Course Content
Your Loan Packaging Course
Learn to craft a persuasive loan package to secure financing. This concise course covers essential financial documents, integrating your business plan, understanding credit scores, and presenting your business effectively to meet lender expectations. Gain insights into legal compliance, submission tips, and strategies for engaging with lenders, all aimed at showcasing your business's growth potential.
The Business Entity Course
Navigate the complexities of choosing the right business structure with "The Business Entity Course." This focused course demystifies the process of selecting an entity type—such as LLC, corporation, or partnership—that aligns with your business goals, legal protections, and tax implications. Learn about the advantages and disadvantages of each entity type, the impact on your personal liability, and how your choice affects funding opportunities. This course provides the foundational knowledge needed to make an informed decision on structuring your business for success.
Personal Credit Enhancement Course 101
Boost your financial credibility with the "Personal Credit Enhancement Course 101." This essential course offers strategies to improve your personal credit score, a critical factor in securing business financing. Dive into understanding credit reports, identifying and rectifying errors, and employing tactics to enhance creditworthiness. Learn how personal credit impacts business funding opportunities and master practical steps to elevate your score for better loan terms and access to capital. This course is your guide to building a stronger financial foundation for both personal and business growth.
Business Credit 101
Unlock the potential of your business with "Business Credit 101," a course designed to guide entrepreneurs through the intricacies of establishing and managing business credit. Discover how to create a robust business credit profile that lenders trust, understand the key differences between personal and business credit, and learn strategies for building creditworthiness. This course covers the essentials of business credit reporting agencies, how to secure credit lines, and the impact of credit on your business's funding capabilities. Equip yourself with the knowledge to leverage business credit as a powerful tool for growth and financial stability.
A Bankable Business Plan Course
Transform your vision into a viable financial strategy with "A Bankable Business Plan Course." This comprehensive course guides you through crafting a business plan that not only articulates your business model and market potential but also appeals to investors and lenders. Learn to effectively communicate your business's value proposition, operational plan, and financial projections. Discover the components that make a business plan compelling, including market analysis, competitive edge, and financial forecasts. By the end of this course, you'll have a polished, professional business plan ready to open doors to funding and growth opportunities.
Lender Strategies and Tips Course
Navigate the lending landscape with confidence through the "Lender Strategies and Tips Course." This insightful course equips you with the knowledge to approach lenders effectively, understand their criteria, and improve your chances of loan approval. Delve into the nuances of different financing options, learn how to present your business in the best light, and uncover the secrets to successful loan negotiations. From building strong relationships with banks to preparing for common lender concerns, this course offers practical advice and strategies to secure the financing your business needs to thrive.
Funding Source Overview
Explore the spectrum of funding opportunities with the "Funding Source Overview" course. This essential guide introduces you to the diverse world of business financing, from traditional bank loans and SBA loans to innovative online lending and venture capital. Understand the pros and cons of each funding source, eligibility criteria, and how to align them with your business needs. Gain insights into navigating the application process, optimizing your chances for approval, and strategically choosing the right mix of financing to fuel your business growth. This course is your roadmap to identifying and securing the optimal funding sources for your enterprise.
Become Lender Ready
About Lesson
Learn Who The Three Main Business Credit Agencies Are
Business Credit Agencies

As previously discussed, there are three major business credit bureaus; Dun & Bradstreet, Experian Business and Equifax Business. Keep in mind that each of these bureaus has their own separate credit profiles so it’s important that you monitor your files on a regular basis.
Important Note:
Dun & Bradstreet is used by most vendors to extend lines of credit. Experian is used by many credit card companies and none traditional business lenders. Equifax is most important for cash lenders like banks.
Let’s take a second and try to wipe away all confusion about the Business Credit Reporting Agencies…. 
Along with being able to access all three of your business credit reports, you will have a much clearer understanding of the business credit reporting process, including how your business credit scores are developed.
Dun & Bradstreet
Dun & Bradstreet claims that you must pay them anywhere from $299 to $799 or your business file will never be opened. That is simply not true. The next steps will allow your information to be submitted to Dun & Bradstreet to establish your profile and obtain your DUNS number. The unfortunate part about FREE is it is going to take between 30-45 business days to receive that DUNS #. Along with some conventional business lenders for underwriting, D&B is used by many vendors to determine if they will extend your business net terms, and landlords use them to approve office leases.
Experian Business
Establishing your business credit profile with Experian is little more difficult. The reason is because Experian the only way to establish a small business credit report is when a creditor, supplier or lender reports your company’s payment experience to them. This will be established once we have vendors reporting your credit history. Experian is an extremely valuable source for business credit because it receives the majority of its reporting from commercial banks, equipment leasing companies, revolving business credit card accounts, and many trade vendor lines of credit (Net 10, 15 & 30 accounts).
Equifax Business
This is another credit profile that gets created only when a supplier or lender reports your company’s payment data. Equifax is the one of the most difficult bureaus to get listed with because many of the reporting partners are banks and lenders and will require you to have a loan or line of credit established with them prior to your payment history being reported.
Currently, most U.S. banks report to Equifax on their business loans as well as most business credit cards that are underwritten by banks. Therefore, by opening accounts with many of the business credit cards in our system you will also be building your Equifax small business credit score and profile. 
By phone: 
You can call 1-800-727-8495 to be mailed a free copy, but only after you’ve applied for business credit under your business name within the last 60 days. So if a business lender or credit provider has checked your business credit with Equifax Commercial Reports within the last 60 days, you can call the 800 number to be mailed a free copy of your Equifax commercial report. Lenders will not pull your Equifax report without your authorization so you should know exactly when a lender has requested it. Remember, It does not matter if you are approved or declined, only that you applied for credit.
By mail: 
You can get a free copy of your Equifax commercial report, even if you haven’t applied for any type of business credit in the last 60 days, by simply mailing your request to:
Equifax Inc.
P.O. Box 740249
Atlanta, GA 30374-0249
Your request letter should say, Please forward to me a copy of the available commercial credit report for: and then provide the exact legal name of your business, your business address, EIN number, business phone number, and owner/officer name. 
Remember, if your business is less than 1 year old and you haven’t applied for any sort of business credit yet, there is a good chance an Equifax Commercial file does not exist for your company. However, even if you haven’t applied for any type of business credit under your company name but your company is more than 1 year old, Equifax may have a commercial file for your business.