SoCal Trucks for Your Business. http://BusinessCreditAmerica.com !-888-821-6408x2

It's a big community for Socal Truck lovers more than one could even imagine.  I'm a southern boy, born and raised in Arkansas, so you can imagine the shock I had got, when I moved to Southern California and seen all these amazing trucks instead of Lamborghini's and Porches.

Now in Arkansas, people love their trucks more than their dogs, but here in Socal, people love their trucks more than their spouse.  This Socal Truck Community spends a lot of money to make sure they have some of the best looking vehicles on the road.  Imagine pulling up beside a Chevy S-10, sitting 8ft high.

They have a lot of even for Socal Trucks and I guess the payout is pretty darn good too.  I have had the experience to see these guys in action fixing on these trucks and many of these guys have went from hobby to full time businesses.

I think it's awesome to see this community take a hobby and turn it into a business.  They say you never get tired of doing what you love and the way these guys spend money on their trucks. I can see it's an endless enjoyment and passion. 

Feeling Broke After Just Been Paid! http://BusinessCreditAmerica.com 1-888-821-6408x2

Are You Feeling Broke After You Just been Paid?  I hate this feeling.  If you're like me, a hard worker that would like to just for a moment feel like your hard work has paid off.  Then you may consider starting your own #business.

I worked for other people over 25 years and for every time I got a raise, I just ended of paying more taxes to the Government.  One day, I got curios and asked my employer at that time, why, he pays less taxes in me.  He told me, as a business owner the government allows him to pay all his bills first then the remaining income is what he's taxed on.

Now with this information, I just new I needed to be a business owner, if I wanted to get a head and pay less in taxes.  I went online to learn about How to start a business and came across this business website called Business Credit America, that offer Free business training.  This was a very good place to start for entrepreneurs, like myself.

This website gave a newbie like me a lot of helpful information about starting a business from scratch.  A few of the things I've learned.

• What business entity I should choose?
• How to pick a good Sic Code or Naics Code the banks like to lend money too?
• How to order your ein number/Tax Id number?
• Who is Dun and Bradstreet?

Like, I said, this site was very informative for people like myself looking to start their own business.

Business Credit And Asset Protection For Entrepreneurs, Business Owners, Online Marketers, and Internet Marketers http://BusinessCreditAmerica.com 1-888-821-6408x2

Business Credit And Asset Protection Are Overlooked By Many Entrepreneur, Business Owner, Online Marketers, and Internet Marketer.  These subjects are very necessary due to the fact people are starting out in business using their personal credit. 

http://www.businesscreditamerica.com/

When you use your personal credit to start the business, you Debt to Income increase and it leaves you very little room to access money to grow your business.  As a result of that, many people end up failing in business. 

Another subject, many people overlook is asset protection, meaning properly structuring your business under the right entity, so you can have full protection.  We as Entrepreneurs, Business Owners, and Internet Marketers get so excited about starting the business, we forget to protect ourselves.  I guess, we feel no one would want to SUE me, I'm just a Little Fish in a Big Pond.

In a tough economy like this everybody is trying to get rich quick and the best way they see that happening is SUING someone that they think has money, not caring they are hurting someone financially and possibly ruining their lively hood.

People are using Legal Zoom to get basic protection, but this company need is not communicating with you directly to answer any questions you may have, more like NOT.  If you want TRUE asset protection and help in building your Business Credit, Check out the Free Business Credit forum at

http://BusinessCreditAmerica.com. 

Learn Step By Step who you show be doing business with to build your business credit and how you should be structured to get the maximum Asset Protection from the training and Resounces of Business Credit America.

Why is business credit more useful than personal credit ? http://BusinessCreditAmerica.com 1-888-821-6408x2

Why is business credit more useful than personal credit ?

Actually that is not really a valid question. It is like comparing apples and oranges. In my opinion both serve a different purpose and hence have their own place in securing your financing. Personal credit is based on an individuals credit worthiness and business credit on the businesses credit worthiness (ideally speaking).

