How to Build Business Credit in North Miami (Even With Bad Personal Credit)
Business credit is separate from your personal FICO — and it can unlock $50K+ in funding even if your personal score isn't perfect.
Foundation: your business must look real
Registered LLC/Corp, EIN, business bank account, business address (not a PO Box), business phone listed with 411, and a professional website.
Get your DUNS
Free from Dun & Bradstreet. Takes 30 days. This is the SSN of your business.
Tier 1: net-30 vendor accounts
Uline, Grainger, Quill, Summa Office Supplies. Order, pay in 30 days, they report to D&B and Experian Business.
Tier 2: store credit cards
After 3+ tier 1 accounts, apply for Amazon Business, Home Depot Commercial, Lowe's Business. These grow your Paydex score.
Tier 3: cash credit and lines
6–12 months in, apply for business credit cards and lines with no personal guarantee. $25K–$150K is realistic for a well-built file.
North Miami banking relationships
Local relationship banks like City National Bank of Florida and BankUnited approve based on relationship, not just algorithm. I introduce clients to bankers I know personally.