Small Business Credit
How a Small Business Credit Report Impacts Your Company
By Marco Carbajo
I'm sure you have a habit of checking your personal credit scores, credit reports and credit card statements on a regular basis but how much attention do you pay to your small business credit report?
While there are several business credit bureaus that collect data, let's stick with the three main ones. Keep in mind that each file you have listed is going be different with each bureau so it's important that you monitor your files on a regular basis.
Dun & Bradstreet Business Credit Report
This report also known as the Business Information Report or BIR is an overall profile that suppliers and lenders will use to evaluate your company and tends to be the most popular D&B report that creditors pull. The report is pretty extensive because it includes your company's financial information, history & operations, payment history and details.
Keep in mind that the details of your company like financials are supplied by you when you set up your file so be sure to keep this information updated through eupdate so it matches the numbers you provide on credit applications. Any inconsistencies can cause your company to get declined.
Two things you should pay special attention to is the paydex score and credit limit recommendation listed in your report. A 75 or greater Dun & Bradstreet credit rating is considered a good risk but what carries more weight is the credit limit recommendation.
The conservative credit limit is for companies that prefer to minimize risk as much as possible and the aggressive limit is for creditors that will accept more risk.
Experian Business Credit Report
This report also known as the CreditScore Business Report includes you're company's business and credit information. It's considered Experian's most popular report used by creditors and specifically you want to pay attention to your business credit score.
A score of 90 or greater is excellent and it's based on your company's industry risk, number of trades, length of history and your debt to credit limit ratios. Make sure you avoid selecting a high risk SIC and NAICS classification code for your company because this can have a negative impact on your scores.
Now don't be surprised if your company is not listed with Experian because the only way to establish a small business credit report is when a supplier or lender reports your company's payment experience to them.
Equifax Business Credit Report
This report could also be referred to as the Equifax Small Business Report and it includes a summary of your company's financial and non-financial accounts. One of the unique differences in this file is the two credit rating scores known as the Equifax Credit Risk Score and the Equifax Business Failure Score.
Your risk score can range from 101 to 992 with the higher the number being the lower the risk. Some of the factors that contribute to this include derogatory trades, length of history, credit limit amounts and number of employees.
The failure risk score predicts the chances of your business failing over the next 12 months. This number ranges from 1,000 to 1,880 with the higher the number being the lower the risk of possible failure.
Some of the key factors that determine your score include length of time since the oldest account was opened, debt to credit limit ratios, negative payment history and number of trades.
This is another file that gets created only when a supplier or lender reports your company's payment data. It's said to be one of the most difficult bureaus to get listed with and this may be because many of the reporting partners are banks and lenders.
This is why I recommend establishing a reporting bank loan as soon as possible. This not only will have a positive impact on your small business credit report but it will also improve your overall bank rating.
As you can see your business credit files require the same level of attention that you give to your personal credit files. By knowing how your company's risk level is being rated by the major business credit bureaus the greater level of confidence you will have when you apply for business financing.
Marco Carbajo is founder of the Business Credit Insiders Circle. Want to learn more about building your business credit reports without using a personal guarantee? Claim Marco's popular FREE business credit seminar ($597 Value), available at: => http://startbusinesscredit.com
Follow Marco on Twitter @MarcoCarbajo and read more of his insights on http://BusinessCreditBlogger.com
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Small Business Credit Reports and Scores
By Adam Tijerina
You know you have personal credit reports and credit scores, but were you aware that if you run a business, you also have a business credit report and score? If you run a small business, find out why it is important to access your own reports and those of your customers, vendors and suppliers and how that information can affect whether or not you get access to an increased credit line or more stringent credit terms for your company.
Your small business credit report and score can indicate to a potential customer, vendor or supplier your credit worthiness and can have factor in the what kind of credit terms you get or if you get any financing at all. They will see how many accounts you have opened, how many of those accounts are past due, the average amount you owe, and whether you have ever been past due on any of your accounts.
You can also get access to public records such as bankruptcies, judgments, liens, alternate company names and other DBAs all on a small business credit report.
