The Insider’s Guide to Business Credit Using an EIN Only: Get Tradelines, Credit Cards, and Loans for Your Business with No Personal Guarantee

by Alyssa Garner, Garrett Garner

Many businesses struggle because they can’t access the funding they need to grow. Don’t let this happen to you!

This complete insider’s guide will teach you the exact steps for easily obtaining business credit using an EIN instead of your SSN, while boosting your business credit score and profile in the process. This will ensure your business can grow quickly without putting your personal assets at risk.

With our simple system, you’ll learn how to obtain 5–10 or more business tradelines in just 30 days. In fact, you can receive your first approval in just 24–48 hours, even if your business is brand new!

This book is your key to accessing trade credit, business credit cards, and even business loans with just your EIN—no personal guarantee needed.

The strategies in this book fully apply even if your business is small, home-based, or completely online.

This concise guide has no filler and no fluff. Just actionable steps and fast results.

In under two hours, you will learn how to:

- Choose the right business structure to receive business credit and build your score with ease
- Obtain an EIN instantly (if you don’t already have one) through a simple online application form
- Set up your business for optimal fundability and creditworthiness in the eyes of potential creditors and lenders
- Access your business credit reports, set up your business credit profile, and achieve the ideal score with each of the three major credit bureaus
- Establish multiple net 30 tradelines with our recommended vendors that report to the major business credit bureaus and require no personal guarantee
- Obtain a business credit card with no impact on your personal score, alongside our list of top business credit cards for receiving valuable perks and rewards
- Receive a business loan with no personal guarantee or collateral required, including where to secure funding and tips for receiving fast approval
- Unlock powerful new methods for funding your business that you may not have considered before
- Avoid common mistakes that businesses make when applying for credit by unlocking all of our must-know insider tips
- Boost your business credit score in just 30 days, so you can receive higher approval odds, better terms, and higher credit limits

By gaining access to the insider strategies in this book, you’ll be several steps ahead of the competition and able to build your business with assurance.

So what are you waiting for? Let’s start funding your business today!

Genres: Business

61 pages, Paperback

Published December 10, 2023

About the author

Alyssa Garner is an author and entrepreneur with almost a decade of experience in the online business space. She writes business books with her husband and business partner, Garrett Garner.

Together, they’ve discovered a practical and reproducible framework for building highly profitable businesses in a short amount of time. Now, their passion lies in teaching budding entrepreneurs how to escape the grind and find financial freedom doing what they love.

Reviews

[Emirhan Korkmaz · Rating 5 out of 5]

This is a concise and easy resource for any business owner looking to secure funding without personal risk. Having personally gone through the process described in this book, I can confidently say that it checks out completely. The steps are straightforward, easy to follow, and genuinely simplify what could otherwise be a tedious and annoying task.

Garner provides a step-by-step guide to obtaining business credit using an EIN instead of a Social Security Number, which is perfect for those wanting to separate personal and business finances. The book explains how to structure your business correctly, obtain an EIN instantly, and establish a business credit profile with practical strategies that work even for brand-new businesses. Within 30 days, you can realistically have multiple tradelines established, with clear instructions on how to achieve this milestone.

While the book is excellent overall, I would suggest doing supplemental research on industry codes like NAICS and SIC, as they are crucial in determining business risk levels but were not covered in detail. Despite this minor gap, the book is a tremendous value for its price, especially considering how expensive professional credit-building services can be.

[Will · Rating 5 out of 5]

The Insider's Guide to Business Credit Using an EIN Only by Alyssa Garner walks the new business owner through how to set up a the business so they can access business credit. It begins with choosing the right business entity, setting up details with the state, and then developing a profile with various credit bureaus. Garner walks the reader through how to establish trade credit. (This won’t apply to all businesses, but the instructions are accurate, clear and easy to follow.) The business can build this credit history by buying office supplies, t-shirts and other items they probably will use anyway – but Garner explains how their purchases builds the credit for the business (not the business owner).
The book’s real strength are its brevity (you can read this in 30 minutes) and the detailed instructions. Garner providing the most common way take action on the recommendation, but she also provides several alternatives that may cost little or nothing.
The ability to borrow for a business may be essential for most businesses to survive, taking steps to keep personal and business debt separate is very wise. Garner provides an indispensable tool for an owner of a new business to establish this business credit.

