Business credit · Business loans · Real coaching
Get business credit and financing for your company
Build credit for your EIN that is not linked to your personal SSN, and unlock loans and credit lines to start and grow, even when banks say no.
- Vendor, store, and fleet credit with no personal guarantee
- Financing approvals in 72 hours or less
- Works for startups and credit challenges
A proven and tested method
Three steps to funding your business
Build credibility
Set up your business the way credit issuers and lenders expect: entity, EIN, listings, and profile, so approvals stop bouncing off red flags.
Why credibility mattersEstablish business credit
Open vendor and store accounts that report to Dun & Bradstreet, Experian, and Equifax under your EIN, and build a real business credit profile step by step.
How business credit worksAccess loans and credit lines
Use your profile to qualify for cards, credit lines, and loans, matched to your business and negotiated for the best terms available.
See loan programsThe old way vs. the Mirche way
The old way to get funding
- Apply at the bank and hope
- Constant denials with no explanation
- Every application dings your personal credit
- Personal guarantee on everything you sign
The way we do it
- Know exactly what lenders look for before you apply
- Build and leverage credit under your EIN
- Apply at the right time, in the right order
- Step-by-step software plus real coaches, in English and Spanish
Meet Justin
A decade of getting owners funded when banks said no
Justin Mirche came up through the home and mortgage industry, where his finance background made him the go-to for colleagues and clients stuck on credit problems. Today he and his team do one thing: fund businesses through credit built under the EIN, not the owner's SSN, with honest guidance in an industry that rarely offers it.
Watch
The fastest ways to build business credit, EIN only
Justin breaks down the no-personal-guarantee path on camera: which accounts approve on your EIN alone, and the exact order to build in. No fluff, just the process he walks clients through every day.
Real funding, real businesses
122 documented funding wins across the country, from $3,000 revenue advances to $600,000 in private equity financing.
Private Equity Financing
10-Year Term Loan
Private Equity Financing
Private Equity Financing ยท Prescott, AZ
Common questions
What is business credit?
Business credit is a credit profile built under your company and its EIN, separate from your personal credit and SSN. Vendors, card issuers, and lenders report your payment history to business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business. A strong profile lets your business qualify for credit lines, cards, and loans on its own.
Can I really get business credit that is not linked to my SSN?
Yes. Business credit is tied to your EIN, and many vendor accounts, store cards, and fleet cards approve based on your business profile without a personal credit check or personal guarantee. Building the profile the right way, in the right order, is what makes those approvals possible.
Do I need good personal credit to start?
No. Our Business Credit Builder program works even with personal credit challenges, because the accounts you start with report to the business bureaus and do not require a personal credit check. As your business profile grows, so does the funding you qualify for.
How fast can my business get funding?
Many of our financing programs approve and fund in 72 hours or less. Business credit building is a longer play: most clients see an established profile with real credit lines inside a few months of consistent steps.
What does the free consultation include?
A one-on-one review of your business, your current credit position, and the fastest path to the funding you need. It is a $199 value, free, with no obligation.
Talk to us before you apply anywhere
One conversation can save you months of denials. Get a free business credit and loan consultation, a $199 value, and leave with a clear next step.