Tier 2 – Net 30 – Team Work Funding

EMERGENCY BUSINESS LOANS

When you need working capital fast for your business. Same Day Funding up to $1 Million We also offer a micro loan up to $35K in Minutes

BUSINESS LOANS

We know business funding. We offer Term Loans, Lines of Credit, Equipment Financing,Working Capital and more!

ALL SBA BACKED LOANS

We offer all SBA Loan Products. You focus on your business and let us get you approved. Start Ups, Expansion, Commercial etc.

REAL ESTATE HARD MONEY

We are a Nationwide Hard Money Provider. Fix and Flip, Purchase, Cash Out Refi, Ground Up Construction and More!

CASHOUT REFINANCE

Nationwide Cash Out Refi on Commercial and Residential. Special owner occupied program, NO Monthly Payments

Tier 2 – Net 30 Accounts

You must open a Business Bank Account with a major bank before starting Tier 2 – Net 30 Accounts.

We suggest Bank of America or Chase Bank.

DO NOT apply for Tier 2 – Net 30 Accounts if you do not have atleast 5 of Tier 1 – Net 30 Accounts

showing on your business credit report!

You must have also completed the 20Points Company Compliance Checklist

CLICK HERE TO GO TO THE 20 POINTS COMPANY COMPLIANCE CHECKLIST

“Being good in business is the most fascinating kind of art. Making money is art and working is art and good business is the best art.”

David Landers

WHAT YOU MUST HAVE ACCOMPLISHED BEFORE YOU START APPLYING FOR

Tier 2 – Net 30 Accounts.

Here is what you needed to get done before you start adding

Tier 2 – Net 30 Accounts.

1. Completed the 20 Points Compliance Checklist

2. Have at least FIVE Tier 1 – Net 30 Accounts showing on your Business Credit Profile. If you do not have 5 to 7 Tier 1 – Net 30 accounts reporting on your business credit profile, chances are you may be DENIED for Tier 2 – Net 30 Accounts and may have to Personal Guarantee the credit line if approved. I TOLD YOU SO!

3. After the Tier 1 – Net 30 Accounts have showed up on your Business Credit Profile, you have opened a Business Bank Account with a Major Bank like Bank of America or Chase Bank. These banks may offer you a Business Credit Card if YOU HAVE GREAT personal credit. ONLY apply if your PERSONAL CREDIT IS GREAT. Your projected annual sales when applying for the Business Credit Card, should be above $500,000 to get the best approvals.

REMEMBER:

When you open the business bank account with the major bank, Bank of America or Chase, they might have offered you or will offer you a business credit card. Please ONLY apply for the business credit card if you have great credit. ( You have about 5 accounts reporting to your personal credit atht is 2+ years old and in great standing and NO Negatives on your file ). For Businesses that have a projected Business Revenues over $550,000, will get high approval.

NUMBER OF TIER 2 – NET 30 ACCOUNTS NEEDED ON YOUR BUSINESS CREDIT PROFILE:

We suggest that you apply to 10 of the Vendors listed below!. Please follow the instructions and you will achieve your goals.

Products and Services: Gas Card

What Tier: 2

Reports To: Experian and DnB

Time to Report: 60 Days after first order.

Terms: Net 15

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: One Year
Business Credit Required: Yes, 80 Paydex
FICO Score: 680+ ( 2+ years of History ): Not Required, May be required for those that lack the age in their business.

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: N/A

Credit Line: Being Updated

Business Bank Login Required: No

Special Instructions: May require your SSN number if your business is less than ONE year old or your business credit is not strong enough. When applying, they will give you the option to enter your SSN or EIN.

Tips and Tricks: May require your SSN number if your business is less than ONE year old or your business credit is not strong enough.

Products and Services: Office supplies and furniture.

What Tier: 2

Reports To: Equifax, Experian and DnB

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: THREE Years No Pg / Pg Under 3 years.
Business Credit Required: Yes. 80 Paydex
FICO Score: 680+ ( 2+ years of History ): Yes

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: None

Credit Line: Depends on age of Biz or FICO Score

Business Bank Login Required: No

Special Instructions: Must order something before they report to the credit bureaus.

Tips and Tricks:
When applying, they will give you the option to enter your SSN or EIN. We suggest that you PG this card to build a relationship.

If you do not have the age in biz which is THREE years, you may be required to PG the application.

Products and Services: Online Shopping. You will find a wide variety of products.

What Tier: 2

Reports To: Equifax and DnB

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: THREE Years
Business Credit Required: Yes, 80 Paydex
FICO Score: 680+ ( 2+ years of History ): Not Required, May be required for those that lack the age in their business.

