSINESS PHONE LINE IS A MUST!

Why You Should Get A Business Address
Having a business address is what will help you legitimize your business and show those all important credit grantors that you are not simply playing business but are actually in business. Although times have changed and more people that ever in history are running successful business from home the lender still prefer to lend their money to someone that has some form of office or store front. They seem to believe that if you are obligated to an actual business address that your not as likely to just pick up and run of with there money.

One of the things I don’t want you to do is to go out and get a virtual office space. Virtual office space is not ideal when it comes to building corporate credit simply because the credit bureaus and the credit grantor have those spaces listed as virtual space and believe that your business could disappear overnight because you are not in a business address of your own. The one way we have found to get around you having to pay office rent for a location that you may never put to good use and still give the appearance of it being yours is to find shared office space. Look through the classified online and off, and simply find someone willing to rent you a small space in their office and allow you to receive you mail at their location. This seems to work out very well for everyone involved because they get $50.00 to 100.00 per month helping them reduce some of their monthly cash outlay. They don’t even have to be bothered by someone actually coming in the office everyday, and you get an official office space that will show up in Google searches as a commercial location.

Chapter 4
Corporate Credit Building Resource Guide & Corporate Credit Lenders List

Corporate Phone Service
Vonage http://www.vonage.com
Vonage is the phone system that we recommend you use for you corporate phone lines because you will be able to keep the phone system anyplace you want like at your home but have them list your number at your business address in 411 listing so that everything looks as it should to the credit grantors. Also they are cheap, around $29.00 per month unlimited calling.

Domain Names
Go Daddy: http://www.godaddy.com
Is the place that we buy our domain names from because they offer the best customer service and pricing.

Website Building
http://www.websitesdesignandmore.com

Internet Marketing Program
http://www.kimroachreview.com

Incorporation Service(s)
Vanguard Global, LLC: http://www.vanguardgloballlc.com

Starter Pure Corporate Trade Lines To Build Your Dunn’s Profile:

• Nebbs
• Quill
• Uline
• Seton
• FedEX
• USPS

No PG (No Personal Guarantor) Pure Corporate Credit:

• Key Bank
• Home Depot Visa
• Sam’s Club Discover Card
• Race Track Discover Card
• Arco Gas Card
• Arco Master Card
• Dell Computers
• Capital One Business Card
• CHASE Corporate Card
• GM/Ford Fleet Card Credit
• IBM PC
• T Mobil
• US Bank Corporate Visa
• Target
• Chevron
• Wright Express Master Card
• Office Max
• Costco Credit
• Staples
• Northern Tool

New Credit Vendors

www.orchardbank.com
www.creditfs.com
www.catalogcards.com

CORPORATE CREDIT BUILDING 101
THE HOW TO BUILD CORPORATE CREDIT FAST GUIDEBOOK

Join Vanguard Global LLC’s Business Round Table For FREE! Receive regularly updated information, on everything an entrepreneur needs to know!

• Credit repair!
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7 Little Secrets To Getting $5,000 To $50,000 Or More Of Business Lines Of Credit Over The Next 30 Days!

This information is our free gift to you! We hope that it and our other free informational books on business & personal development will help you accomplish whatever goals you may have for you, your loved ones and business!

If you want to receive these free, but powerful e-books on every aspect of being an entrepreneur, and building your business. Simply go to our contact page and fill out the form and we will put you on our list!

Cordially,
Faye & Pascal

Thank you for your time!

VANGUARD GLOBAL, LLC. ® TM
The Business Roundtable
Incorporation, Business & Corporate Services * Credit Building Solutions for Corporations, Business and Personal * Coaching Systems * Business Management * Advertising and Marketing Systems* & More!

List of partner websites:
http://www.vanguardgloballlc.com *
http://www.websitesdesignandmore.com *

Important Resources for Business Building & Getting Business, And Corporate Credit
Although some of the sites that we recommend below are affiliate sites. We want you to know that we would not offer them to you unless we strongly felt that these companies and what they are offering were not tops in their fields of service. You are our primary concern not the money! We believe that if we continue to provide you, our readers and clients, with the best service possible, the financial rewards will come.

Use Websites Design and More to Get a Professional Site Built For You Company
http://www.websitesdesignandmore.com

Using Vonage as your business phone service is the smart and cost effective way to run any business large or small.
http://www.vonage.com

Go Daddy is not only the largest seller of domain name in the business. They also offer in my opinion, the best customer service that I have experienced period!
http://www.godaddy.com

We have found what we believe to be one of most complete courses on internet marketing systems available for those of you that really want to make serious cash flow with your business! http://www.kimroachreview.com/

Incorporation Service(s) http://www.vanguardgloballlc.com

INTRODUCTION

Chapter 1 – The Check List
• Do you know what ghost credit is?
• Do you know what an unsecured business line of credit is?