All this information is then compiled and given a credit risk score by Equifax which can indicate how likely a company will fall behind over 90 days on their bills or result in a charge off over the next year. Wouldn't this information be useful in deciding on who to do business with?
Equifax also provides a business failure score which can predict how likely a big business will fail and have to file bankruptcy over the next year.
There are no free business credit reports as their are with personal credit reports. You can chalk up the cost of this information as a cost of doing business which can save you thousands of dollars by going with a responsible vendor or supplier or new customer who will not default on their payments.
Buying small business credit reports and scores can help you make smart decisions about who you decide to do business with and can prevent you from working with an unreliable customer, vendor, or supplier who has a lousy payment history and keep your cash flow low.
Access business credit reports for your own company or a potential partner and avoid getting burned.
Visit http://www.smallbusinesscreditreports.org/ for small business credit checks.
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Unsecured Small Business Credit - 3 Steps So You Can Run Your Business Your Way!
By Shawn M Casey
Unsecured small business credit allows you the flexibility to build your business on your own guidelines and terms. If you do not want to risk losing your house for your business, you can refuse to sign-up for any lines of credit requiring a personal guarantee. If you have a preference of credit cards over business loans, you have the option to apply for credit cards specifically for small businesses. The point is you are able to "call all shots" to create a business YOU want.
To Assure You Will Be Able To Create And Maintain A Business, Follow These Three Easy Steps To Help Yourself Acquire Unsecured Small Business Credit:
1. Build A Positive Credit Score. Unsecured small business credit loans and credit cards are based upon how much credit you have built. The amount of credit you built is transferred into a credit score much like your personal credit score, except your personal assets are not at risk with the score for your business. However, your chances of establishing a successful business is higher when you have a good score. Most lenders will require a score of 680 when you apply for an unsecured small business credit loan.
2. Create Professional Relationships With Vendors. You will be required to provide 3-5 contact information and reference letters for vendors you work with on a normal basis when you are applying for an unsecured small business loan or card. Before your business is even opened, you should begin building credit with a vendor (or two, or three) by purchasing your design supplies from them. The longer you do business with a vendor, the more likely you will receive a good recommendation letter from them.
3. Do NOT Put Your Social Security Number On Anything. This one is the key to having unsecured small business credit. Your social security number is not needed for any line of credit with unsecured guarantees. A secured guarantee is needed when you provide your social security number, and that guarantee is promised if something bad should happen to your business.
Unsecured small business credit can help you build, maintain, and run a business on your terms, and your terms only. You will need to set up your business and business practices to be the best they can be though. So, make sure you start to build credit early on, have a good credit score, and always keep your personal information private. Oh, and have some fun knowing you have set the guidelines for everything related to your business.
Shawn Casey Is Determined To Help Entrepreneurs Start And Grow Their Businesses Through The Experience And Advice He Offers On His Blog At [http://www.Businesscreditnow.Org]. He Explains Business Topics Such As Using Unsecured Small Business Credit [http://www.businesscreditnow.org/unsecured-small-business-credit-secure-your-assets-with-unsecured-business-credit.html] To Guarantee The Safety Of Your Personal Assets.
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Build Your Small Business Credit For Future Success
By John Kessler
We all know that establishing a solid credit history for ourselves is important. However, if you're operating a small business you can't neglect the importance of its credit history either. Otherwise, you may find yourself needing credit for your company but unable to get anything. That's a bad position to be in.
First Steps to Small Business Credit
Obviously, you need to make sure that your business has its own identity before you can begin building its credit history. If you are operating the company under your own name, then you're not going to be able to separate its credit from your own just as you can't separate its assets from your own.
To separate your company from your personal identity, you need to register it as an LLC (limited liability corporation) or a corporation. You'll need to complete the paperwork and pay fees of $100 and up to complete the process but you'll also receive some tax benefits and increased credibility with your consumers. Plus, if things do go wrong with the business you don't have to worry about that impacting your own personal credit report.
When your register the business a permanent address and contact information needs to be provided for the business. A post office box cannot be used.
After you have completed the incorporation process, you'll need to gather all of the other paperwork that most lenders are going to require: your business permit or license, for example. You'll also need to show your financial statements, contracts, business references, etc.
