Frequently Asked Questions

Just like how consumer credit is linked to your SSN, your business credit is linked to your EIN. This means when applying for business credit, it's usually not required to include your SSN.

Once you properly establish your business entity and are Funding Ready™, you start off building your business credit profile with smaller vendor accounts.

As your business pays those retailers you will then qualify for revolving store credit cards, and then cash credit you can use anywhere, just like a normal personal credit card.

Keep in mind that because of federal regulation you will still need to supply a SSN for identity verification purposes. Also providing a personal guarantee can open up even more financing options. 

You can qualify for real usable vendor credit immediately. You’ll then start to qualify for store credit within 60-90 days that doesn’t require a personal credit check or personal guarantee. Within 6 months you should have access to $50,000 in real usable credit, including Visa and MasterCard accounts.

You can then continue to build $100,000-$250,000 or higher in business credit within a year to two. And with our Lendavo System you (and your clients*) can also gain access to other cash funding programs within a couple of months or less.

* Applies if you’re a partner with us to offer our services to others

Your All-In-One Funding Readiness & Capital Access Platform

Lendavo is a powerful software platform designed to help you become Funding Ready™, build business credit strategically, and access the best financing options for your business — all in one place.

Instead of guessing what lenders want, Lendavo analyzes over 125 lender data points and shows you exactly where you stand — and what to improve.

As you go through the program, you'll be able to know in real-time, which lending and credit sources you're pre-qualified or pre-approved for so you have the confidence that you'll be approved before you even apply!

In addition, you'll have concierge service from our business credit advisers and finance officers to assist you at any given stage. Between our revolutionary online platform and our LIVE expert team at your fingertips, you're guaranteed to get results - as long as you actually use the program.

What Does Lendavo Do?

Measures Your Funding Readiness
See how lenders evaluate your business and identify the exact factors affecting approvals.

Guides You Step-by-Step to Improve
Follow a customized roadmap tailored to your business to strengthen your credit profile and approval power.

Matches You With Capital You Qualify For
View lending and credit options you’re eligible for in real time — so you apply with confidence.

Gives You Expert Support When You Need It
Access business credit advisors and finance specialists to guide you through approvals and funding strategies.

With Lendavo, you’re not just applying for credit —
you’re strategically positioning your business to qualify for larger approvals, better terms, and long-term capital access.

It’s true — you can learn how to build business credit and apply for financing on your own.

We publish free guides, videos, and training because we believe every business owner deserves access to real information.

But knowledge alone doesn’t create approvals.

What most business owners can’t replicate on their own is:

Real Funding Readiness Intelligence
Lendavo analyzes 125+ lender criteria in real time to determine how lenders actually view your business.

You can’t manually reverse-engineer underwriting models.
You can’t easily see how one change impacts approval strength.
And you can’t instantly know which lenders you qualify for.

Lendavo does that for you.

A Step-By-Step System Built From Millions in Funded Deals
We’ve facilitated millions in approvals and built relationships with lenders across the country.

That data powers the roadmap inside Lendavo — so you’re not guessing which accounts to open, which steps to take, or when to apply.

You’re following a proven system designed to maximize approval strength.

Direct Access to Verified Lending & Credit Sources
On your own, you would need to:

Research lenders
Vet programs
Compare terms
Risk unnecessary inquiries
Pay for multiple outside services

Inside Lendavo, financing options are matched to your profile — so you apply strategically, not blindly.

Speed, Leverage & Better Positioning
Doing it alone often means:

Paying separately for monitoring, listings, and setup services
Applying too early and getting denied
Building credit in the wrong order
Wasting months (or years)

Lendavo compresses the timeline by guiding you in the right order, at the right time, based on real approval data.

Expert Support When You Need It
Technology is powerful — but complex financing situations still benefit from guidance.

With Lendavo, you get access to experienced advisors and finance specialists who can help you structure deals and navigate approvals.

The Bottom Line
Yes, you can try to build business credit and secure financing on your own.

No — it’s not complicated when you have the right system.

Lendavo was built to simplify what lenders make confusing.

Instead of trying to piece together information from different sources, Lendavo shows you:

• Where your business stands
• What needs improvement
• What to do next
• When you’re ready to apply

Everything is organized into a clear, step-by-step roadmap tailored to your business.

A business having its own credit is as real as an individual having their own credit. If you have any questions or concerns with the legitimacy of business credit, check out this link to see what SBA, Experian, Inc, NASDAQ, and other industry leaders have to say.

We have 0 lifetime complaints with the BBB and all other entities, and the few other companies that offer business credit have MANY complaints. Feel free to see our "A" BBB rating, 5-Star Trust Pilot reviews, actual results & approvals, testimonials, and more by clicking here

Getting started is simple.

