Question and Answer

You can share business credit and funding programs on BCA Culture with your audience through customized linking tools. This allows you to earn money on qualifying purchases and customer actions like signing up.

Yes, all the vendors in our software report business credit. While there are over 3,000 business credit vendors, not all of them report. We only have included in our software vendors who report so that you can build your business credit profile much faster.

You can qualify for usable vendor credit immediately. Then you'll begin to qualify for store credit within 60 days. Qualifying doesn't require a personal credit check or personal guarantee.

Within six months, you should have access to $50,000 in real usable credit, including Visa and Mastercard cash accounts. From there, you can continue to build, reaching $100,000 to $250,000 or higher in business credit within two years.

It typically takes about four to six months to establish a strong profile with business credit scores of eighty or above. It all depends on how well you stick to the system instructions and use the information you receive from your strategy call with BCA Culture, use your new business credit accounts, and pay your bills at least ten days early.

Our system is robust and includes:

  • Reporting your monthly payment to BCA Culture as a payment tradeline to Equifax and CreditSafe.
  • Funding Readiness Reports that focus on how a lender will see your company today and provide recommendations you'll need to get your business funding ready.
  • Lender compliance: making your business low risk to lenders.
  • Credit optimization: building strong business and credit scores.
  • Credit building: selecting from credit vendors to build business credit history and reporting tradelines fast.
  • Funding access: pre-qualifying for any business funding programs available with our funding partners.
  • Govemment & Local Contract and Grant Readiness: registration, documentation review, custom business plans, and other required steps necessary to be awarded.
  • Application assistance with funding applications to improve your approval chances and maximize funding.
  • Online Ranking's improvement: increasing SEO, social media, star ratings, local and listings.
  • Maximizing value: increasing business profits to allow your business to grow and scale and appear attractive and valuable to potential investors.

Simply complete the Whitelabel Intake Form, and our team will contact you for a demo. We pay up to 20% commission to Affiliates, while Whitelabel packages are custom-made based on the Intake Form.

The general rule of thumb for building excellent business credit scores in the shortest period includes having:

  • One installment loan, such as a business term loan, equipment lease, or SBA loan
  • Three business credit cards
  • Five vendor lines of credit

Yes, it is possible. However, this is a goal that does not happen overnight. The vendors in our software are corporate/ElN only options. Many of the funding programs are business only. But unsecured lines of credit for banks or credit unions must be personally guaranteed, or the company itself will need to be financially strong.

This typically means that the business has been in operation for at least two years, has at least $5,000 in monthly revenue, has a minimum of ten reporting business credit tradelines, as well as a low five or above bank rating and business credit scores of eighty or more.

Funding can be accessed immediately for vendor lines of credit. Cash and unsecured lines of credit will require building strong business credit scores and having a business with consistent revenue.

Our assessment report uses data technology to scan about 200 data points on your business for all things lender compliance, business credit, SEO, social media, star ratings, backlinks, local listings, map placements, legal filings, watchlists, and the business owners. It reveals how lenders and anyone researching your company will see. You'll discover what you're doing well and what needs to be improved to secure funding. You'll also receive recommendations to improve your business data for optimal funding options.

It's best to build business credit meeting the following criteria. Your business should:

  • be at least 60 days old;
  • have a steady stream of revenue;
  • have a business EIN.

These are the minimum requirements. Otherwise, you can use your personal credit to access funding.

We are a one-stop shop for funding readiness. We offer:

  • free guides, articles, videos, and webinars to help you gain knowledge for getting business credit on your own. This saves you time, eliminates guesswork, and stays updated with funding trends.
  • a system that includes services like 411 listings, business credit monitoring, and a business credit builder. Others would require separate payment for these services.
  • help in finding vendors and lenders and offer access to many more funding options.
  • an extensive database of funding partners and connections.

YES, we do! Our Done For You Program includes:

  1. Business Verification (Foundation Steps & Business Strategy)
  2. Business Credit Profile Build Out with Reporting Vendors to 80 PAYDEX Score
  3. Business Fully Set Up and ready for Business Grants and Contracts.
  4. Coaching Program: Updates and 1-on-1 Coaching Calls for Business Credit Tracking Strategy and Funding Gameplan
  5. Be positioned for up to $150,000 in Business Funding

The DFY Program is best for small and medium business owners with:

  • 720+ Credit Score
  • At least 6 Months in Business
  • Revenue: $5,000+ monthly

Steps to Establishing Business Credit

  1. Secure an employer identification number (EIN).
  2. Get a separate phone number and address for your business.
  3. Register a D-U-N-S Number with Dun & Bradstreet (D&B).
  4. Begin establishing a business history.
  5. Apply for a business credit card.
  6. Monitor your company credit.

Why is my business not showing on Experian?

If a supplier you deal with isn't listed on your business credit report, it's most likely because the supplier doesn't report your business payment history to Experian. Your business payment history is one of the factors upon which your business credit and score are based.