Chapter 2 - Getting and Building Business Credit
• Why you need a Corporation/LLC.
• Your tax ID/EIN is a must have item.

Chapter 3 - Looking Good On Paper Is All You Need!
• Business lines of credit are credits given to your business with a personal guarantor.
• Keeping your mouth closed is priceless.

Chapter 4 - Show Me The Money!
• The facts and figures to make your case.
• Using a home address is ok, but a business address is better.

Chapter 5 - Stated Income Applications
• Future casting, the art of foretelling your businesses future income.
• Tried and true stated income financials.

Chapter 6 - Using The KISS Theory, “Keep It Simple Stupid”

• Never give more than what’s being asked for.

Chapter 7 - The More People With 700 Plus FICO Scores The Better
• Rinse and repeat you can have as many people applying for credit as you can find.

Welcome!

Thank you for downloading our free e-book, 7 Little Secrets To Getting $5,000 To $50,000 Or More Of Business Lines Of Credit Over The Next 30 Days!

Our goal is to give our Vanguard Global, LLC’s Round Table Members the best information to be found on building your businesses through our e-books, teleconferences, seminars, webinars, and emails. This e-book is taken from firsthand knowledge gained from our own corporate and business credit building, and that of our clients and business associates. Please be aware that some of the issues covered within this book may include speculative topics, statements, information, and procedures that will be passed on to you in an effort to provide you with as much information related to the subject matter listed above. The goal of Vanguard Global LLC’s, free e-book series is to give you the readers, the best information possible. Some of the sites that we may refer you to are affiliate sites and may pay us a commission if you chose to use their service.

Featured Content

• Incorporation & LLC Set Up
• Business Credit Building
• Business Credit Lenders

Chapter 1
The Check List

The check list is your guide to making sure that you have all of the things that you will need in place before you start applying for business lines of credit from the various banks and lenders available to you so that you do not start applying in vain.

1. The very first thing that you must have is good credit, or someone on your team that has good credit. If you do not have good credit or someone that is willing to work with you and allow you to use their good credit standing, then this program will not work for you.

2. A legal business entity of some type is a must have. You will need to have a corporation or a LLC, in order to go after business lines of credit properly.

3. A business phone number listed in the 411 directories is also something that you should have. However, if you do not, you can possibly get away with it when going after business lines of credit.

4. A business checking account will definitely aid you in the process of getting the credit cards and loans you will be going after.

5. A business license is not mandatory, but will definitely help you and your business look like a better risk.

6. Set income, and employee figures.

7. You must have your tax ID/EIN number before trying to acquiring credit.

Chapter 2
Getting and Building Business Credit

Getting and building business lines of credit is really pretty simple. If you have the few things that the banks and lending institutions are looking for you will be quite successful in getting all of the money you want. Understanding that getting business lines of credit is based almost entirely on the person who is putting up their social security number and their credit worthiness for the loan(s) or credit cards. This takes the corporation almost completely out of the equation.

The lender is naturally concerned about your business being real and functioning, but because there is a guarantor they seem to not scrutinize the corporation or LLC as much as they would under normal circumstances.

When you are applying for business lines of credit, you will only apply for 2 to 3 credit cards per month so that you don’t appear to be desperate for capital which will cause undo concern to the lenders and more that likely cause you to miss out on getting the approvals you are looking for.

You should always make sure that the applications, online or offline are the applications for business lines of credit, and not for personal lines of credit, for two very important reasons. First business credit limits are typically higher than personal limits, and second business credit typically does not report on your personal credit history. This means that you can have $300,000 of business lines of credit or more given to you and it would never show on your personal credit history as long as you don’t default on those debts. I call it “ghost money” because no one knows that you have it except you and the lender or credit card issuer(s). Do you see how powerful this is?

Chapter 3
Looking Good On Paper

Looking good on paper is the key to getting the money you want from the banks. Simply put, even though your business entity does not need to have all of the “bells and whistles” it would need if you were going after corporate credit, it still needs to appear to be a real live functioning business in a viable industry. Remember this one thing, no matter how good your personal credit may be, if you put on your credit application that you are in a non performing type of business like real estate, construction or some other business that is not viewed as timely or profitable. The amounts of money that you will receive will be minimal, at best.

Before you start applying for credit, your corporation or LLC, must be filed with your Secretary of State and showing on the Secretary’s website. You should also have your copy of the stamped articles of incorporation or organization, as well as your complete corporate kit containing your minutes and bylaws, corporate seal, stock certificates and your letter from the IRS indicating your tax ID/ EIN. These items are asked for more now than ever before. So you would be wise to have everything ready and waiting so that you don’t slow up the process or appear to be fraudulent.

