Yes, yes, and YES! Lenders look at three key factors for approval: cash flow, credit, and collateral. Louis Baker's Account is the only company that works with all legitimate funding options. This means that if you excel in any one of these areas, you could qualify for immediate funding.

Even if you don’t yet have a strong lendable profile, our Business Credit Building Program will help you quickly establish a business credit profile and score. With this, you can qualify for unlimited business credit funding. This includes access to starter vendors, credit with major retailers, fuel cards, auto financing, universal credit like Visa and MasterCard, and more—all without a personal guarantee or credit check.

Our clients also gain access to exclusive courses on obtaining crowdfunding, grants, peer-to-peer lending, and even raising private equity funding.

Yes! Our clients come from hundreds of different industries, and to date, no one has been denied financing due to their industry. We work with over 1,000 lenders who provide funding across ALL industries—from trucking and financial services to high-risk sectors like cannabis, and everything in between.

We offer business credit, loans, and credit lines for EVERY industry!

Most business owners are denied funding because they don’t appear credible to lenders or they’re applying for the wrong type of funding through the wrong lender. To help get you approved, we’ll first identify what’s causing the denials and work on fixing those issues to enhance your Fundability.

Next, we’ll connect you with the best lenders and credit issuers specifically suited to you and your unique funding needs—lenders and credit issuers who value your business and are ready to approve you.

Most businesses fail—that’s a well-known fact. The main reason for these failures is that business owners often lack access to the funds they need to keep their business afloat. Some fail due to unexpected expenses they can’t cover, while others miss out on valuable opportunities because they lack access to capital. Businesses with access to capital have a significantly better chance of not just surviving but thriving.

Securing funds now means you’ll have the capital needed to handle unforeseen challenges and the resources to seize opportunities as they arise. This is the key not only to survival but also to accelerating growth and success.

You can access an unlimited amount of business credit right now. Whether you’ve been denied in the past, have less-than-perfect personal credit, or are a newer business, there’s no cap on the business credit you can obtain—if you know the success formula we teach.

You may also qualify for loans and credit lines, with funding amounts based on factors like credit score, business age, and revenue. We pioneered “funding stacking,” a strategy that maximizes your funding by getting you approved for multiple types of funding programs through multiple lenders. This is one of our trade secrets for helping clients secure maximum funding.

Some lenders can provide funding within 72 hours or less, while most other funding programs and lenders can deliver funds within three weeks. With us, you can start receiving business credit approvals right away and continue to qualify for more credit each month as your credit usage is reported on your business credit reports.

Just as consumer credit is linked to your Social Security Number, your business credit is tied to your EIN (Employer Identification Number). This means that when applying for business credit, you typically don’t need to include your SSN except for identity verification.

Once your business entity and Fundability Foundation™ are properly established, you’ll begin building your business credit profile with smaller vendor accounts.

As your business pays these vendors, you’ll qualify for revolving store credit cards and eventually for cash credit that can be used anywhere, similar to a personal credit card.

Remember that, due to federal regulations, an SSN is still required for identity verification purposes. Additionally, providing a personal guarantee can unlock even more financing options.

You can qualify for real, usable vendor credit right away. Within 60-90 days, you’ll begin to qualify for store credit that requires no personal credit check or personal guarantee. Within six months, you should have access to $50,000 in true usable credit, including Visa and MasterCard accounts.

From there, you can continue building $100,000 to $250,000 or more in business credit within one to two years. Through our Business Finance Suite, you (and your clients, if you’re a partner) can also access additional cash funding programs within just a few months or less.

The Fundability system includes the Business Credit Builder Program—an online platform specifically designed to guide you through a customized, step-by-step process for building your business credit from start to finish. This program is tailored to your unique situation, making the funding process straightforward and intuitive.

As you progress, you’ll know in real-time which lending and credit sources you’re pre-qualified or pre-approved for, giving you the confidence of approval before you even apply.

Additionally, you’ll have concierge support from our business credit advisors and finance officers, ready to assist you at any stage. With our revolutionary online platform and our live expert team at your fingertips, you’re guaranteed results—provided you actively engage with the program.

While our free guides, articles, videos, and seminars provide enough knowledge for you to pursue business credit independently, we don’t hold back in sharing information. At our core, we aim to help as many business owners (and aspiring entrepreneurs) as possible achieve equal opportunities for success and growth.

However, there are still services you’d need to pay for, like 411 listings, business credit monitoring, and credit builder programs to ensure accurate reporting to the right agencies—costs that can exceed $3,000. Plus, you’d need to find the right vendors and lenders on your own, with limitations to this approach.

With us, you get to leverage our extensive network of partnerships and affiliations for your benefit. Thanks to our multimillion-dollar deals, our sources offer us the highest limits, lowest rates, and longest terms—advantages that we pass directly to you. Our established credibility in the business credit and financing industry means we continually expand our funding sources and options, giving you access to the largest supply of vendors and credit issuers available.

In short, pursuing business credit and financing on your own or elsewhere would cost much more, take significantly longer, and lack the streamlined approach we’ve perfected. Our system is designed to get you the maximum funds, in the shortest time, and at the lowest rates possible.

When our company first started, information on obtaining Business Credit—especially without linking it to an SSN—was scarce. Over the years, we’ve refined and upgraded our instructions and the Finance Suite to make the process as straightforward as possible.

Each step in the Finance Suite includes easy-to-understand educational videos and direct resource links, making your business credit-building journey a ‘no-brainer.’ On the rare occasion that you need additional support, our business credit advisors and finance officers are here to assist!

As long as you’re committed to following our instructions and dedicated to the success of your business, you can absolutely do this—even if you’re not tech-savvy. That said, it’s essential to understand that we do NOT build your business credit for you. Instead, we provide simple, step-by-step guidance and education. Follow our instructions, and you’ll see results.

The first step is to ensure your business is set up credibly to meet credit issuer and lender standards before applying for credit. Next, you’ll start by obtaining real, usable credit through vendors. These vendors extend credit even when no other EIN credit is established, and they report this credit to business reporting agencies.

Within 60 days or less, this credit is reported to Experian, Equifax, or Dun & Bradstreet. Once it’s reported, your EIN will have an established credit report and score.

With this report and score, you can then apply for higher tiers of credit, gaining access to revolving credit at most stores, credit linked to your EIN instead of your SSN, and credit that doesn’t require a personal guarantee or personal credit check for approval.

As you continue to grow your credit, you can obtain fleet cards and even Visa and MasterCard cash credit. With established business credit, you’ll also have a much stronger chance of securing loans and credit lines with more favorable terms.

Building business credit correctly often eliminates the need for personal credit checks, allowing all business owners, even those with poor credit, to enhance their Fundability.

For business owners facing credit challenges but possessing collateral, collateral-based funding becomes an option alongside building business credit. Funding can be secured in as little as 30 to 60 days, with various forms of collateral qualifying, including credit card sales, inventory, equipment, receivables, and consistent revenue.

Additionally, revenue-based funding programs are available where, if a business owner can demonstrate consistent revenue through bank statements, approval is possible with a credit score as low as 500.