🚀 The Strategic Way to Use Credit for Growth, Not Survival

CREDIT USED WISELY
Small Business Credit Talk!

Credit isn't just for emergencies. Used wisely, it can unlock the funding you need to grow, buy inventory, scale ads, and smooth cash flow during those tough times.

But most small business owners either ignore it or misuse it. Let’s change that!

GET MOVING ON CREDIT, NOW!
Smart Credit Moves

Here are four smart credit moves to boost your business buying power:

1. Open a Dedicated Business Credit Card (Early)

• Apply with your EIN, not just your SSN, to start separating business and personal credit. These should always be separated.

• Look for 0% intro APR cards to make large purchases with no interest (up to 12–18 months). There’s a lot of options out there!

• Pick cards with cash back or rewards on categories like ads, software, or inventory. I personally have found value with Capital One to get my SMB running.

2. Build Your Business Credit Profile (Even If You're Small)

• Set up your business properly: LLC, EIN, business bank account, and a D-U-N-S number.

• Start reporting with vendors like Uline, Quill, or Nav—these tradelines build history.

• Pay early and often, but when it makes sense. Even $50 orders can improve your score if reported to bureaus like Experian Business or Dun & Bradstreet.

3. Monitor and Grow Your Business Credit Score

• Use tools like Nav, CreditStrong, or Tillful to track and improve your score.

• A higher business score can unlock better loan terms and higher vendor credit limits.

• Keep utilization under 30% and avoid late payments. Business credit is more sensitive to both.

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4. Use Credit Strategically—Not Desperately

• Plan credit usage around profit-generating activities: ads with a proven ROAS, high-demand inventory, or early-bird event fees.

• Don’t use credit to cover chronic shortfalls—that’s a sign of deeper cash flow issues.

• Combine with automation: pay off cards with revenue every 7–10 days to keep balances low.

Using credit doesn't make you risky. It makes you resourceful when done right.

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