Finally, you should contact one of the credit agencies and register your business so they will have a file ready for you as you begin building your credit history. Keep in mind that these agencies will not be the same ones which keep track of your personal credit. Experian Business and Dun & Bradstreet are just examples of these agencies.
Small Business Credit: One Step at a Time
If you remember how difficult it was to establish your personal credit for the first time, you'll have a good idea of the struggle you'll be facing with your small business credit aspirations. One of the easiest methods of starting a credit history for your business is taking out a credit card.
Credit cards are generally easier than other types of credit to obtain. Plus, many of the cards have reasonable interest rates and can be easy to maintain. They are also very useful for a wide range of purchases.
Obviously, maintaining a reasonable balance and paying your bills on time. You should keep a balance on the card but never max it out - that looks bad on your report. If possible, look for cards that provide cash back or other incentives for businesses. That way you'll be reaping other rewards from your business spending.
Another good reason for choosing a credit card is that you'll have an easy record of your business expenses at tax times. Just remember not to use your business card for any personal costs. It might be tempting but you do not want to give in to that temptation.
Another alternative is a line of credit through your bank. Many banks will extend credit to you for the short-term. If you want to pay off the balance quickly, just make larger payment. Everything over the minimum payment will go directly towards the principal so you'll save on interest in the long run. Plus, those monthly payments will each help build your credit history and allow you access to better terms and larger amounts as they are needed.
Keeping Your Small Business Credit in Good Shape
Once you have established small business credit, you need to be sure to keep your credit in good standing. Remember to always make your payments on time. If you're mailing payments, do so at least five to six days before the due date. Even if your payment is received a day after the due date, some credit card companies will consider it a late payment and penalize you accordingly.
You should also keep your balances within reason and work on paying more than the minimum balance each month. This will help you pay down the balance faster and will lower your interest costs.
Finally, monitor your credit report. Errors on credit reports are quite common but they can have a devastating impact on your ability to get the credit you want for your business. Make checking your report an annual habit.
Business credit enables a small business to weather the cash flow issues that can occur as a business expands. Discover the best way to gain and maintain Small Business Credit [http://www.infotoodle.com/business-credit] at [http://www.infotoodle.com/business-credit]
Article Source: https://EzineArticles.com/expert/John_Kessler/211152
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Small Business Credit and Small Business Lending
By David Gass
Most people who start and operate a small business expect to work hard for long hours in order to get their business idea off the ground. What they don't expect is to have to shine their shoes and their personal financial resume in order to get small business credit from their local bank or financial institution. Yet that is the experience of many small business owners who for a variety of reasons need to have loans, lines of credit, or other small business credit in order to keep their business afloat.
The ability to obtain small business credit from a lending institution is directly related to the financial reliability of the small business owner or operator. One of the first things a bank will ask for is proof that the person requesting the small business credit has a good financial standing in the community.
If one has previous bankruptcies, bad debts, or bad loans in their personal financial past, then the bank is usually very reluctant to provide small business credit or financing. Even if they do agree to provide some funding they almost always charge a premium rate of interest and may even demand guarantors or co-signers to the debt arrangement. That's why it is important to check your credit rating before you head off to the bank for your small business line of credit. There are loan programs available that don't use your personal credit such as cash advance on merchant accounts and accounts receivable factoring.
There may be errors or omissions on your credit report that you can change or amend before the bank turns down your small business credit application. There may a possibility of contacting former creditors to see if an arrangement can be reached before you even ask your lending institution to look at your commercial credit needs. Even if you can't change the content of your credit file you can be at least prepared to provide an explanation to the bank as to why they occurred in the past and to give them assurances they will not happen in the future.
A small business credit application may allow you to apply for start up funding to get your business rolling. It may be a small business line of credit that you can use for short term emergencies or tight cash flow months. It may be a business loan that you can use to buy new equipment for your enterprise or to purchase property on which to build your corporate headquarters. Your bank or commercial lender can help you make the right choice of small business credit vehicle to meet your needs for today and tomorrow.