Here are some interesting facts:

Business credit has a lot more potential than personal credit. A business (if set up properly) can end up getting much more credit than personal credit and that is just the tip of the ice-berg. A case in point, you can have a number of corporations set up simultaneously. Remember that you can only have one SS# but you can have a number of businesses (Tax ID numbers).

Here is a scenario that will get your creative juices flowing:

Lets say if you have just two corporations and you end up with $65,000.00 available credit on one corporation and about $70,000.00 credit on the other corporation. Now you can withdraw $60,000.00 from the credit of anyone of the corps. When it comes time to pay off the $60,000.00 you can use the credit of the other corp. In effect you have repaid the loan BUT still have full use of the initially borrowed $60,000.00. The debt was simply transferred from one corporation to another. You can actually keep this up for as long as necessary to repay the original amount. In reality it actually gets easier since this process (if done correctly of course) will only strengthen the credits of both corps. That in turn will result in more and more financing available for both corps.

Now, whether you use the $60,000.00 cash wisely or not is a completely different topic. Ideally I would like you to invest it in some kind of income producing asset.
At this point you might have 100 questions regarding this scenario. What are the borrowing terms , are these cash lines of credit, what is the interest rate on the loan, do I show my tax returns, how are the funds released, how are the two corporations linked etc etc. How on Gods green earth do I get the lines of credit in the first place. Of course the devil is in the details.

This is just one of the ways that large corporations get access to almost unlimited financing and in most cases cash financing. I can assure you that this can be done by almost anyone even with limited cash. Some intelligence, hard work and a good working knowledge of the different components of business credit will get you there sooner than you think, even in this economy. How far you want to take it is really up to you.

Corporate Business Credit provides many different benefits: Asset protection, revolving lines of cash credit etc. Most of these aspects are crucial in your steps towards financial independence. You might not want to become a multi millionaire but having the ability to use the benefits that business credit provides will get you to your financial goals faster and I believe with less headaches/risk.
To become financially independent you HAVE TO use the power of CORPORATION. That is what our country is build on and that is exactly what the rich use to stay rich and get even richer.
That really is the art of business credit.

http://BusinessCreditAmerica.com

7 SIMPLE STEPS TO SECURING BUSINESS CREDIT CARDS AND GAS CREDIT CARDS WITH OUT A PERSONAL GUARANTEE http://BusinessCreditAmerica.com 1-888-821-6408x2

In a tight economy everyone is looking for funding for their business, but before you sign up for that business credit card, you may want to learn the proper steps to get that credit card without a personal guarantee.  Yes, it’s true; you can get credit without a personal guarantee. 

Although, there are tighter regulations in place for financial institutions, that does not mean they will not lend you money for your business.  You, the business owner, just have to show that your business credit file is strong enough to convince the financial institutions your business is capable of funding without a personal guarantee.  I’m going to walk you through the step by step process all the way to the bank.

A Strong Business Credit File Beats a Personal Guarantee Any Day

First step:  Financial Institutions love a strong SIC (Standard Industrial Classification) Code OR NAICS (North American Industry Classification System Codes).  The top lendable code are the following industries, agriculture, retail, wholesale, and manufacturing, so if your business falls under one of these categories your in pretty good shape.  That does not mean that other business cannot get funding,  but these are the financial institutions favorites.  If you don’t know your SIC or NAICS Codes then go to Google and type the type of industry you’re in and Google will help you find it.  Now that your SIC Code let’s move on to step two.

Second step:  Your EIN/Tax ID NUMBER should be order over the phone instead of online.  The reason behind this is because your business goes into a more viable data base.  These is a very crucial step for your business, but if you already have an EIN/TAX ID NUMBER that does not mean you out of the game.

Moving Forward.