Choose the Lendavo plan that fits your business and begin your journey to becoming Funding Ready™.

You can also watch the Lendavo walkthrough video below to see exactly how the platform works.

Have questions?
Schedule a call with a funding specialist or call us at (877) 600-2487.

For quick questions, message us on Facebook and our team will respond within one business day.

Absolutely!

Our VIP and Ultimate programs are for when you want to build business credit and get financing for your business AND offer those services to customers. We provide you with a turn-key system for you to get business credit and financing for your business, and also be able to sell it to your clients. This system, known as the Lendavo System, gets money both for you and your business owner clients.

Once you enroll, you become a licensed partner and can then offer your own white-labeled finance suite to clients for whatever price you choose. You receive all the marketing materials you will want to promote business credit and financing, and you'll also receive extensive training resources.

Once you go through a couple hours of video training you will be able to present the finance suite opportunity to clients, accept their payment, and they can then login to their finance suite to get financing and/or start building their business credit.

Once they login, our certified business advisors contact your clients and help them through the funding and business credit building process so you won’t need to.

In a nutshell, you simply make the sale, earn high profits, and the rest is handled for you so there is no back-end to manage. How does that sound?

To get the details, check out the pricing page here.

We offer 3 main packages. Our Core program is for you to get business credit and financing for your business.

Our VIP and Ultimate programs are for when you want to build business credit and get financing for your business AND offer those services to customers. We provide you with a turn-key system for you to get business credit and financing for your business, and also be able to sell to your clients. This system, known as the Lendavo System, gets money for you and your business owner clients, helping build business credit for your business.

Once you enroll, you become a licensed partner and can then offer your own white-labeled finance suite to clients for whatever price you choose. You receive all the marketing materials you will want to promote business credit and financing, and you'll also receive extensive training resources.

Once you go through a couple hours of video training you will be able to present the finance suite opportunity to clients, accept their payment, and then they can login to their finance suite to get money and start building their business credit.

Once they login our certified business advisors contact your clients and help them through the funding and business credit building process so you won’t need to.

So you simply make the sale and earn high profits, and the rest is handled for you so there is no back-end to manage.

Just as you have a credit file linked to your SSN, your business has a profile linked to its EIN. Experian, Equifax, and Dun & Bradstreet often start your profile when your business applies for a loan, credit card, or even when you setup basic utilities.

From that point most credit yo u apply for won’t report to the business reporting agencies unless you apply for different types of credit in a particular order, or leave your SSN off of the application.

Real business credit can be obtained with no SSN being supplied upon application. This credit doesn’t appear on your personal credit reports either. As you build your business credit your EIN profile and score then becomes essential to helping you qualify for bank loans and credit cards. And you can use EIN credit and EIN credit alone to get approved for many types of credit without a personal guarantee.

Every highly-successful privately and publicly owned company in the United States has business credit. But what many don’t know is that even startups can also obtain it… if you follow the right steps.

The first step is to ensure your business is setup credibly so you meet credit issuer and lender standards, before you apply. Next you get real useable credit through vendors. These vendors will give you credit when you have no other EIN credit established. And they report this credit to the business reporting agencies.

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

Using that report and score you can then continue to apply for more tiers of credit where you can start getting access to revolving credit at most stores, credit that’s linked to your EIN and not your SSN and credit that doesn’t require a personal guarantee or personal credit check for approval.

You can continue to grow your credit to obtain fleet cards, even Visa and MasterCard cash credit. And by having business credit established you’ll have a much better chance of getting loans, credit lines, and get these at better terms.

You do not need any licensing to sell the funding suite as you are truly selling software. There are no additional state, or Federal requirements or restrictions for selling business credit. This means you do not need any special licensing or bonding to sell business credit.

Your enrollment costs vary. If you enroll in our Core program you are getting access to your own Finance Suite where you can get business credit and financing for your business, along with our advisor and Finance Officer support.

Our VIP program gives you all of the benefits of our Core program, and the ability to offer business credit and financing as a service. You are also supplied with all of the marketing and training you’ll need to run your own business credit and financing business.

Our Ultimate program provides you all of the benefits of our Core and VIP combined. Plus, we setup your marketing for you, as well as supply you with a sales funnel that we also setup for you.

You can price The Lendavo System at anything above $2000. Many Credit Suite Partners are currently selling the system for $2,500-3,500 on average. You’ll invest $500-$700 per user seat you sell on the wholesale side. That pays for the Lendavo System, the advising team, and full access for your customers to our finance programs and team. This means you can typically earn $2,000- 3,000 per sale.

Please check out our Earnings Disclaimer for additional details.

The minute you enroll you receive access to all your training and marketing materials. You must complete your Lendavo Certification before you can enter your first clients. There is another 100+ hours of training available that you can review at your leisure.