Getting approved for credit even in these harsh economic times is still relatively easy as long as your paperwork reflects what the bankers want to see. You should make it a habit of keeping copies of everything you submit next to your phone as a point of reference so that if the banks call to do any verification you know exactly what you have put down on the application. Banks like to see earning projections of $240,000.00 to $340,000.00 in gross projected annual revenue and $100,000.00 to $150,000.00 in net projected annual income.

Chapter 4
Show Me The Money!

Show me the money is the simple step by step system that you are going to use to go after and get all of the unsecured business lines of credit available to you right now. You can apply for business lines of credit in several different ways. You can use a paper application, in person at a bank, over the phone, or via that web.

My favorite route of applying for business lines of credit has been via the web. I have found that applying for most credit card applications over the web is a pretty simple and painless process that seems to generate a relatively quick response from the credit card issuers. I also like the fact that when using the online application system(s) you have the ability to apply for more applications back to back. This means that you have less of a chance of the inquiries showing up on your credit profile before you have gotten approval for one or all of the credit applications that you have applied for. This gives you a greater chance of getting approved in my opinion.

The next method of applying for business lines of credit that has been used with great success is the paper application. The paper application process works best when your corporation or LLC is new because that’s when you will receive a ton of unsolicited business credit card offers in the mail from lots of companies vying for the opportunity to give you and your business credit. Once you have incorporated with your Secretary of State that information is then sold to the credit card companies, and to any one else willing to buy the information. Once these companies have purchased your information and have placed you in their databank you will start receiving the paper credit applications in the mail, which usually takes a couple of weeks.

Being patient is key when going through this process. You must not call and bother these companies about your application, no matter how much you may want to do so, because you may trigger an unwanted probe into your application that may reveal some small error that could possible get your application canceled, investigated, or require you to have to come up with a ton of documentation like paycheck stubs and tax returns.

What we want you to grasp here is that each and every one of these companies receive hundreds of thousands of pieces of mail daily, and process almost all of it automatically via their computer systems unless it is kicked out of those systems for human review. Human review is what you want to avoid if at all possible, simply because the people that are charged with this task come to work with their own set of “hang-ups” and attitudes that will play into whether or not they feel your application is passable or not. We have also found that when it comes to human review the people reviewing the applications have a huge incentive to deny your application as opposed to approving it. No one wants to approve someone that may default on the company and thus making them look bad!

The next way to apply for business lines of credit is via the phone. This is not one of my favorite ways of applying for credit so I will keep it brief. All that you need to do here is simply call the customer service department of the lender(s) you want to apply with and tell them that you want to submit an application for their business lines of credit, credit card, and they will walk you through the process.

Let me take a minute here to go over the reasons why I don’t personally like using this method of calling into to apply for credit. First, I try to avoid talking to people because I have no clue what they may ask of me, which leaves room for mistakes to be made and my application being denied. The next reason is that there is in my opinion a far greater opportunity for success when you allow the computer system to process your online or paper application(s).

The next way to apply for business lines of credit is to simply walk into your local branch office of the bank that you wish to apply with and open up a business account and simultaneously apply for your business line of credit, credit card or loan. More mainline banks seem to prefer this over any other process we believe because it makes you not just a credit card holder, of their bank. But a banking customer in the hope that as you are building your business over-all that you will use them to hold your financial assets.

A quick note about the last method above that you should remember. If at all possible you should try and use a bank that you are already doing business with and have an established repore with. Also you may want to consider getting some business cards made at minimum. So when you walk in to the bank and hand the small business accounts person your card, you’re showing them that you are serious about what you are doing, and are already conducting business.

Chapter 5
Stated Income Applications

Stated income applications are as you know by now simply applications of credit that you can simply state what your income is without having to show documentation of “said income.” Business lines of credit card applications are for the most part, stated income applications. These are the types of applications that you will be using to build up your credit empire and accumulate the working capital you are looking for to run your business.

Stated income applications for business lines of credit allow you to do what is referred to as future casting of your new businesses earnings and profits for the year. Appling for credit using this technique has been used for decades, and still remains a common practice to this day. This type of loan process allows you to acquire much needed smaller amounts of capital to run and operate your business without going through a big long dragged out process. These creditcard offers and loans are typically in the range of $5,000.00 to $30,000.00 per approved application. Obviously depending on you or your credit partner’s credit score and debt to income ratio, and the lenders desire to lend at the time of your application.