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: N/A

Credit Line: Charge Account or Revolving Line

Business Bank Login Required: No

Tips and Tricks: May require your SSN number if your business is less than ONE year old or your business credit is not strong enough. Staples offer both the store card and a credit card. Apply for the store card. Apply in sotre or online.

Products and Services: Building supplies and more!

What Tier: 2

Reports To: Equifax, Experian and DnB

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: THREE Years No Pg / Pg Under 3 years.
Business Credit Required: Yes. 80 Paydex
FICO Score: 680+ ( 2+ years of History ): Yes

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: None

Credit Line: Charge Account or Revolving Store Card.

Business Bank Login Required: No

Special Instructions: Once approved, the credit store line will report after 60 days.

Tips and Tricks:
When applying, they will give you the option to enter your SSN or EIN. We suggest that you PG this card to build a relationship.

If you do not have the age in biz which is THREE years, you may be required to PG the application.

Home Depot offer both a store card and credit card. Apply for the store card.

Products and Services: Dell offers home and office computers and electronics.

What Tier: 2

Reports To: DnB Quarterly

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: No minimum time
Business Credit Required: Yes, 80 Paydex
Vendors on Business Credit Reporting: 5 to 7
FICO Score: 680+ ( 2+ years of History ): Not Required, May be required for those that does not have a strong DnB Business Credit Profile.

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: N/A

Credit Line: Line of Credit

Business Bank Login Required: No

How to Apply: Online

Special Instructions: You must first set up an account. Then click on SUBMIT application for credit. Approvals can take 5 to 10 days.

Tips and Tricks: You must have trade references, a good PayDEx score on DnB and at least 5 to 7 lines reporting on your DnB Business Credit Report.

Products and Services: Verizon offers cellular phone service and phones for your business.

What Tier: 2

Reports To: DnB

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: THREE Years No Pg / Pg Under 3 years.
Business Credit Required: Yes. 80 Paydex
Vendors on Business Credit Reporting: 5 to 7
FICO Score: 740+ ( 2+ years of History ): Yes

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: None

Credit Line: Commercial Net 30 Account

Business Bank Login Required: No

How to Apply: Online or in branch

Special Instructions: Apply for the commercial account and not the Mastercard Credit Card. ONLY apply for the Mastercard Credit Card if you have a 740+ Fico with great Credit History.

Tips and Tricks:
If not approved based on business credit history or been in business for less than 3 years,they may ask for a Personal Guarantee (PG).

Products and Services: Online Shopping. You will find a wide variety of products.

What Tier: 2

Reports To: Equifax and DnB

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: THREE Years
Business Credit Required: Yes, 80 Paydex
FICO Score: 680+ ( 2+ years of History ): Not Required, May be required for those that lack the age in their business.

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: N/A

Credit Line: Charge Account or Revolving Line

Business Bank Login Required: No

Products and Services: Building supplies and more!

What Tier: 2

Reports To: Equifax, Experian and DnB

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: THREE Years No Pg / Pg Under 3 years.
Business Credit Required: Yes. 80 Paydex
FICO Score: 680+ ( 2+ years of History ): Yes

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: None

Credit Line: Charge Account or Revolving Store Card.

Business Bank Login Required: No

Special Instructions: Once approved, the credit store line will report after 60 days.

Tips and Tricks:
When applying, they will give you the option to enter your SSN or EIN. We suggest that you PG this card to build a relationship.

If you do not have the age in biz which is THREE years, you may be required to PG the application.

Home Depot offer both a store card and credit card. Apply for the store card.

Products and Services: Online Shopping. You will find a wide variety of products.

What Tier: 2

Reports To: Equifax and DnB

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: THREE Years
Business Credit Required: Yes, 80 Paydex
FICO Score: 680+ ( 2+ years of History ): Not Required, May be required for those that lack the age in their business.

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: N/A

Credit Line: Charge Account or Revolving Line

Business Bank Login Required: No

Products and Services: Building supplies and more!

What Tier: 2

Reports To: Equifax, Experian and DnB

Time to Report: 60 Days after first order.

Terms: Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: THREE Years No Pg / Pg Under 3 years.
Business Credit Required: Yes. 80 Paydex
FICO Score: 680+ ( 2+ years of History ): Yes

Annual Fee or Set Up Fee: Being updated

Mimimum Order to Report: None

Credit Line: Charge Account or Revolving Store Card.

Business Bank Login Required: No

Special Instructions: Once approved, the credit store line will report after 60 days.

