PRIORITY HIGH: BUSINESS CREDIT PROFILE

DUN AND BRADSTREET CREDIT PROFILE

Without a D&B report and profile you will not get any kind of funding or grant. If you have a D&B report and profile make certain you have a PAYDEX score of 80, and make sure the information in it is all correct.

DO NOT  provide D&B with financials if you have them because you will be showing your competitors your personal info and if next years’ financials are not better, your scores will drop.  Loans Grants Vip Guide credit scoreYour overall rating should be  – – otherwise known as blank, blank.  If none of this makes sense to you, go to the sponsors provided on this page, companies that can help you build your own reports and guides on how to do it yourself without spending a fortune, but if you don’t have this, you will not be able to get any type of funding. The process of getting a profile built can take up to 30 business days so start on that right now!

PRIORITY HIGH: PERSONAL CREDIT

If you recall we said the loan or grant or both that you are going for does not require a personal guarantee.  That is true.  No personal guarantees will be required, but the lender and the grant office has to check you out to make sure you are who you say you are and that you have your personal credit affairs in order.

PRIORITY MEDIUM BUSINESS CREDIT

Banks and the Government like to see some form of financial responsibility and history behind a company regardless of how big or small your company may be.  If you’re company is relatively new (less than 3 years) this step should not be ignored.  If your business currently has existing credit or needs greater credit to build its portfolio the resources below can help guide you in the right direction rather quickly.

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