Famp Business Concierges logoFamp Business Concierges

Free Resource — No Credit Card Required

Get Your Free Business Credit Roadmap

The exact steps to go from zero credit to a $50K+ credit line — without touching your personal credit score.

Enter your email and we'll send you the roadmap — plus it's always visible below.

No spam. Unsubscribe anytime.

The full roadmap is below — free, no signup required

Your Step-by-Step Guide

The Business Credit Roadmap

17 steps across 4 phases — follow them in order and you'll have a fundable business credit profile in under 12 months.

Phase 1

Foundation

Week 1–2
  1. 1

    Form your business entity (LLC or Corp) — separate legal identity from your personal name

  2. 2

    Get your EIN from the IRS (free at irs.gov) — this is your business "Social Security number"

  3. 3

    Open a business bank account — must be in your business name, not personal

  4. 4

    Get a dedicated business phone number and address

  5. 5

    Register with D&B to get your D-U-N-S Number (free at dnb.com)

Phase 2

First Credit Accounts

Month 1–3
  1. 6

    Apply for 3–5 net-30 vendor accounts (Uline, Grainger, Amazon Business, Staples)

  2. 7

    Make small purchases and pay invoices EARLY — this builds your Paydex score

  3. 8

    Register with Experian Business and Equifax Business

  4. 9

    Check your business credit reports after 60 days — verify accounts are reporting

Phase 3

Build Your Profile

Month 3–6
  1. 10

    Apply for a business credit card (secured if needed) — keep utilization under 30%

  2. 11

    Add a second wave of net-30 accounts (Home Depot Pro, Office Depot, quill.com)

  3. 12

    Target a Paydex score of 80+ — this is the threshold most lenders require

  4. 13

    Dispute any errors on your business credit reports

Phase 4

Access Real Funding

Month 6–12
  1. 14

    Apply for a business line of credit ($10K–$25K range to start)

  2. 15

    Explore SBA loans — 7(a) for general use, Microloan for under $50K needs

  3. 16

    Research grants specific to your industry or demographic

  4. 17

    With 12 months of history and a strong Paydex: apply for $50K–$150K credit lines

What to Expect

30 DaysFirst trade lines reporting, Paydex score established
60–90 DaysPaydex 80+, first business credit card approved
6–12 Months$25K–$150K business line of credit, SBA eligibility

Skip the Guesswork

Ready to move faster? Our members skip the guesswork.

The roadmap above is free — but our members get the full toolkit: templates, lender database, expert guidance, and a dedicated concierge for the fastest path to funding.

DIY Accelerator — $97/moDone-With-You Concierge — $297/mo

No contracts. Cancel anytime. No personal-credit hit to start.