Lendavo is one of the only platforms that combines Funding Readiness™, business credit building, and capital access into one intelligent system.

Instead of separating credit building from financing, Lendavo connects the entire journey — from strengthening your business profile to matching you with the funding you qualify for.

Inside the platform, you get:

• Access to major business credit reporting agencies, including guidance for Experian Business and Dun & Bradstreet
• Step-by-step business credit building with reporting vendors and revolving accounts
• A large network of lending sources and financing programs
• Built-in underwriting insights so you understand what lenders look for before you apply
• Direct access to credibility-building tools that strengthen approvals

Rather than juggling multiple services, subscriptions, and lenders on your own, Lendavo brings everything together into one structured system — designed to help you qualify faster, access more capital, and secure better terms.

Clients can be approved for millions-of-dollars in funding through the system if they have equivalent collateral or financials.

Even businesses new startup businesses with no collateral can obtain up to $150,000, not even including the vast amount of business credit that can be obtained. While businesses with collateral or cash flow can secure hundreds-of-thousands of dollars to millions-of-dollars depending on the value of the collateral.

Building business credit correctly means there is rarely a credit check for business owners to qualify. This means all business owners, even those with bad credit, can benefit with the finance suite by building their business credit.

If the business owner has credit challenges and also has some kind of collateral, they can also get funding along with business credit.

Funding can be secured in as little as 30-60 days and most forms of acceptable collateral will qualify including credit card sales, inventory, equipment, receivables, even consistent revenue.

And we have revenue-based funding programs where if a business owner can prove through bank statements that they have consistent revenue, they can be app roved with a credit score as low as 500.

Yes, the Lendavo System is a white label system. This means all marketing materials are designed to come from you, with no mention of us whatsoever. The finance suite itself has your logo, and the advisors and finance officers introduce themselves as Lendavo System team members.

So the whole system is white label where customers will see only your logo and name, no mention of us, you are a licensed partner of the Lendavo System.

There is no formal process of fixing business credit as there is no FCRA or FACTA laws that deal with business credit reporting. Still, our advisors will help business owners dispute any discrepancies on their business report as part of the program, and they'll have access to a section where they can go through the business credit dispute process. We even have a step dedicated to fixing errors on business credit reports as part of the finance suite.

But the main function of the finance suite is to help you and your customers build business credit, as well as get money.

There is no shortage of people who want money for their business. Because so many people want money you will find that business credit and funding is extremely easy to advertise and get massive response.

Many clients find they can easily advertise for business credit, then also sell their other services to the customers who call.

Due to how easy it is to advertise, business credit has proven to be successful in most media advertisings. Our clients have had success selling business credit through seminars, webinars, pay-per-click advertising, social media advertising, network marketing events, cold-calling leads, radio, and more.

Business credit and funding is very easy to advertise, even helping you promote your other services.

Currently there is no specific regulation related to the business credit industry specifically, and the industry has been around for quite a long time. The business credit reporting agencies including Dun & Street actually sell business credit themselves. With the bureaus are proponents for the industry and lack of regulation so far, we don’t foresee any near future industry specific additional regulation to come.

There is less than 2 hours of essential training materials you will want to review before you make your first sale. After that, you are ready to start making money. We even give you contacts to merchant account providers, and sample contracts so you have all you need to make money quickly.

After a couple of hours of training you can then make your first sale and collect your first payment. It only takes about 4 minutes to then activate the clients finance suite so they can login.

Many of our clients make their first sale and get paid within their first month of starting to offer business credit. The system is ready for you to sell. The actions you take and how fast you start offering it are the true determining factors in how quickly you make your first sale.

When you enroll you get a congratulations email with login instructions to yourself paced training in our state-of-the art online Business Credit Back Office, your official training center. Once you login you will find about 2 hours of essential training laid out in a step-by-step format that you will want to review before you start selling.

Every Tuesday at 3:00pm ET we host a webinar for business credit training that you will be invited to. Those webinars are also recorded and available for playback in customer hub. There is over 100 hours of additional training you can access.

You will also receive emails every 3 days, and can talk with your assigned coach for any other assistance or contact our support team.

Yes, with business credit and funding you can charge upfront. There is no regulation that prohibits this. It is actually very common in the funding space for companies to charge upfront.

This is one benefit our clients love about business credit, you they can make thousands of dollars right away, legally, while providing great value to your clients.

Our clients have found great success with many different forms of media. Some medias they have found successful including seminars, webinars, pay-per-click, radio, cold calling, network marketing, social media, TV, and more.

As part of your training we map out in details how to best advertise in each channel. We even have actual partners on our coaching calls mapping out how they are finding their success so you an duplicate their actions.