Get Credit That's Linked to Your EIN not Your SSN


The Business Finance Suite is the most cutting-edge and comprehensive business credit building solution in the world today. You can easily build your business credit step-by-step through a personalized and streamlined process.

Get started by ensuring you meet credit issuer approval guidelines before you apply. Get setup with Dun & Bradstreet, Experian, and Equifax quickly, and access your business credit reports and scores, even fix credit inaccuracies.

Immediately obtain vendor credit to start your business credit report and score. Next, you can secure store and fleet credit that’s linked to your EIN not your social security number with no personal credit check or personal guarantee.

We provide the greatest access to real useable, no personal guarantee credit. And you are guided through the business credit building process with your own team of Business Credit Advisors.

Plus, get the ability to offer business credit and the finance suite to your customers through our white-label partner program.

Click below for your free business-credit-consultation to learn more and get your no-cost business credit report and score.

The Leaders in Business Credit Building

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



  • Help with Setting up and Activating Your Business Credit Profile

  • Underwriting Guidelines Supplied with All Business Credit Sources to Insure Your Approval

  • Access to your Experian Smart Business Data to Track Progress in Real Time

  • Corporate Compliance Review to Insure Your Business Exceeds all Lender Credibility Standards

  • The Largest Supply of Business Credit Sources Anywhere

  • One-Click Application Access to Easily Apply and Get Approved for New Credit Without a Personal Guarantee

  • Over 25 Vendors who Approve Brand New Startup Businesses

  • Access to our Certified Concierge Business Credit Coaches who Help You Get Approved


Build Business Credibility

Almost all lenders keep their underwriting guidelines secret.  As a result, most business owners who apply for credit and financing are denied as they don’t meet some of the lenders' requirements for approval.

In step 1 we actually reveal the lenders' secret formula for approval. We go through all “credibility” points that lenders and credit issuers look at on their business funding application, and help ensure you and your clients meet or exceed their requirements for approval. By helping you meet lending requirements before you even apply, they then stand the best chance of approval.

We can assist you with filing for the proper corporation entity, setting up your business address, obtaining a phone number, fax number, and toll-free number. We also assist you in setting up your email address, website, and ensuring you have the proper licensing, and more.

You'll navigate through all Finance Suite steps in a seamless, and completely customized user experience. You'll only be exposed to information that's pertinent to your unique situation, saving you time and getting you fast results. And, each step is complete with videos and resources to help you along the way.

As you complete step 1 you'll finally know that you have a credible business that lenders will be excited to lend to. So now it'll be easier than ever before to get approved for business credit and business loans.

Establish Your Business Credit Reports

In step 2 of your business credit building process, we help you get setup with the three major business credit reporting agencies, Dun & Bradstreet, Experian, and Equifax Commercial.

In this step we help you search your company information with each reporting agency to see if your company already has reports that exist with each source. If you are setup, you'll then have an opportunity to review your business details for accuracy. If your company isn't yet setup with any or all of the reporting agencies, you can get setup with each in this step of the suite.

Plus, you'll even be able to obtain your free D-U-N-S number directly from Dun & Bradstreet as part of the initial setup with them. And you'll gain access to your Experian Smart Business information to see if you have a file with them, how many accounts you have reported now if you have a credit score or a profile plus established with Experian.

Everything you need to know from Experian to build business credit is supplied through this Smart Business access, and you can monitor your credit building in real-time with this feature. Plus, the Finance Suite is one of the only places in the world that you can access this information at no additional cost to you.

And you’ll get access to details and training on how accounts report with each reporting agency. This way you’ll know what type of items report to the business credit reporting agencies and get specifics on how they report. And as you build your business credit you’ll know what to expect from your creditors and the reporting agencies themselves, so there won’t be any unwanted surprises on your business reports as they grow.

Get Approved for Initial Business Credit

In step 3 you get approved for new credit in your business name that reports to Dun & Bradstreet, Experian, and Equifax. This is business credit that reports only to the business credit reporting agencies, not the consumer credit bureaus.

Most of this credit can be obtained with no personal credit check, and with no personal guarantee required from you, eliminating your personal liability. And in establishing credit for your EIN, you’re completely separating your personal and business credit.

In this step, you'll get approved for Net 30 Vendor credit accounts. These are stores like Uline, Quill, and others who will give you initial credit even when you have no other credit reporting. They’ll approve you even as a startup business, and without needing to see your personal credit for approval.

You'll be able to get immediately approved as you begin this step for real useable credit. This means you can get credit that will help you grow, while building your business credit profile and score at the same time. And limits on these starter accounts typically range from $250-$2,500.