It is hard to break into the world of small business credit, mostly because the risk of small business failure is greatest during the first couple of years of operation. But once you establish yourself in business with a small business line of credit you can rest at little easier and devote your efforts to making your small business a great success. If you want more information about small business loans and someone to work with you to find the right lender and loan program for your needs visit http://www.loanforyourbusiness.com
David Gass is President of Business Credit Services, Inc. His company publishes a weekly e-newsletter on Starting and Growing a Small Business at http://www.smallbusinessconsulting.com You can sign up for their free newsletter by visiting http://www.smallbusinessconsulting.com
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Equifax Small Business Credit Risk Score
By Manmohan Mehta
Dun & Bradstreet is the primary company used to evaluate business credit and issue a credit score known as Paydex.
There are also other companies that provide similar credit evaluation services to businesses based on their independent databases.
One of them is Equifax who offers a business scoring credit model knows as Equifax Small Business Enterprise/ Equifax Small Business Credit Risk Score.
Equifax, one of the three major consumer credit rating bureaus, is now providing business credit evaluations for over 22,000,000 small businesses and corporations to detect early signs of trouble by monitoring key customers, suppliers & partners.
Equifax's model is designed for companies that provide goods and services to small businesses.
The score was created to enhance risk assessment throughout the account lifecycle by predicting the probability of a new or existing small business customer becoming seriously delinquent on supplier accounts, or bankrupt, within a 12 month period.
Credit scores range from 101-816 with a lower score indicating a higher risk for serious delinquency.
There are also four reason codes which indicate top factors that impact the credit score for a better understanding of risk.
Equifax does provide both consumer and business credit risk models, but there are considerable differences between the two.
What Business Credit Can Do For You
You want to protect your personal finances. But when you own a business this is very tough to do.
Most creditors and lenders require that you supply them with your own personal guarantee for anything you do for the business.
This means if anything were to go wrong at work, they come after your personal assets also.
What they don't want you to know is that you CAN easily obtain money for your business without offering this personal guarantee.
Business is credit you obtain in your business name. You can be approved with no personal guarantee required.
Your profile is used to approve you, not your personal credit profile. So this means there is no personal guarantee and no personal credit check required.
Business credit is easier to qualify for than most consumer credit. And typically the approval limits are also higher.
So this doubles your borrowing ability, and still lowers your risk.
As you utilize you get approved for higher limits, and more unsecured credit with Visa and MasterCard.
This helps you have a security blanked in a time in need. And most importantly, you can use this credit without having any personal financial liability.
Your value, and borrowing power will be greatly improved the higher business score and borrowing potential your business has.
Credit Suite helps you get Business Credit and financing for your business and make money offering Build Business Credit and financing for your customers.
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The Importance of a Small Business Credit Report
By Patricia Bakers
Starting a small business is challenging today because of fierce competition. Often you feel like a small fish that is being surrounded by sharks, the big companies that have resources and large bank accounts. In order for a small business to have success they need to grow by extending credit to accounts and clients. While being paid in cash is good, most global businesses don't operate in this way. Credit is a reality in today's business world and all businesses, no matter how small, have to deal with it.
So how can you determine who to extend credit to? You need to know whether you should accept the large order from a global company that wants terms of net 30 or net 60. If the company doesn't pay for any reason then financial problems can develop including bankruptcy.
Thankfully, small businesses have a powerful tool they can rely on to make important decisions. A small business credit report given through a reputable credit risk management agency can make sure you are getting the information you need in order to make a sound business decision.
How the Process Works
For example, a small customer steel fabrication manufacturer in Germany receives an order from a company in Dubai. The only way to fill the order is to expand capacity. Although, if the Dubai company goes bankrupt or doesn't pay on time then the company in Germany faces serious financial issues. In order to determine the risk involved, it is important to get a credit report on the Dubai business from a global credit risk management agency.
A small business credit report is published from raw data that comes from a number of sources. Some common sources for a report include the local chamber of commerce, banks and lenders, public financial filings, records and information from the company and creditors who can provide trade information. Often the data published in the reports includes the following:
- Business trends
- Credit utilization
- Demographics
- Management and shareholder names
- Number and frequency of trade experiences
- Outstanding loan balances
- Payment habits
- Public record information
In order to determine accuracy, all the information is crosschecked and filtered. The final report is presented in an easy-to-read format. The business is then provided a final score that is often on a scale of one to five with five being the lowest risk. Even a comprehensive report can't guarantee that a business will pay, but it can help reduce the risk of extending credit to a new company you haven't worked with before.