[Melissa Cantrell · Rating 5 out of 5]

Insider Must Read for Starting Your Own Business

Garrett Garner and Alyssa Garner demonstrate the framework for starting your own business. From registering your new business as an LLC, to how to present your business to lenders and creditors, They go into detail on how to register for a DUNS which will help set up approval for 5-8 tier 1 vendor accounts. It's imperative knowledge when you are applying for business credit cards to fund your company. They show you how to keep credit spending low so that the end goal is that you gain higher credit limits which will broaden the business opportunities.

They encourage the proper healthy habits to build your credit such as paying bills for your business ahead of time and being consistent with utilizing the credit line and paying it off. The more credit you build, the easier it is for your company to grow. If you have a record of being consistent with your account vendors, it is easier to request a credit limit increase. This is a must read for anyone starting their own business.

[Aaron Goodall · Rating 5 out of 5]

I am a small business owner so this book really appealed to me. The Insider’s Guide to Business Credit Using an EIN Only by Alyssa and Garrett Garner is an accessible and well laid out guide for business finance, making the whole process less risky and placing the business plan and needs first.

The world of business and finance is jargon heavy and a little overwhelming at first, but this guide lays the terminology and processes involved out clearly and efficiently, meaning when the time to apply comes you can easily find that part within the book. The advice is clear, practical, and hands on, and the author’s experience in the process really shines - they come across as very knowledgeable. Each chapter is well laid out and flows through the processes at a comfortable speed.

I am not at this stage yet in my business ventures, but when the time comes this book will be my go to place for advice and strategies. I have taken on board the lessons and experiences it shares and am sure it will make the process easier in the future.

[HS Moon · Rating 5 out of 5]

This book is a goldmine for business owners trying to get business credit without a sweat. It is easy to follow, clear step-by-step for using EIN instead of an SSN, so your personal assets are safe while borrowing for your business. The guide is straightforward, skipping the fluff and helping you see the results fast. From getting EIN in no time to showing you how to make your business look super creditworthy, the tips are very useful for any business. What's cool about these tips is that they work for any business, big or small, home-based or online, offering strategies that are a boon, especially for the smaller setups. It's not just about getting credit; it's about funding your business's future the smart way. In just a few hours, you learn so much to bump up your business credit scores. This is a great guide for new business owners who are serious about kicking their business growth and financial freedom into high gear. I strongly recommend it.

[Jason · Rating 5 out of 5]

I read the title of this book and I expected just to read a number of things that were sketchy and would create more risk than I already have in my business. I was presently surprised with what I discovered. I found a book that was not only organized but actually were things that I had read back in business classes and forgot as well as even more things that I had no clue about. As I worked through the book last week, I was able to begin to set up a plan to accomplish the very thing that I thought was impossible which would be an injection of cash in my businesses to expand and help many more people starting with Q1, 2024. Thank you for a book that will help me expand and help many people who would not otherwise be helped!.

I received a free copy of this book and am voluntarily leaving a review.

[Anna Denert · Rating 5 out of 5]

This is a short but value-packed book that guides you through the process of getting and using an EIN (Employer Identification Number) when starting a business. At around 60 pages, I feel it's a must-read for anyone involved or considering starting a business. Honestly, do yourself a favor and don't regret it later like I'm doing now. I wish I'd read it before starting my own business, as not only did I use my SSN for tax purposes, which didn't protect me from liability, but I also missed out on the tax benefits. I'm not even going to mention getting funding or building business credit as I had no idea about those. I guess I should have researched it more, but live and learn. So, I suggest picking this up before starting, as it offers enough resources to deepen the research if needed. I'm just mad I didn't do it earlier.

[Ed Guadalupe · Rating 2 out of 5]

Misleading title, just to get you to buy the book

I had high hopes when I got this book. I thought it was gonna say some stuff that is not easily found on Instagram. Sad to say that they use the line like EIN only just to lure you in. Then in the first chapter, they say you’ll have to get an LLC first, then an EIM. So then why does the book say that you can only use an EIN??? Very misleading. I’m sure the tactics in here work, but it is not a quick way. It is a methodical way to build credit over six months to one year. This method should be obvious to the most financially illiterate person. I usually don’t post negative reviews but This really disappointed me..