Frequently Asked Questions...
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BCA Culture offers both services to our clients. Our credit building software includes business coaching. It's data-driven and integrates education and consulting for every individual business.

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:
  • Business assessments focusing 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 personal credit scores.
  • Credit building: selecting from credit reporting vendors to build business credit history & reporting tradelines fast.
  • Funding access: pre-qualifying for any business funding programs available with our funding partners.
  • Government & 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. Continue here.
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, it is a goal and not an overnight thing. The vendors in our software are corporate/EIN 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.
Many 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 Funding Readiness Report uses data technology to scan about 150+ 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.
Based on experience, 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.

Between our free guides, articles, videos, and webinars, you gain enough knowledge to get business credit all on your own. We save you time, eliminate guesswork, and stay updated with funding trends. We don't hold anything back when it comes to sharing knowledge because, at the core of our company, we want to help as many business owners as possible have an equal opportunity to succeed and thrive.

With that being said, there are services that you will have to pay for separately, like 411 listings, business credit monitoring, and a business credit builder so you're reporting to the proper agencies. You also have to find vendors and lenders on your own, limiting your access to the available funding. In our system, these services are all inclusive. We help you do all of this and offer access to many more funding options. Thanks to our extensive database of funding partners and connections, we are also the first to know about funding opportunities. So, we are a one-stop-shop for funding readiness.

No, our automated software pushes you through the program with our Business Funding Advisors. BCA Culture offers simple educational videos and direct resource links so that your business credit-building journey is an easy decision and simple. On the rare occasion that you need guidance, our business credit advisors are here to help!

As long as you're committed to following the steps and recommendations and are serious about the success of your business, you can do this! It's possible, even if you're technically challenged. It's important to understand that we DO NOT build your business credit FOR YOU. We help you through simple step-by-step instructions and education. Essentially, follow our instructions, and you'll get results.

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