<p>Starting and growing a business is exciting—but unless your business has its own strong credit profile, you may find yourself relying on your personal credit and risking your own financial future. At Laced Up Financials, we believe in empowering entrepreneurs to build business credit <em>the right way</em>—so you can access funding, scale smartly, and keep your personal credit safe.</p><h3 id="2f6a0ad0-ad03-441b-b8dd-d5ead29dd58b" data-toc-id="2f6a0ad0-ad03-441b-b8dd-d5ead29dd58b" style="font-size: 20px; font-weight: 600; line-height: 1.2;">Why Business Credit Matters</h3><p>Your business credit score isn’t just a number—it’s your reputation with banks, vendors, and lenders. A strong business credit profile helps you qualify for better loan terms, higher limits, and more favorable conditions. Conversely, mixing your personal and business credit can limit your options and expose you to risk.</p><h3 id="56b5863d-81ee-4aba-8a44-68d46379ad97" data-toc-id="56b5863d-81ee-4aba-8a44-68d46379ad97" style="font-size: 20px; font-weight: 600; line-height: 1.2;">Step 1: Separate Personal &amp; Business Finances</h3><p>First things first: open a dedicated business checking account and apply for a business credit card. Use them <em>only</em> for business expenses. This separation makes your business look professional and helps maintain clarity in your financial records—a detail that lenders and underwriters will appreciate.</p><h3 id="29088b9b-2c9f-4505-9926-8b031b5339ed" data-toc-id="29088b9b-2c9f-4505-9926-8b031b5339ed" style="font-size: 20px; font-weight: 600; line-height: 1.2;">Step 2: Form Your Business Properly</h3><p>Ensure your business is legally registered (LLC, corporation, etc.), has an EIN (Employer Identification Number) and the proper state filings. Laced Up Financials assists you with registration, structure, and compliance to set a firm foundation. A properly formed business is more likely to be treated as a separate credit-entity, which is essential for business credit.</p><h3 id="1b138349-64ab-468a-82a5-c920edd4049f" data-toc-id="1b138349-64ab-468a-82a5-c920edd4049f" style="font-size: 20px; font-weight: 600; line-height: 1.2;">Step 3: Build Vendor Credit That Reports</h3><p>Some vendors offer net terms (e.g., “Net 30”) and report payment history to business credit bureaus. Paying on time builds your business credit profile. We help you identify vendors, set up vendor accounts, and track payments so your on-time habits translate into a stronger business credit score.</p><h3 id="dac4e742-97ff-4293-b5b7-eea3fc28bbd3" data-toc-id="dac4e742-97ff-4293-b5b7-eea3fc28bbd3" style="font-size: 20px; font-weight: 600; line-height: 1.2;">Step 4: Monitor &amp; Improve</h3><p>Just like personal credit, business credit needs regular monitoring. Review your business credit reports, ensure accuracy, and dispute errors. At Laced Up Financials, we provide ongoing credit‐education and monitoring support so you stay on track.</p><h3 id="c5ad1864-cb5f-4e44-83b4-60512d0888b2" data-toc-id="c5ad1864-cb5f-4e44-83b4-60512d0888b2" style="font-size: 20px; font-weight: 600; line-height: 1.2;">Step 5: Use Credit Strategically</h3><p>Once your business credit is in good shape, you’ll have access to real financing options—business credit cards, lines of credit, equipment loans, and more. Importantly, using credit strategically and paying promptly helps you build a positive cycle of credit growth with minimal risk to your personal credit.</p><p><strong>Bottom line:</strong> When you build business credit the right way, you’re not just borrowing—you’re unlocking growth. At Laced Up Financials, we’re here to guide you every step of the way. Call 504-383-4796 or schedule a consultation today and let’s build your business credit confidently.</p>

Build strong business credit while protecting your personal credit. Learn how Laced Up Financials helps you establish business credit, separate finances, and access funding on your terms.

Smart Ways to Build Business Credit the Right Way — Without Using Your SSN

Step 1: Separate Personal & Business Finances

Tax Preparation , Credit Repair , Business Formation , Business Funding 

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Smart Ways to Build Business Credit the Right Way — Without Using Your SSN

Smart Ways to Build Business Credit the Right Way — Without Using Your SSN

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