Tips and Tricks:
When applying, they will give you the option to enter your SSN or EIN. We suggest that you PG this card to build a relationship.

If you do not have the age in biz which is THREE years, you may be required to PG the application.

Home Depot offer both a store card and credit card. Apply for the store card.

Products and Services: Business Credit Card – Business Expense Management PLatform.

What Tier: 2

Reports To: DnB and SBFE ( Experian and Equifax )

Time to Report: 30 Days after you start using card.

Terms: Net 7, Net 14, Net 30

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: ONE Year No Pg / Pg if your business credit is weak.
Business Credit Required: Yes. 80 Paydex
Vendors on Business Credit Reporting: 5 to 7
FICO Score: 660+ ( 2+ years of History ): Yes / Soft Pull ExperianYou will have to att

Annual Fee or Set Up Fee: None

Mimimum Order to Report: Must use card / No usage of card for 90 days, you card is closed down.

Credit Line: Net 7. Net 14, Net 30 Account

Business Bank Login Required: YES

How to Apply: Online

Special Instructions: Getting approved from Divvy is based on all your information matches. You must have atleast a 660+ Personal FICO and you must have a 80 Business Score on Experian Business. Start ups can qualify for abusiness credit card but either their personal credit or business credit has to be STRONGER.

Tips and Tricks: Once you apply, here is what you have to look out for:

Once you apply to Divvy, here is what happens:
1. They will call you
2. They will email you
So if you see and 800 umber or and regular number, please answer. Also check your email, they will email you. This may because they need more infor or just wants to talk to you.

HERE ARE SOME MORE INFORMATION:

You will have to attch your business bank account to Divvy
You must use the card, no usage of the card for 90 days, they will close it.
Divvy offer credit up to $500,000 for those with excellent business.
Divvy may require your last TWO years Business Tax Returns when applying for high limits.
Divvy also offer a SECURED BUSINESS CARD for thise that do not qualify for a unsecured business card.
Divvy also offers another option: Pre Pay – Pre Load Option. Look at their website to find out more.
Usage of the card is FREE
No annual FEE
No Charges
NO Interest
You get REWARD as you use the card ( Get more infor from their website.
This card is great for those businesses that wants to control employee spending. You can set monthly spending limits as you like for every employee that you issue a card.IMPORTANAlso Divvy requires all applicants to submit a clear selfie with them holding their drivers licence close to their faces. This is a normal practice to verify you are who you say you are.

IMPORTANT: Also Divvy requires all applicants to submit a clear selfie with them holding their drivers licence close to their faces. This is a normal practice to verify you are who you say you are

Products and Services: Secured Business Credit

What Tier: 2

Reports To: DnB and SBFE Monthly ( Ex and Eq )

Time to Report: 30 Days first transaction.

Terms: Net 7

Personal Guarantee or No Personal Guarantee: Both

QUALIFICATIONS:

20 Points Compliance: MUST be completed.
Time in Business: Three Months
Business Credit Required: Yes, 80 Paydex
Vendors on Business Credit Reporting: 5 to 7
FICO Score: 550+ ( 2+ years of History ): Divvy will do a soft pull on Experian to check your personal credit and they will pull your Experian Business Credit Profile.

Annual Fee or Set Up Fee: None

Mimimum Order to Report: After you start using card

Credit Line: Depends on how much you deposit to secure a secured Business Credit.

Business Bank Login Required: Yes ( Good to have some money in your business bank account when applying , eg: $500.00 )

How to Apply: Online

Special Instructions: Getting approved for a secured business credit with Divvy depends on two things. One, your personal credit must be over 550 and your experian business score must be like an 80.

Tips and Tricks: This is absolutely a great program to get a account reporting to your business credit. To make it simple, its like a secured credit card. What you deposit as security is your limit. Start using this card to make any purchases for your business and this will help you build business credit and build your business relationship with DIvvy. In the future as your business crediy get stronger, you can request for unsecured credit.

IMPORTANT:

Once you apply to Divvy, here is what happens:

1. They will call you

2. They will email you

So if you see and 800 umber or and regular number, please answer. Also check your email, they will email you. This may because they need more infor or just wants to talk to you.

OUR TAKE: There is not an easier way for you to get an account to report on your business credit bureau. You are simply using their system to pay your business bills and they report to the business credit bureau.

Divvy is lots more than this. They are actually a Expense Management Platform. So they simply your business expese tracking. There are lots more features with using Divvy.

We highly recommend that you join them and deposit at least a $500.00, so your spending limit is $500 and start paying your business bills or recurring bills using Devvy.

