QOL Corporate
Credit Builder
Get Credit for Your EIN that’s Not Linked to Your SSN
To run and build your successful business, you need to qualify for loans and credit lines at the best loan rates possible. Business credit is essential to make this happen, and it helps you access money even when you can’t qualify for a loan.
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The Quality of Life Academy Business Credit Builder helps you build your business credit (that’s not linked to your SSN) step by step using a proven, field tested, business owner approved, and highly personalized process. By using our user-friendly & intuitive software and the only full-service business credit adviser team in the industry, you’ll be guided every step of the way, simplifying your experience of obtaining business credit.
Quality of Life Experience Helps You:
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Setup your business to meet lender and credit issuer credibility standards to get automated approvals
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Setup and activate your credit profile with Dun & Bradstreet, Experian, and Equifax Commercial and get your free D-U-N-S number (which is essential to building great business credit)
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Get initial trade credit to build your business credit reports with no personal credit check
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Get business credit without a consumer credit check or personal guarantee
Quality of Life Experience helps you get your business set up the right way to meet lender and credit issuer approval requirements, and get approved for initial business credit that reports and builds your profile with Dun & Bradstreet, Experian, and Equifax Commercial.
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You can also monitor your business credit reports and scores in real-time with our Dun & Bradstreet and Experian monitoring integration, powered by Nav.
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Once you are setup with the business reporting agencies, we help you access multiple revolving credit with limits of $5,000 - $50,000!
STORE BUSINESS
CREDIT
with Dell, Apple, Walmart, Amazon, Costco, Sam’s Club, BP, Chevron, Home Depot, Lowes, Staples, Office Depot, Ikea, and with most other major retailers.
FLEET CREDIT
for fuel and auto vehicle repairs for your primary vehicle, and a fleet of commercial vehicles.
CASH CREDIT
including Visa and MasterCard accounts you can use in most locations worldwide.
AUTO VEHICLE FINANCING
to purchase or lease your primary vehicle or a fleet of vehicles, in your business name.
Types of Credit We Help You Access:
At Quality of Life Academy, we provide you the greatest access to real useable, no-personal-guarantee credit through our revolutionary Business Credit Builder. This gives you the money you need to run your business, expand, and to make your company more profitable and productive so that you have the money you need and the time to enjoy it.
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Plus we offer our own white-label partner program where you can get the ability to offer business credit and the finance suite to your customers!
Types of Credit We Help You Access:
Get Approved for HIGH-Limit Revolving Credit Cards in Your Business Name with No Personal Credit Check and No Personal Guarantee
Get Your Business Credit Profile Quickly Setup and Activated with D&B, Experian, and Equifax Commercial Saving You Time and Money
Access the Largest Supply of Business Credit Sources to Get Vendor, Store, Fleet, and Cash Credit Linked to Your EIN and Not Your SSN
Corporate Compliance Review to Ensure Your Business Exceeds Credit Issuer and Lender Credibility Standards to Get Automated Approvals
Receive Concierge Coaching and Servicing with Your Own Business Credit Advisors Who Help You Easily Navigate the Corporate Credit Building Process
Get Business Credit and Financing through Your Own Finance Suite and Enjoy the Experience in English or Spanish Working with our Bilingual Advising Team
Monitor Your Business Credit with D&B and Experian Commercial in Real Time through Credit Monitoring Integration Powered by Nav
Enjoy Our Program Risk Free with Affordable Payments and Our Iron-Clad, No Questions Asked, 30-Day Money Back Guarantee
Get The Business Loans & Credit Lines You Want and Need, When You Need Them and Even when Banks Might Say “NO.”
According to the United States Department of Revenue, the majority of business loans and credit lines that are available today don’t come from big conventional banks. Instead, most business loans now come from alternative lenders and investors.
And these alternative lenders only typically offer 1-2 limited funding programs, ruining your chances of getting a good loan and minimizing the amount of money you can secure if you don’t meet the requirements of these specific and limited types of loans.
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At Quality of Life Experience, we work with all legitimate types of funding programs available today, offering funding through hundreds of investors and lenders through a multitude of different funding programs.
Build Business Credibility
These lenders all offer their own different and unique lending requirements, so it’s tough to navigate these alone and know all your options… which is where we help.
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This gives you the best opportunity to get the most amount of financing, at the best terms.