Third step:  Financial Institutions are very favorable to C-Corporations, especially when it comes to seeing if the business is lendable.  Many people have this notion that they can acquire business credit with a LLC, you can, and however, you the business owner would still be held liable.  The C-Corporation is its own separate entity and that’s how the financial institutions look at it.

Moving Forward.

Fourth step:  When acquiring your Dun and Bradstreet Number (DandB#), use their CCR Government Registration forms to get your number FREE and within 48hrs.  If you already have a Dun and Bradstreet Number that’s great, you ahead of many other business owners.

Moving Forward.

Fifth Step:  Once you have secured your Dun and Bradstreet number, you need to submit your business Quarterly Projected Financials to Dun and Bradstreet.  This is another vital step in building a strong business credit file.  By submitting your projected financials, this allows Dun and Bradstreet to help create a credit rating for your business.

Moving Forward.

Sixth Step:  You’re on your way to securing business credit cards without a personal guarantee.  Many people miss out on this step without realizing this is how financial institutions look at you as a business. Filing a Ucc-1(Uniform Commercial Code) financing statement in other words a lien on you business.  The purpose of this is to show that the business was lent money, equipment, furniture and a vehicle to get the business running and when the business started showing profits it paid back its lenders.  You should do this every time you start a business.

Moving Forward.

Seventh Step:  Now you’ve completed the majority of the business credit file, you can start requesting credit from your Net Vendors ( net15’s, net20’s, and net30’s) such as http://vipelectronicscenter.com/,  http://www.tradesmartproducts.com/index.html, http://sharedaluv.com, http://www.azsnacks.net/, . http://ucc-1credit.com/, https://www.stntsol.com/,   You’ll need at least 6 to 9 net vendors on your business credit file in order for it to be strong.  Three to five of these vendors help create a Paydex score for your business; although it does not mean as much as a business credit rating, you still want it to be above 80.  These trade vendors will show up on your Dun and Bradstreet Business file, as well as on your Equifax and Experian credit file.

Once you have completed these steps you can start applying for business credit cards as well as gas credit cards without a personal guarantee.  If you looking to find a website that gives you the criteria of what you need for each credit card, you should check out the Free Business Credit Forum at http://www.businesscreditamerica.com/index.html

 

How to get Business Credit Cards Without a Personal Guarantee? http://BusinessCreditAmerica.com 1-888-821-6408x2

How to get a Business Credit Card with out a Personal Guarantee is a step by step process.  First you have to see what business is more favorable to banks, which is called SIC CODE.  Once you know and understand this step then you can continue on with the proper step to get business credit cards.
 http://www.businesscreditamerica.com/services.html

Here are the necessary steps to get a Business Credit Card with out a Personal Guarantee.

1. Know you Sic Code for what type of business your looking to Start.
2. Call and get your EIN#/TAX ID# over the phone not online and please make sure you use Incorporated at the end of your company name.
3. Incorporate your business to a C-Corporation Banks love this entity.
4. Get your Dun and Bradstreet Number from their website. DandB.com.  You want the number thru the CCR Government program. This way you get the number for Free and within 48hrs instead of 30 days.
5. You need to have Projected Financials submitted to Dun and Bradstreet in order to a Clear complete file this is very important.
6. You need to file Ucc-1 lien against your business for the money and equipment, you invest in the business to get it started.  This is very important to creditors.
7. Once these steps are completed then you need at least 6 to 9 Net30 Accounts such as http://www.sharedaluv.com/, http://vipelectronicscenter.com/, http://www.tradesmartproducts.com/index.html, http://www.azsnacks.net/, http://ucc-1credit.com/, https://www.stntsol.com/,  Grainger, Uline, Seton, nebs, deluxe and so on.  Remember Dun and Bradstreet does not report your credit limits,  they report the amount  you spend on purchase, so the more you spend on products the better the tradeline looks on your business credit file.

If you follow this step by step, you're guaranteed to get Business Credit cards with out a Personal Guarantee.http://www.businesscreditamerica.com/services.html