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WHO WE ARE
Dedicated to excellence and service.
Our mission is to empower entrepreneurs to achieve their biggest business goals with proper funding. We help business owners find the credit, capital, and support needed to establish and grow a thriving business.
Get access to up to $150k in business credit lines, Traditional Financing such as SBA Financing, and the widest selection of Alternative Business Lending products. Plus we empower your growth with coaching, motivation and accountability, and a community of like-minded business owners. We go beyond just financing – we give you the tools and support needed to take your business to the next level. Let’s work together to fund your dreams a reality.
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Dedicated to Finding You The Best Funding
Get the expert guidance you need to find the best funding option for your growing business. Let’s create the perfect funding plan to get your business the money it needs to grow!
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5 Factors That Affect Your Business Credit
1. Payment History
Your payment history is a critical component of your business credit profile. This factor influences your D&B PAYDEX score, which vendors and lenders will review. A solid payment history can help build trust and improve your creditworthiness. Ensuring that you pay your bills on time and managing your debt responsibly will reflect positively in your credit score.
2. Blanket UCC Filings
The order in which loans are secured and the type of UCC (Uniform Commercial Code) filings made by lenders can significantly affect your credit. A blanket UCC filing gives a lender a claim on all of your business assets, which takes precedence over other claims. If you plan to secure additional financing in the future, it's important to be strategic with UCC filings to prevent locking up too many assets. Consider negotiating specific exclusions or securing loans in a careful sequence.
3. Company Financials
Keeping your financials updated in your credit report is essential. If your financials are outdated or inaccurate, it could harm your ability to secure funding. Lenders often use this data to assess the health of your business, so make sure your financials reflect the current state of your company. Regular updates help improve your business's credibility and the chances of receiving a loan.
4. Company Legal Structure
The legal structure of your business can influence your access to credit. LLCs and corporations are viewed more favorably by lenders compared to sole proprietorships or partnerships. These structures provide limited liability protection and appear more stable to lenders. If your business is not incorporated, it may be a wise decision to do so to improve your creditworthiness.
5. Other Factors
Other aspects like the amount of debt you already have, the level of your personal investment in the business, and even your personal credit score can influence your ability to secure a loan. Having a well-rounded financial profile, both business and personal, can improve your chances of getting approval for credit.
By managing these factors well, you can enhance your business credit and increase your likelihood of obtaining the financing you need. The goal is to present a solid, stable financial picture to lenders, making you a lower-risk borrower.
To learn more about building business credit and acquiring funding, visit www.serenityfinancials.com.
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Testimonials
Real results from business owners just like you
Cheryl Reisner, a former bank lender from Shreveport, Louisiana. The suite’s business credit building process unlocked more funding options than she ever imagined, opening up new possibilities for her business. Cheryl believes every business owner can benefit from the Business Finance Suite, as it revolutionizes how they operate.
Louis, a Miami-based business owner found success using the Business Finance Suite, which helped establish a business credit profile. This enabled them to apply for funding without using their Social Security number, eliminating personal liability for credit applications. The speaker highly recommends this program to fellow business owners.
Edward from El Paso, Texas, struggled to secure funding for his small businesses until discovering the Business Finance Suite. Within a month, the suite helped set up his business correctly, establish trade lines and revolving credit, and now he’s on track to receive funding. Edward guarantees it’s worth the investment and only wishes he’d found it sooner.
