The "Starter Set" of Revolving Credit Accounts

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The Rules For Applying With Revolving Accounts Are...

  1. Always submit each application with your personal SSN number information left blank.
  2. If any of the revolving accounts ask for a social security number, be sure to tell them you want to first try qualifying for credit terms based solely on your business information.
  3. You may need to provide a personal guarantee (PG) with some of these providers. Giving a PG is OK as it only affects the guarantor's personal credit in the case of total default. A few late payments will not affect your personal credit, but you still should not be late on payments!

Check the revolving credit providers you would like an account with. . Pay careful attention to their approval criteria before you apply.

Contact Us

Open an Account:  Signup Online

Service Description:  Business loans from $10,000 to 90% of the available balance in your business savings account up to a maximum of $250,000. Excellent for creating comparable reporting credit and helping to get to Tier 4 qualifications Terms up to 60 months1 Fixed interest rate Savings account used as collateral

Reports To: Experian

Getting Approved: Have all your lender compliance items completed and open a business savings account for 110% of the amount you want to borrow and have reported.

Payment Terms:  Revolving

Phone:  808-627-6900

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Brex is rebuilding B2B financial products, starting with a corporate card for technology companies. Helps startups of all sizes (from recently incorporated to later-stage companies) to instantly get a card that has 20x higher limits, completely automates expense management, kills receipt tracking and magically integrates with their accounting systems.

Reports To:  D&B and Experian

Getting Approved:  Entity in good standing with Secretary of State. EIN number with IRS. Business address- matching everywhere. D & B number. Business License- if applicable. Must have a business bank account. For E-Commerce: At least 1 year in the business. Must make a minimum of $100,000 in monthly sales. Average bank balance of $20,000. At least 50% of the revenue directly from consumer sales. For Start-Ups: No minimum time in business & average bank balance of $50,000

Payment Terms:  Revolving, Net 60 & Net 30

Phone:  844-725-9569

Visit Their Website: Click Here


Open an Account:  Signup Online

Service Description: Divvy is a business credit provider along with a business expense software tracking app.

Reports To:  D&B, Experian and Equifax

Getting Approved:  They offer many means of underwriting that try to find a credit line that fits your unique business situation. If you have all your lender compliance completed, at least Net 30 tradelines reporting, and a minimum mid 4 bank rating you should get approved.

Payment Terms:   Revolving

Phone:  855-229-3111

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  This is a secured business credit card that is excellent for both building business credit and created comparable credit. Funds are guaranteed by a Metro savings account. Low APR* of 13.90% while building your business' credit history. Credit lines from $1,000 to $25,000. Therefore if you deposit at least $10,000 they will report a $10,000 business line of credit helping you to get higher approvals from over credit providers.

Reports To: Experian and Equifax

Getting Approved:  Provide Security Deposit.

Payment Terms:  Revolving

Phone:   877-696-3876 x7559

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description: Ramp is a two-in-one business charge card plus spending management app. It does not require a personal credit check or guarantee. Credit limits from $500 to $5M.

Reports To:  Experian

Getting Approved:  Ramp looks only at your business so it is recommended that all Tier 2 requirements have been met before applying. Ramp bases your business credit limit solely off your business bank rating.

Payment Terms:   Net 30

Phone:   347-229-9695

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Secured Business Credit Card available to all businesses and it reports business credit.$500 to $25,000 credit line based on the amount you deposit. Use your card for everyday expenses, such as office supplies and online payments. As with any credit card, you’ll need to make monthly payments.

Reports To:  Experian and Equifax

Getting Approved: Provide the security deposit. A physical address is required to receive a Wells Fargo business credit product. You must be an owner of the business.

Payment Terms:  Revolving

Phone:   800-416-8658

Visit Their Website:  Click Here


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