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You’ll need to establish your business before you can seek credit. Accordingly, finish the following tasks as soon as possible:  Form your corporation or your limited liability company (LLC). Get your Employer Identification Number from the IRS. Open bank accounts in your business name. Obtain a dedicated business phone line in your business name and have it listed. Start building credit early by seeking a loan from a bank. Because you have no business credit history, the loan might be small, but you need to start somewhere. Make sure the loan is in your business’ name so that it will be reported to the credit bureaus. You might need to personally guarantee a loan. This means that you agree to be personally responsible for the loan if your business cannot pay it back. Because you are a new business, some lenders will require a personal guarantee. If you have bad credit, a bank might turn you down for a loan. However, you can still seek a business loan from an online lender. Always research online lenders before signing up for a loan. Read online reviews and check whether complaints have been filed against the lender with your state's consumer protection office. Also make sure the lender reports to the national credit bureaus, because not all do.  For example, Kabbage, OnDeck, Funding Circle, Lending Club, and BlueVine report to credit bureaus.  By contrast, FundBox, SmartBiz, and Lighter Capital don’t. You can find plenty of offers online, or you may want to stop into your bank and check. Ask if they report to the credit bureaus and go with a card that does. You can also check to see if the card offers rewards or points. Only make business purchases on the business credit card. If you use a business card for personal purchases, then it looks like your business is a sham. You can lose some of the legal protections of having a corporation or LLC if you mix business and personal finances. To build credit, you need to use it. For example, don’t get a credit card and not use it. Instead, use it as soon as possible. After you’ve established a history of responsible use, ask for an increase in your credit limit. However, don't go overboard. Avoid maxing out your credit lines. Instead, focus on using only 20-30% of all available credit. You might buy supplies on credit. For example, you’ll order a bunch of widgets and your supplier will give you 60 days to pay for them. You’ll need at least three supplier accounts (also called trade lines) in order to get a Dun & Bradstreet Paydex score.  Make sure the supplier reports credit information to the national credit bureaus. You can also get accounts with big retailers, such as Staples, FedEx, UPS, and Home Depot.
Organize your business. Obtain a bank loan. Seek a loan from an online lender. Get a business credit card. Use your credit. Set up supplier accounts.