Here are just a few of the most sought-after loan programs you can access through Quality of Life Experience:
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Unsecured Credit Lines up to $150,000 Even for Startups
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Business Revenue Lending and Cash Advances with 72 Hour Funding
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Account Receivable Loans and Credit Lines with Rates of 1% and Less
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Purchase Order Financing and Inventory Credit Lines
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Securities and 401k Financing
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Equipment Financing and Leasing for Purchase and to Refinance Existing Equipment
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Private Investor and Alternative SBA Financing
When you work with us, you’re not working with a faceless and gigantic banking organization. Right away, you’ll be assigned to your own personal Finance Officer who will work directly with you to develop your Finance Blueprint with all the funding options you can qualify for now.
And, your blueprint maps out the steps to get you even more (and perhaps even better) loans and credit lines in the future. It’s easier when you know what they want and need and how to boost your own business credit profile.
Once you choose the funding you’d like from the options that you can qualify for, our team goes into action working with lenders and investors to get you approved.
Your Finance Officer helps you get approved, negotiates rates and terms, and helps you through all aspects of the funding process until your loan proceeds are in your bank account.
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With our help, and when you know how, you can get a business loan or credit line:
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Regardless of Personal Credit Quality
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Even with No Assets to Pledge as Collateral
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Even with No Revenue
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By working with all legitimate funding sources and a wide range of loans and credit lines, we can often get you approved for multiple loan and credit line options, maximizing the amount of capital you receive.
Unsecured Business Financing
Our Unsecured Business Financing program is perfect for entrepreneurs who are just starting their business as well as those who are already well established. You can be approved for $150,000 in 0%, unsecured, no-doc, business financing with no collateral or cash flow requirements.
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This program is designed to help clients get funding based strictly on personal or business credit quality. Our lenders will not ask for financials, bank statements, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.
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This program is as close to a “no-doc” program as you can get with business funding. And the best part is that you can even be approved with introductory rates as low as 0% giving this program the best terms in the country.
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Easy Qualification Process
Our Unsecured Business Financing program is extremely popular due in part to how easy it is to get approved. To qualify lenders will look solely at your or your credit partner’s personal credit quality. They are looking for very good personal or business credit with little to no derogatory items reporting.
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Our lenders will review the credit report to ensure there are no derogatory items on the report. To be approved you shouldn’t have any open collections, late payments, tax liens, judgments, or other types of derogatory items reported.
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To qualify you should also have less than 5 inquiries on your credit report within the last 6 months. You should have established credit including open revolving accounts now reported on your credit report with balances below 30% of your limits. And lenders typically want to see personal credit scores of at least 685.
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Do You Have Credit Issues Now?
If you have good credit there is an exceptional chance you can be approved for our unsecured financing. But even if you have personal credit issues now and no established business credit, we still might be able to help.
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You can qualify for our unsecured financing program with a personal guarantor. If you have someone such as a business partner who does have good personal credit, they can apply and qualify for unsecured financing for the business.
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Our collateral-based financing programs are perfect for consumers with personal credit challenges. You can get approved with great terms and get approved even with severe credit issues. You can also qualify for financing with us if you have been open more than a year and have active cash flow for your business now.
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Our Business Credit Building Program can help you quickly establish a business credit profile and score so you can qualify for unsecured financing based on your business credit. We even work with a powerful network of credit improvement specialists who can help you repair your personal credit damage.
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Get Approved with Amazing Terms!
Most lenders charge very high interest rates on unsecured financing due to the risk of the business owner not pledging collateral for security. But most of our exclusive unsecured financing offers very low initial intro interest rates, as low as 0% for the first 6-18 months. Rates typically range from 5%+ after the intro period, the actual rate will depend on risk.
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Most unsecured lenders also charge high amounts of points ranging from 12-30%, and they also charge application fees for unsecured financing programs. But our exclusive lenders offer the lowest fees in the industry, ranging from 9-12%, and you only pay them any type of fee if you are approved and have secured your funding.
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You can get approved for as much as 8 times whatever your highest revolving credit card limit is now.
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Powerful Benefits!
0% interest is common for 6-18 months
Business credit can also be used to qualify
24-hour pre-approval
Startup business can qualify
True NO DOC financing program
Application to funding in 3 weeks or less
No application fees
Credit approvals up to $150,000 per individual
Multiple signers can be approved
No collateral requirements
Credit partners can also apply
No cash flow requirements