Today's business industry is changing rapidly and it is important to choose a credit risk management company that provides you with routine updates on the companies you are working with. The level of risk involved can increase when there is a change in management or stockholders, loan defaults or employee layoffs. You don't want to be caught off guard when a reliable account fails to make a payment. When you go with a global credit risk management company you can be sure you are getting the vital information you need in order to keep your business growing.
Patricia Bakers works for Credit Risk Manager, the small business credit report service powered by Graydon, a company with a history of more than 120 years in credit management.
Article Source: https://EzineArticles.com/expert/Patricia_Bakers/607750
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The Importance of a Small Business Credit Report
By Patricia Bakers
Starting a small business is challenging today because of fierce competition. Often you feel like a small fish that is being surrounded by sharks, the big companies that have resources and large bank accounts. In order for a small business to have success they need to grow by extending credit to accounts and clients. While being paid in cash is good, most global businesses don't operate in this way. Credit is a reality in today's business world and all businesses, no matter how small, have to deal with it.
So how can you determine who to extend credit to? You need to know whether you should accept the large order from a global company that wants terms of net 30 or net 60. If the company doesn't pay for any reason then financial problems can develop including bankruptcy.
Thankfully, small businesses have a powerful tool they can rely on to make important decisions. A small business credit report given through a reputable credit risk management agency can make sure you are getting the information you need in order to make a sound business decision.
How the Process Works
For example, a small customer steel fabrication manufacturer in Germany receives an order from a company in Dubai. The only way to fill the order is to expand capacity. Although, if the Dubai company goes bankrupt or doesn't pay on time then the company in Germany faces serious financial issues. In order to determine the risk involved, it is important to get a credit report on the Dubai business from a global credit risk management agency.
A small business credit report is published from raw data that comes from a number of sources. Some common sources for a report include the local chamber of commerce, banks and lenders, public financial filings, records and information from the company and creditors who can provide trade information. Often the data published in the reports includes the following:
- Business trends
- Credit utilization
- Demographics
- Management and shareholder names
- Number and frequency of trade experiences
- Outstanding loan balances
- Payment habits
- Public record information
In order to determine accuracy, all the information is crosschecked and filtered. The final report is presented in an easy-to-read format. The business is then provided a final score that is often on a scale of one to five with five being the lowest risk. Even a comprehensive report can't guarantee that a business will pay, but it can help reduce the risk of extending credit to a new company you haven't worked with before.
Today's business industry is changing rapidly and it is important to choose a credit risk management company that provides you with routine updates on the companies you are working with. The level of risk involved can increase when there is a change in management or stockholders, loan defaults or employee layoffs. You don't want to be caught off guard when a reliable account fails to make a payment. When you go with a global credit risk management company you can be sure you are getting the vital information you need in order to keep your business growing.
Patricia Bakers works for Credit Risk Manager, the small business credit report service powered by Graydon, a company with a history of more than 120 years in credit management.
Article Source: https://EzineArticles.com/expert/Patricia_Bakers/607750
http://EzineArticles.com/?The-Importance-of-a-Small-Business-Credit-Report&id=4695495
Build Your Small Business Credit
By E. Santos
Building credit for a small business is quite simple. The credit market has been paralyzed by the recent economic turmoil. Businesses that plan ahead can still build up their credit history with the credit bureaus and acquire the financing that they require.
First it is important that your business have some type of formal structure. This could be either an LLC, S-Corp, or Corporation. Being a sole-proprietor allows for unlimited liability. In addition one may be criticized for not spending a small amount of money on the business structure before going into business. Make sure to have a physical address whether it be a home office or an office building. Also register a land line phone for your business so that an account is started with the phone company.