This new credit reports as payment experiences on your business profile, typically within 60 days. Once reported, you'll then have your EIN business credit profile established, and you'll be issued business credit scores. This newly established profile and score will then be used in future steps to obtain revolving store and fleet credit for your company.

Monitor Your Business Credit Reports

As you start to obtain new credit, you'll want to see these new accounts reporting on your business credit profiles. You'll also want to see your business credit scores as they are established and change based on your newly established payment history.

As you build your business credit your ability to get certain accounts is based on how many accounts you have reported to the business credit reporting agencies. So knowing when your new accounts report is essential to your business credit building success.

In this step we help you get business credit monitoring setup with Dun & Bradstreet, Experian, and Equifax. This way you can monitor your reports in real time and quickly move through the business credit building process. And, you can also see what lenders and others see on your reports as well.

You’ll also have access to training on how to read and navigate your business credit reports and scores. Business reports have as many as 5 scores on each report, and many other types of accounts that don’t report on consumer reports. So this training is important to know how to properly navigate your reports, review your trade lines, and to help you maintain and sustain excellent business credit reports and scores.

Get Approved for Store Business Credit Accounts

After your initial credit, you obtained in step 3, reports to the business credit reporting agencies, you'll then be able to start obtaining credit at major retailers. These are the same stores you probably do business with now. But with your newly established business credit profile and score the credit you'll get in this step reports only to the business reporting agencies linked to your EIN, not your SSN.

In this step, you'll be able to obtain Net 30 and even revolving store credit with retailers such as Tiger Direct, Amazon, Staples, Lowes, AutoZone, Macys, Conoco, Exxon, and many more. Your approvals will be based on your EIN business credit, so you can get approved without even supplying your social security number on the credit application.

Limits on these types of business accounts are typically 10-100 times higher than you'll find with consumer credit per SBA. You'll commonly see approval limits of $3,000 and higher. From starting your business credit building process to get to this stage where you can obtain high-limit store accounts usually takes only 60 days or less.

And this credit is not based on your personal credit nor will it report to the consumer reporting agencies.  So you can use this credit to build your business with absolutely no adverse effect to your personal credit reports and scores.

You can get approved immediately upon applying. And your new credit will report to the business reporting agencies within 60 days on average. Once reported you’ll then have even more payment experiences reported paving the way for you to start getting even higher limit revolving store accounts in step 6.

Obtain High Limit Store Revolving Credit Cards

In Step 6 you’ll get access to even more high-limit store credit cards. These cards are all revolving accounts. This means you’ll only need to pay a minimum payment each month on what you charge instead of paying off the entire balance at the end of the month.

You can obtain revolving credit at stores including Best Buy, Shell, Tractor Supply, Walmart, Dell, Sears, BP, Chevron, and many more. At this point in your business credit building process, most major retailers will start giving you credit based on your EIN credit quality, and without a personal credit check or guarantee.

Limits on your new revolving accounts in this step are commonly $5,000 and higher, and many sources will approve you for limits of $10,000 and higher. And your approvals won’t require your social security number to be supplied on the application in most cases.

And in this step like steps 3, 5, and 7, you’ll get access to all of the information you’ll need to get approved. This includes details on the products and services the retailer offers, their actual underwriting guidelines so you’ll know you can get approved before you even apply, videos walking you through the approval process, and be able to apply with one click. 

You can reach this point in the business credit building process often in 90 days or less and be able to get access to high-limit, revolving, store credit with most major retailers that’s linked to your EIN not your social security number.

Secure Even More Funding for Your Business

Step 7 is the final step in your business credit building process and requires only 120 days or so to get to. At this point, you'll have over 14 reported accounts on your EIN credit profile. As long as you've continued to pay your bills on time, you'll also have very high business credit scores.

You’ll be able to obtain credit at most major retailers using your EIN credit only to apply. And you’ll start getting approved for even higher limit revolving fleet credit accounts you can use for multiple purposes and at many different locations.

In this step, you'll be able to secure a Global-Fleet MasterCard, BP Business Fleet MasterCard, Chevron Universal MasterCard, Home Depot Commercial Card, Sam's Club Business revolving card, Universal Fleet cards, and more.

Credit issuers often will approve you with limits well above $10,000 in this step. And this credit is linked to your EIN credit report, so no credit check or personal guarantee is required for approval in most cases. 

At this point you'll have very well-established business credit. This will give you a much better chance of getting approved for business loans and credit lines, especially with conventional banks. And the terms you receive on business loans will be lower because your risk is lower due to your positive and well-established business credit profile and score.

As your business continues to grow, you'll now be able to continue to apply for more and more credit at higher and higher limits. And the higher the limits you obtain, the easier it is for you to get higher limit loans and credit lines as well.