Again, Here you are using a service that you would use with your regular bank. But your regular bank does not report to the business credit bureaus, DIVVY DOES!

TIER 2 – NET 30 ACCOUNTS PROVIDER
REMEMBER: We need FIVE TIER 2 – NET 30 ACCOUNTS TO REPORT TO YOUR BUSINESS PROFILE.

We suggest that you apply to TEN of them.
DO NOT APPLY UNLESS YOUR BUSINESS CREDIT REPORT ON NAV IS SHOWING ATLEAST THREE ACCOUNTS REPORTING AND YOU HAVE A 80 PAYDEX SCORE.

Honda Power Equipments –
Office Garner – https://officegarner.com/
Caterpillar –
Gulf Fleet – https://www.gulffleetcard.com/
AtoB – https://www.atob.us/
Newegg –
GetGo – https://www.getgofleet.com/
Hertz Car Rental –
Maverik – Click Here
Enterprise Rent a Car –
Gulf Fleet – https://www.gulffleetcard.com/
Fleet Pride – https://fleetpride.com/
Zoro – https://www.zoro.com/
Lukoil – http://www.lukoil.com/
Meijer – https://www.meijer.com
United Rentals – https://www.unitedrentals.com
Lowes Account Receivables –
Winn Dixie Grocery –
Amazon Net 45 –
Best Buy Business Advantage –
Dell Business Credit –
B and H Photos –
Floor n Decor –
JC Penny –
Uber for Business –
Grubhub for Business –
Tiffany & Company –
Sams Club Store Card ( Must apply in Store ) –
Verizon Wireless Business Account –
Credit Strong $10K Business Credit –
Tractor Supply –
Amazon – https://www.amazon.com
Northern Tool – https://www.northerntool.com
Sheetz – https://www.sheetz.com/
Seven Eleven – https://www.7-eleven.com/
QuickChek – https://quikcheck.com/
Holiday – https://www.holidayfleetcards.com/
Digi Key – https://www.digikey.com/
CDW – https://www.cdw.com/
Wawa – https://www.wawa.com/
EFS – https://www.efsllc.com
Office Depot – https://business.officedepot.com
AT&T Wireless –
Greybar – https://www.graybar.com/store/en/gb
Sherwin Williams Paint –
Global Fleet – https://www.global-fleet.com
Exxon Mobil – http://exxonmobil.com/
Home Depot Commercial – https://www.homedepot.com
QuikTrip – https://www.quiktripfleetoffers.com/
Valvoline Fleet – https://www.valvoline.com
Auto Zone –
Hisco – https://www.hisco.com/
Valero – https://www.valero.com/en-us
Lowes Hardware – https://www.lowes.com
Oreillys Auto Parts –
Staples – https://www.staples.com/
Tiger Direct – http://www.tigerdirect.com/
National Tire and Battery –
Advance Auto Parts –

ONCE YOU HAVE COMPLETED ADDING FIVE

Tier 2 – Net 30 Accounts.

WAIT 45 to 60 Days for atleast THREE of them to report to your business credit report before moving to Tier 3 – Net 30 Accounts.

We offer a professional Coaching and Funding Program

once you have completed all of the steps above.

Give us a call if interested!

We are Business Credit Builders!

EMERGENCY BUSINESS LOANS

BUSINESS LOANS

ALL SBA BACKED LOANS

REAL ESTATE HARD MONEY

CASHOUT REFINANCE

CLICK HERE TO GO TO THE 20 POINTS COMPANY COMPLIANCE CHECKLIST

GetGo Fleet Fleet Card

Office Depot / Office Max

Amazon

Home Depot Commercial

Dell Home and Office

Verizon

Auto Zone

Best Buy

Digi - Key

https://www.northerntool.com/

Divvy Business Credit Card

Divvy Business Credit Builder

EMERGENCY BUSINESS LOANS

BUSINESS LOANS

ALL SBA BACKED LOANS

REAL ESTATE HARD MONEY

CASHOUT REFINANCE

CLICK HERE TO GO TO THE 20 POINTS COMPANY COMPLIANCE CHECKLIST

​GetGo Fleet Fleet Card

​Office Depot / Office Max​

Amazon

​Home Depot Commercial

​Dell Home and Office

Verizon

​Auto Zone

​Best Buy

​Digi - Key

https://www.northerntool.com/

Divvy Business Credit Card

Divvy Business Credit Builder

GetGo Fleet Fleet Card

Office Depot / Office Max

Home Depot Commercial

Dell Home and Office

Auto Zone

Best Buy

Digi - Key