Second begin to spend. Ideally you should be able to acquire a small loan backed by capital. When you are attempting to build small business credit you should attempt to receive the loan from a major business credit reporting agency. The major credit reporting agencies for businesses include Dunn & Bradstreet and Experian. These agencies will build the credit that you need in order to make larger purchases in the future.
There are some businesses that say that they specialize in selling references or credit histories for businesses. Do NOT purchase these. Any company that sells anything related to credit references is most likely committing fraud. The credit bureau will investigate these false credit files and will purge them from your credit history if they are discovered.
The best method to build small business credit is to first take out a small secured loan. This loan should be only one or two thousand dollars. The lending institution may or may not be willing to distribute this loan without any collateral. When you attempt to acquire small business credit try to contact the financial institution you already do your banking with. They may be more interested to work with you than a bank that you have never had an account with before.
Finally make sure that you have a written business plan. A well written business plan can allow a lender to see where you would like to take your business. Small business credit does not have grow overnight. It takes a period of time as well as a large amount of energy. A business that is successful will receive a better credit rating.
Discover The Shortcut To Getting Access To The Money You Need To Start And/Or Grow Your Business and Build a New Credit History [http://www.freebusinesscreditguide.com/]. If you've been struggling because you don't have the money and credit you need to make your business succeed, get this Free Report on the 3 Steps To Building Business Credit Fast.
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4 Ways to Effectively Manage Small Business Credit
By Shannon M. Hilson
As is the case with any type of credit, it is important to learn how to manage your small business credit card account wisely. Careful, prudent spending on your account can help your business grow and establish itself firmly in the big corporate world out there, allowing for the building of a sound financial future. In fact, building good credit for your business through such methods is absolutely critical to the survival of your establishment. However, improper or unwise use can literally run you and your business into the ground. The following steps will help ensure that you are one of the wise ones who reaps the many financial benefits that your account can offer.
1. Don't Sign Up for a Multitude of Accounts
While one or two accounts that are wisely used and paid off in a timely manner can help build wonderful business credit by leaps and bounds, too many can actually wind up having the opposite effect and lower your credit rating. A preponderance of different accounts also makes it a real bear to organize your spending and keep a clear picture of your finances in your head, especially if you choose to give employees access to your various accounts. Start with one small business credit card application, use it wisely, be prudent with your choices in regards to it, and then go from there.
2. Avoid Drawing Frequent Cash Advances
Did you know that cash advances typically incur interest and other fees at a different, higher rate than other types of spending? You can save your business a lot of money in unnecessary expenses and help preserve the integrity of your credit by severely limiting your use of the cash advance option. Take advantage of this feature only when it's critical that you obtain immediate funds via your account. Otherwise, stick to accruing all the wonderful rewards, benefits, and rebates you stand to gain through normal spending.
3. Be Religious in Regards to Your Payment Schedule
Probably the wisest decision you can make in regards to your small business credit card is to pay your bill promptly on time each and every month. Hefty late fees and the accompanying higher interest rates can really build up over time and eat away at the usefulness of your account. Spend wisely, and pay off your balance completely as often as you can. This will help you save in interest costs, greatly improve your business's credit, and guarantee that you continue to benefit from the invaluable deals and rewards your card offers you.
4. Take Advantage of Online Payment Options
The concept of paying your bills online is probably not completely new to you. It's actually more than just a convenient way to save on time and postage costs. It's a great way to save on more unnecessary processing fees. It's definitely also in your best interest to get in the habit of monitoring your account via the online account option on a regular basis as well. You'll have access to up-to-the-minute information about your account, meaning you'll always have a clear picture in your head of how much you and your employees are spending on your small business credit card account during a given period. It will also allow you to locate unauthorized charges or spending trends right away as well so that you can alert your creditor as soon as possible in order to have the situation rectified.
Filling out a small business credit card application has the potential to be the best decision you ever made in regards to your business. Treat your line of credit as a guarded privilege and use it wisely to guarantee a firm credit standing for your establishment that will make for one of the brightest business futures you can imagine.
Find the best small business credit card application [http://www.smallbusinesscreditcards.net/] online at SmallBusinessCreditCards.net. Or for gas station credit cards [http://www.gasolinecreditcards.net/] check out GasolineCreditCards.net
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