The power of this system that we are revealing to you here is this. Let’s say that over the next six months you applied at 2 to 3 different lenders per month and received an average of just $5,000.00 per approved creditcard, that comes out to $10,000.00 to $15,000.00 per month and either $60,000.00 or $90,000.00 in liquid capital to use for your business.

Now let’s say that you or your credit partner had really good credit and that you were able to double or triple those figures. That would mean that you could have as much as $180,000.00 to $270,000.00 in liquid working capital to build your business over the same 6 month period of time.

The biggest secret to using business lines of credit to capitalize your business venture, is that you can use the same business entity as many time as you want and go back to the very same lenders that you have already used to get credit from successfully, by simply using a new personal guarantor or credit partner to apply for the credit with. A quick side note here. You must also be in good standing on the credit that you have already obtained via the lender that you are going back to for more credit for that particular business.

Business lines of credit allow you to use your home address for as many corporate entities as you want and still get founding for each one separately, as long as you are using different credit partners for each separate business entity. One thing that you should know is that in most cases any business line of credit, credit cards that you have applied for using a credit partner will not be sent to your address or that of the business it will be sent to your credit partner’s address.

Chapter 6
Using The Kiss Theory, “Keeping It Simple Stupid”

This system is fool proof and will work for you if you don’t over think it. All you need to do is simply apply for business lines of credit, credit cards as mentioned above, and if your credit or that of your credit partner is at least at a 700 or better and has a decent DTI (debt to income ratio) you will be approved in most cases. You should always take extra special care of your credit partner credit so that you can reuse their credit to go after even more credit after a six month cooling period, allowing their credit to rest from all of the inquires that have been placed on their credit profile.

We have learned through trial and era that you must put away at least 12 months of payments for each business line of credit, credit card you have received. This task can be accomplished by simply going to your bank and swiping your credit card for that specific amount of money and having it placed in a separate business account that you will be maintaining. This process will work for you in two different and powerful ways. The first thing is that by putting away 12 months of payments for each credit card that you have received, you insure that the payments will be made on time raising the possibilities of getting an increase in your loan amounts. The second powerful reason that you will want to put away at least 12 months of payments for each credit card that you have obtained is that you will be seasoning your money. Which means when you show the ability to place large sums of money in an account and for the most part not touch it, you become a better credit risk to the banks and will start receiving loan offers from the banks where your accounts are held.

Chapter 7
The More People With A 700 Plus FICO The Better

As mentioned in chapter 6, going after business lines of credit is really a good way to capitalize your business for a lot of reasons. But the one that always sticks out to me most is that you are able to create thousands of dollars in much needed business capital from the same banks over and over again without having to do anything special other than create a corporation or LLC, and apply for credit using yourself or a credit partner or two. Or better yet, what if you had 5 or 10 different credit partners that have good credit and want to invest in your business but simply don’t have the capital to invest, and don’t know were or how to get the capital. If you were able to get 5 to 10 credit partners you could realistically borrow $1,000,000 to $2,000,000 or more in business lines of credit in 6 to 12 months or so at the rate of $5,000 to $10,000 per month per credit partner.

As a true life example we have a client Mr. D. Cary who placed ads on craigslist.org looking for a credit partner for his business ideal and was able to secure a credit partner with a 740 FICO score and at last count had received credit approvals from 4 business credit grantors; Discover, Amex, Capital One, and US Bank. So as you see, anything is possible if you simply get started.

Once again and as always, thank you for your time!

Please feel free to leave any comments or questions that you may have in the contact use page of our website at http://www.vanguardgloballlc.com

Corporate & Business Credit Resources

Corporate/ Business Phone Service
Vonage http://www.vonage.com
Vonage is the phone system that we recommend you use for your corporate phone lines because you will be able to keep the phone system any place you want like at your home. But have them list your number at your business address in 411 listing so that everything looks as it should to the credit grantors. Also they are cheap, around $29.00 per month unlimited calling.

Domain Names
Go Daddy: http://www.godaddy.com
Is the place that we buy our domain names from because they offer the best customer service and pricing.

Website Building
http://www.websitesdesignandmore,com
The simplest way to get your website built by a professional webmaster!

Internet Marketing Program
Marketing: http://www.kimroachreview.com/
This is for those of you that want to create traffic for your business. Kim Roach has put together the most complete “How To” online marketing systems we have seen. Complete with dozens of free traffic getting strategies designed to bring in tons of customers for whatever you’re selling. Click on the link above to watch the free video!

Incorporation Service(s)
Vanguard Global, LLC: http://www.vanguardgloballlc.com
Vanguard Global LLC will create your Incorporation or LLC in any state you choose.

7 Little Secrets To Getting $5,000 To $50,000 Or More Of Business Lines Of Credit Over The Next 30 Days!

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