BUSINESS CREDIT AND FINANCIAL SOLUTIONS FOR SMALL BUSINESS

Learn about our company and our team

DISCOVER THE SECRET TO BUILDING CREDIT FOR YOUR BUSINESS THAT IS NOT LINKED TO YOUR SSN


Hello my name is Brian K Howard, professional speaker, author, and business credit consultant.

I’m not sure how you got here if you read one of my books, heard me on the radio, found me online, but however you got here I’m glad you made it because you are about to discover exactly how you can successfully build business credit for your company.

Just as you have a credit report personally that’s linked to your social security number (SSN) a business also has its own credit profile that’s linked to its employer identification number (EIN). If you are thinking about starting a business or own one now YOU can start getting business credit in your company name securing your financial future.

OUR CREDIT REPAIR BENEFITS

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Why are We Different?

Our number one priority to our customers is to help them get back their financial life. We do this through constant education on the process of raising your credit score, rebuilding credit, debt settlement when needed, and dealing with debt collectors. We believe that education is the key to restoring your credit.
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Why we are here?

We are here to assist you with getting the things you want in life. Navigating the credit repair maze can be very challenging if you are not aware of all the laws that regulate collectors, creditors, and credit bureaus. Our job is to take that heavy burden off your shoulders and do all the work for you so you can get approved again.

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Experience

When it comes to dealing with creditors, collectors, and credit bureaus, you need experience in this area to get the best results. We have the expertise that you need to deal with any situation presented by the creditors, collectors, and credit bureaus.
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Creditor and Collector disputes

To get the best results, you have to go beyond the credit bureaus as they are just one piece of the puzzle. The laws allow you to dispute directly with the creditors and the collection agencies to get inaccurate information removed from your credit reports. Because of this, we provide direct disputes with creditors and collectors for no additional charge.

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No-Hassle Cancellation Policy

Want to cancel your service? No problem. There is no yearly or monthly contract with our credit repair programs. All services are month to month, and you can cancel at any time. Just call or email us and we will be happy to cancel your service.
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No-Risk Refund Policy

We believe in complete satisfaction, and that is why we have a no-risk refund policy. If for some reason, you are not happy with the prior months service, we will refund your money back.

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Support

As you know, customer support is very important to any customer. We pride ourselves with the top of the line customer service. If you need anything, you can reach us by phone or by email. If you are contacting us by email, please allow 24 hours for a response.
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Free consultation

We want to make sure that you are happy with our services before coming on board with the full program, so will offer you a free credit evaluation with no strings attached.

The Leaders in Business Credit Building

BKH Credit Group is the industry leader in providing step-by-step business credit solutions

BKH CREDIT DEMO

FREQUENTLY ASKED QUESTIONS

  • How long does the business credit building process take?

    You will receive a user name and password via email to use when accessing your business credit building system.

    It takes approximately 60-180 days to build a favorable profile with all three major business credit reporting agencies. With our step-by-step system what normally takes years to accomplish you can do in a matter of months.  With strong business credit scores you can obtain 10 to 100 time’s greater credit capacity compared to relying on personal credit alone.

  • What type of vendors and retail credit sources will be available once I have access?

    Our database contains numerous vendors and retailers that will offer lines or credit to all our members whether they are a start-up or existing business. Most importantly we provide the guidelines for getting approved and disclose which business credit reporting agency each vendor and retailer reports to.

    Some of the types of vendors we list are office suppliers, packaging and shipping, graphic and logo design, web design, computers and electronics, printing and promotional, marketing and advertising, business services, etc.

  • Can I obtain business credit without supplying a personal guarantee?

    Yes, our database lists unsecured lines of credit you can obtain with no personal guarantor which in most cases will be in the form of vendor credit such as fleet cards, office supply cards, gas cards, etc. Unsecured business cash lines of credit in the form of business credit cards require a personal guarantor but the high limit cards we issue only report to the business credit agencies.

  • Do I need a business entity to build business credit?

    It is ideal to build business credit with an LLC or Corporation (S or C Corp). Creditors, lenders, trade suppliers, etc. prefer to see an actual business entity.

    Furthermore, your personal and business credit can never truly be separated if you operate as a sole proprietorship or partnership – everything you do remains “personal” with those structures.

    True personal and business credit separation along with liability protection can only occur with a separate legal entity such as a corporation or LLC.

  • Can I get business credit even if I have bad personal credit?

    Absolutely! We know that one of the main reasons you are building business credit is to get away from having all of the business financing tied personally to you as a business owner.

    By building strong business credit scores you will be able to secure vendor lines of credit and many other types of business financing using only your business credit. However, beyond that, there is still more to the equation that many business credit building services don’t want to talk about.

    In the business world, an owner’s personal credit scores can make the difference. That is why we have a personal credit restoration service built right within the system. The fact is in the current lending and credit markets, banks and conventional business lenders are looking at both personal and business credit.

  • Does business credit even really exist?

    Just as you have a credit file linked to your SSN, your business has a profile linked to its EIN. Experian, Equifax, and Dun & Bradstreet often start your profile when your business applies for a loan, credit card, or even when you setup basic utilities.

    From that point most credit you apply for won’t report to the business reporting agencies unless you apply for different types of credit in a particular order, or leave your SSN off of the application.

    Real business credit can be obtained with no SSN being supplied upon application. This credit doesn’t appear on your personal credit reports either. As you build your business credit your EIN profile and score then becomes essential to helping you qualify for bank loans and credit cards. And you can use EIN credit and EIN credit alone to get approved for many types of credit without a personal guarantee.

    Every highly-successful privately and publicly owned company in the United States has business credit. But what many don’t know is that even startups can also obtain it… if you follow the right steps.

  • How does building business credit really work?

    The first step is to ensure your business is setup credibly so you meet credit issuer and lender standards, before you apply. Next you get real useable credit through vendors. These vendors will give you credit when you have no other EIN credit established. And they report this credit to the business reporting agencies.

    Within 60 days or less that credit is reported to Experian, Equifax, or Dun & Bradstreet. Once reported, your EIN will then have an established credit report and score.

    Using that report and score you can then continue to apply for more tiers of credit where you can start getting access to revolving credit at most stores, credit that’s linked to your EIN and not your SSN and credit that doesn’t require a personal guarantee or personal credit check for approval.

    You can continue to grow your credit to obtain fleet cards, even Visa and MasterCard cash credit. And by having business credit established you’ll have a much better chance of getting loans, credit lines, and get these at better terms.

BKH CREDIT GROUP FEATURES & BENEFITS